Senior Risk Management

freeC's Client

• Develop, implement, and improve operational risk management tools (Loss Data Collection, RCSA, and KRIs).
• Develop and update risk management policies and procedures for payment products and services (e-wallets, payment gateways, collection and disbursement services, remittance, and cross-border payments, in coordination with relevant teams).
• Review new products, services, and material changes before implementation; provide independent risk opinions and follow up on required controls.
• Monitor the effectiveness of risk controls and implementation of mitigation plans; escalate significant risks, incidents, and overdue actions.
• Analyze transaction data and monitoring reports to identify unusual patterns and potential fraud; recommend improvements to monitoring rules, alert thresholds, and preventive controls; and provide practical guidance to internal teams and customers on emerging fraud patterns and preventive measures.
• 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.
• Prepare periodic and ad-hoc risk reports highlighting key exposures, incident trends, control weaknesses, and recommended actions.
• Coordinate assigned risk initiatives and provide technical guidance to junior team members when required.

Job Requirements

• 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.
• 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 communication and report-writing skills, with the ability to explain risks clearly and work effectively across teams.
• Professional proficiency in English.

• Regular bonus schemes tied to business outcomes and actual contributions, with a transparent and fair structure that recognizes year-round efforts and achievements.
• A young, open, and dynamic work culture that emphasizes innovation and practical efficiency.
• Free, high-quality lunch served daily at the office.
• Health and well-being support: annual health check-ups at reputable medical facilities, plus a premium health insurance package tailored for management-level staff.
• Full support with modern equipment and a professional, flexible working space.
• Continuous professional growth through internal training, leadership mentoring, and learning support.
• Transparent performance reviews and feedback to help employees stay aligned and grow purposefully.
• Frequent engagement activities such as company trips, team-building, learning workshops, and festive celebrations.