Joyce Josue
@joycejosue
I investigate financial crime and payments risk across crypto, fintech, KYC, AML, disputes, and compliance operations.
EstoniaWhat I'm looking for
At CoinMetro, I conduct complex AML, KYC, and EDD reviews across fiat and crypto activity, including PEP and adverse-media investigations, risk reassessments, and suspicious-activity escalations. I also built and own the KYC quality-assurance framework, setting review standards, metrics, error tolerances, feedback, and corrective actions.
My payments work at Fluz covered full-cycle chargebacks, disputes, fraud reviews, representments, ACH cases, and funds recovery. I build evidence packages, draft rebuttal narratives, improve SOPs, and support high-value customers through urgent payment issues.
I’m based in Tallinn and exploring senior AML, EDD, financial crime, compliance operations, and risk opportunities across fintech, payments, banking, and digital assets. Alongside compliance work, I support SMEs with payment-risk operations, research, outreach, and practical growth support.
Experience
Work history, roles, and key accomplishments
Building an independent education platform designed to make international study planning clearer and more accessible for Filipino students and families.
• Research and publish practical content covering study-abroad planning, applications, funding and decision-making
• Develop educational resources and structured learning content for a Philippine audience
• Manage editorial strategy, content d
Payments Risk & Recovery Consultant
Freelance
Apr 2026 - Present (5 months)
I'm a Payments Risk & Recovery Virtual Assistant with hands-on experience in chargeback disputes, fraud investigation, and funds recovery. My background is in financial operations — specifically the messy, high-stakes work of figuring out why money disappears and building a case to get it back.
• Conduct complex AML/KYC/EDD reviews across fiat and crypto activity, including PEP, adverse-media and higher-risk customer investigations, risk reassessment and escalation of suspicious activity.
• Review contested and higher-risk cases by assessing customer activity, KYC history, transaction behaviour and available blockchain/payment information; document findings and recommend appropriate co
• Managed full-cycle chargeback and dispute cases, from intake and reason-code analysis through evidence gathering, representment preparation, issuer submission and outcome tracking.
• Built reason-code-specific evidence packages using transaction records, AVS/CVV/3DS data, digital-delivery evidence, repeat-purchase and address matches, customer-support history and accepted terms and conditions.
• Supported business customers across the full account lifecycle, including onboarding, verification, payment issues and account-related escalations in a high-volume cross-border payments environment.
• Worked closely with Business Verification by collecting, pre-screening and reviewing customer information and documentation, and escalating higher-risk cases to Enhanced Due Diligence and AML tea
Supported the home school’s targeted social media promotions by conceptualizing brand design, copywriting, editing newsletters and online apps as well as other preparations for its upcoming online conference called The Home School Together Conference.
Supported French accounts of the Commercial Section with B2B sales, order management, contact with clients, incidents resolution as well as coordination with internal departments. Supported the Logistics Section with daily delivery and order fulfillment, documentation of inventory and transport cycle to meet established deadlines.
International Projects Assistant
Jan 2019 - Jun 2019 (5 months)
-Developed communication materials & coordinated international initiatives, partnerships, and high-level delegations to support the Director of International Educational Projects.
-Produced content for study portals to promote university programs to international students.
-Identified potential partnership opportunities with home university and overseas institutions and assisted in the developme
Migration Program Administrator
May 2010 - Oct 2018 (8 years 5 months)
-Successfully spearheaded transition of operations of Asia Pacific offices due to federal government’s requirements
-Acted as liaison with missions abroad for system issues, client requests and software processing updates to maintain program integrity as guided by the Immigration and Refugee Act of Canada
-Updated operation manuals to reflect procedural and policy changes as well as current best p
-Front line of sales and marketing initiatives, program implementation, evaluation and logistical arrangements of assigned trade exhibit
- Produced content for media channels, performed account management, research and documentation
- Increased market reach by partnering with various agencies across the target region
-Launched brand marketing campaigns for seven corporate accounts simultaneously handled (brands under Unilever, Unilab, etc.)
-Implemented PR strategies via brand activation initiatives and related awareness campaigns
-Actively increased accounts both by acquiring new ones as well as deepening collaborations with existing clients
Education
Degrees, certifications, and relevant coursework
Chainalysis
Chainalysis Certified Compliance Analyst
Issued Sep 2026 · Expires Mar 2028
Udemy
Introduction to Agile: Scrum and Kanban
Issued Feb 2023
Getting into the Mind of the Hiring Manager
Issued Jan 2021
Python Essential Training
Issued Jan 2021
Using Python with Excel
Issued Jan 2021
Project Management Simplified
Issued Jan 2021
Scrum: The Basics
Issued Jan 2021
Excel: Lookup Functions in Depth
Issued Jan 2021
MySQL Essential Training
Issued Jan 2021
Product Management First Steps
Issued Jan 2021
Entrepreneurship Foundations
Issued Jan 2021
Excel: Power Query (Get & Transform)
Issued Jan 2021
Acadium
Acadium Apprenticeship Completion Certificate
Issued Oct 2020
Coursera
Introduction to Project Management with ClickUp
Issued Sep 2020
Coursera
Develop a Company Website with Wix
Jodi Glickman on Pitching Yourself
Issued Jan 2021
The Step-by-Step Guide to Building your Thought Leadership on LinkedIn
Issued Jan 2021
Excel: You Can Do This
Issued Jan 2021
How to Make Strategic Thinking a Habit
Issued Jan 2021
UCAM Universidad Católica San Antonio de Murcia
Master of Business Administration - MBA, Business Administration, Management and Operations
2018 - 2019
Ateneo de Manila University
Bachelor's degree, International Relations
2004 - 2008
Tech stack
Software and tools used professionally
Availability
Location
EstoniaAuthorized to work in
Salary expectations
Social media
Job categories
Skills
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