Ricardo Allen

Ricardo Allen serves as the Global Director of Fraud Strategy at PayJoy, focusing on anti-fraud strategies for financial products across eight countries while balancing customer conversion and fraud prevention. As an Independent Consultant, Ricardo provides expertise in establishing fraud prevention frameworks and optimizing processes for various companies. Previously, as the Director of Financial Operations at YoCripto, Ricardo launched the first Bitcoin cashback credit card in Latin America and built operational departments. Ricardo has held key positions, including Head of Fraud Prevention at Shopee, and various roles at Konfío, where significant fraud management processes were developed. Other notable experiences include Corporate Risk Senior Manager at PayClip Inc., Associate Vice President at Citibanamex, and positions at Walmart, Nestlé, and Nissan Motor Corporation, contributing to robust fraud risk management strategies throughout their career.