Senior Risk Management Specialist
Operations
年収
Location
Job Overview And Responsibility
- Develop, implement and improve operational risk management tools, including Loss Data Collection (LDC), Risk and Control Self-Assessment (RCSA) and Key Risk Indicators (KRIs). - Conduct risk assessments of payment processes, merchant/partner activities and operational changes; identify control gaps and recommend mitigation measures. - Analyze transaction data and monitoring reports to identify unusual patterns and potential fraud; recommend improvements to monitoring rules, alert thresholds and preventive controls. - Investigate fraud cases and operational risk incidents in coordination with relevant teams; assess potential losses, identify root causes and track corrective actions. - Conduct risk-based KYC/KYB reviews and merchant/partner due diligence; recommend risk classifications, onboarding conditions and ongoing monitoring measures. - Provide risk assessments and recommendations for merchant/partner disputes, working with Operations, Business and Legal/Compliance teams on resolution. - Review new products, services and material changes before implementation; provide independent risk opinions and follow up on required controls. - Develop and update risk management policies and procedures for e-wallets, payment gateways, collection and disbursement services, remittance and cross-border payments, in coordination with relevant teams. - Monitor the effectiveness of risk controls and the implementation of mitigation plans; escalate significant risks, incidents and overdue actions. - Prepare periodic and ad-hoc risk reports, highlighting key exposures, incident trends, control weaknesses and recommended actions. - Issue fraud risk alerts and provide practical guidance to internal teams and customers on emerging fraud patterns and preventive measures. - Coordinate assigned risk initiatives and provide technical guidance to junior team members when required.
Required Skills and Experience
- Bachelor’s degree in Banking & Finance, Business Administration, Information Systems or a related field. - At least 3 years of experience in a similar role at a fintech company, payment service provider, bank, or financial institution. - Practical experience with digital payment products or services, such as e-wallets, payment gateways, collection and disbursement services, card payments, remittance or cross-border payments. - Hands-on experience in developing or implementing risk management tools such as RCSA, KRIs and loss/incident reporting. - Ability to independently conduct risk assessments, investigate incidents, analyze root causes and recommend practical controls. - Understanding of payment transaction flows, merchant/partner risks, KYC/KYB processes and common fraud patterns. - Strong analytical skills and proficiency in Excel. - Strong communication and report-writing skills, with the ability to explain risks clearly and work effectively across teams. - Ability to read professional documents, prepare reports and communicate in English.
Why Candidate should apply this position
- Attractive salary and performance-based bonuses - Comprehensive annual bonuses to reward your contributions - A vibrant, young, and dynamic work environment - Enjoy a free, delicious lunch every day - Exciting events & activities: company trips, team-building, and parties - Opportunities for continuous professional development through regular training - Annual performance evaluations to recognize your achievements and growth - Full participation in social insurance, health insurance, unemployment insurance, and regular health check-ups organized by the company - Exclusive health insurance coverage for management-level employees
Preferred skills and experiences
- Experience with SQL, BI tools or transaction monitoring systems. - Experience in remittance or cross-border payments.
Report to
Head of Risk
Interview process
2 rounds at offices
468
96
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