# Joyce Josue Joyce Josue is a remote worker on Himalayas, Founder & Publisher at Study Abroad from PH, based in Estonia. Source: https://himalayas.app/@joycejosue ```text I investigate financial crime and payments risk across crypto, fintech, KYC, AML, disputes, and compliance operations. ``` | Detail | Value | | --- | --- | | Availability | Looking for a job | | Location | Estonia | | Authorized to work in | Estonia | | Salary expectations | 45k+ EUR | | Job categories | Compliance Specialist, Financial Crime Specialist, AML Specialist, Due Diligence Specialist, Compliance Operations, Payments Risk Analyst | | Skills | Anti Money Laundering, Enhanced Due Diligence, KYC Verification, KYB, Customer Due Diligence, Countering Terrorism Financing, Transaction Monitoring, KYT, Financial Crimes Investigation, Regulatory Compliance, Risk Assessment, Risk Management, Quality Assurance, Suspicious Activity Reports, Cryptocurrency Regulations, Blockchain Intelligence, Chainalysis, Etherscan, Tronscan, Blockchain.Com, Dow Jones AML Screening, Fraud Prevention, Fraud Investigation, Chargeback Management, Dispute Resolution, Fund Recovery, Card Processing, SWIFT Payments, Cross Border Transactions, Standard Operating Procedures, Client Onboarding, Client Relations, Customer Relationship Management, Customer Service, Collections Management, Content Strategy, Web Content Writing, Digital Publishing, Educational Content, Market Research, Audience Development, Social Media Marketing | | LinkedIn | https://linkedin.com/in/joyce-josue-34b750159 | ## What I'm looking for ```text I’m looking for senior opportunities in AML, EDD, financial crime, compliance operations, or related risk functions within fintech, payments, banking, or digital assets, including Europe-based or remote international teams. ``` ## About ```text 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 ### Founder & Publisher (current) Study Abroad from PH. Aug 2026 - Present ```text 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 ``` Skills: Content-Strategy, Web-Content-Writing, Market-Research, Digital-Publishing, Educational-Content, Audience-Development, Social-Media-Marketing ### Payments Risk & Recovery Consultant (current) Freelance. Apr 2026 - Present ```text 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. ``` ### Senior Compliance Specialist (current) Coinmetro. Jun 2021 - Present ```text • 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 ``` Skills: KYC-Verification, KYB, Anti-Money-Laundering, Countering-Terrorism-Financing, Client-Onboarding, Due-Diligence, Transaction-Monitoring, Dow-Jones-AML-Screening, Customer-Due-Diligence-(CDD), Risk-Assessment, Suspicious-Activity-Reports, KYT, Cryptocurrency-Regulations, Financial-Crimes-Investigation, Regulatory-Compliance, Fraud-Prevention, Quality-Assurance ### Chargebacks and Fraud Associate Fluz. Oct 2020 - Mar 2026 ```text • 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. ``` Skills: KYC-Verification, Fraud-Prevention, Chargeback-Management, Fund-Recovery, Dispute-Resolution, Card-Processing, Risk-Management, Customer-Service, Standard-Operating-Procedures, Financial-Services ### Business Customer Support Associate TransferWise. Jan 2020 - Nov 2020 ```text • 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 ``` Skills: KYC-Verification, Client-Relations, CRM, KYB, Fraud-Prevention, Customer-Due-Diligence-(CDD), Customer-Support, Cross-Border-Transactions, SWIFT-Payments ### Digital Marketing Apprentice The Melanin Village Home school. Jun 2020 - Aug 2020 ```text 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. ``` ### Commercial and Logistics Intern Agroherni, S.C.L.. Jun 2019 - Jul 2019 ```text 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 UCAM Universidad Católica San Antonio de Murcia. Jan 2019 - Jun 2019 ```text -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 Immigration, Refugees and Citizenship Canada / Immigration, Réfugiés e. May 2010 - Oct 2018 ```text -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 ``` ### Projects Officer MAI Management Philippines. Oct 2008 - Jun 2009 ```text -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 ``` ### Account Manager Strategic Works Inc.. Jun 2008 - Sep 2008 ```text -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 ### Chainalysis Chainalysis Certified Compliance Analyst ```text Issued Sep 2026 · Expires Mar 2028 ``` ### Udemy Introduction to Agile: Scrum and Kanban ```text Issued Feb 2023 ``` ### LinkedIn Getting into the Mind of the Hiring Manager ```text Issued Jan 2021 ``` ### LinkedIn Python Essential Training ```text Issued Jan 2021 ``` ### LinkedIn Using Python with Excel ```text Issued Jan 2021 ``` ### LinkedIn Project Management Simplified ```text Issued Jan 2021 ``` ### LinkedIn Scrum: The Basics ```text Issued Jan 2021 ``` ### LinkedIn Excel: Lookup Functions in Depth ```text Issued Jan 2021 ``` ### LinkedIn MySQL Essential Training ```text Issued Jan 2021 ``` ### LinkedIn Product Management First Steps ```text Issued Jan 2021 ``` ### LinkedIn Entrepreneurship Foundations ```text Issued Jan 2021 ``` ### LinkedIn Excel: Power Query (Get & Transform) ```text Issued Jan 2021 ``` ### Acadium Acadium Apprenticeship Completion Certificate ```text Issued Oct 2020 ``` ### Coursera Introduction to Project Management with ClickUp ```text Issued Sep 2020 ``` ### Coursera Develop a Company Website with Wix ### LinkedIn Jodi Glickman on Pitching Yourself ```text Issued Jan 2021 ``` ### LinkedIn The Step-by-Step Guide to Building your Thought Leadership on LinkedIn ```text Issued Jan 2021 ``` ### LinkedIn Excel: You Can Do This ```text Issued Jan 2021 ``` ### LinkedIn How to Make Strategic Thinking a Habit ```text 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 - Etherscan To contact Joyce, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire). ## People also viewed - [Ekundayo Bello](https://himalayas.app/@ekundayobello): Anti Financial Crime Monitoring Specialist, SwissBorg - [Victor Daniel](https://himalayas.app/@victordaniel): Enhanced Due Diligence Quality Specialist, Wise (Ex Transferwise) - [Stas Gerassimov](https://himalayas.app/@stasgerassimov): Compliance & Customer Support, Freelance - [Milena Sevtsova](https://himalayas.app/@milenasevtsova): AML Compliance Officer, Swaper Platform OÜ - [Tatjana Titimova](https://himalayas.app/@tatjanatitimova): AML Senior Investigator, Wise Payments Limited - [Dayo Oyewole](https://himalayas.app/@dayooyewole): AML Investigator, Wise - [Oladimeji Aina](https://himalayas.app/@oladimejiaina): FinCrime / Sanctions Analyst, Wise - [Oladimeji Aina](https://himalayas.app/@oladimejiaina1): FinCrime & Sanctions Analyst, Wise - [Anton Pulkin](https://himalayas.app/@antonpulkin): AML & Quality Specialist, Nordea Bank AB Eesti Filiaal - [Ammar Al Subahi](https://himalayas.app/@ammaralsubahi): KYC Specialist, Vialet