Regulatory Oversight: Ensure all risk operations are fully compliant with local regulations, specifically:
Singapore: Adhere to all MAS requirements under the Major Payment Institution (MPI) license, including robust AML/CFT (Anti-Money Laundering/Countering the Financing of Terrorism) measures, Payment specific Enterprise Wide Risk Assessment (EWRA) frameworks and customer fund protection.
Malaysia & Indonesia: Monitor and ensure best practices are aligned to risk guidelines set by Bank Negara Malaysia and Bank Indonesia for payment processing.
Risk Framework & Strategy: Continue to develop, implement, and localize comprehensive risk management frameworks, policies, and procedures across all three markets, addressing fraud, credit, liquidity, and operational risks.
Fraud & Chargeback Management: Drive regional strategies for transaction monitoring, utilizing data analysis to detect emerging fraud trends and optimize chargeback representation processes to minimize financial losses.
Product Risk Assessment: Collaborate closely with regional product and engineering teams to conduct thorough risk assessments for new payment features, products, and market expansions, ensuring compliance pre-launch.
Stakeholder Reporting: Prepare detailed risk reports and dashboards for General Manager, regional leadership, and regulatory bodies, articulating key risk exposures and control effectiveness.

Education: Bachelor’s degree in Finance, Business, Risk Management, or a related field; a Master's degree is a plus.
Experience: Minimum of 5 years in a payments risk management role within the Fintech or banking industry, with demonstrable regional experience across Southeast Asia.
Regulatory Expertise: In-depth knowledge of payment schemes (Visa/Mastercard) and specific regulatory environments in Singapore (PS Act, MAS guidelines), Malaysia (BNM Money Service Business), and Indonesia (BI PJP regulations).
Analytical Skills: High proficiency in data analysis, risk modeling, and experience with relevant fraud detection tools.
Language: Excellent written and verbal communication skills in English; proficiency in Bahasa Malaysia or Bahasa Indonesia is highly advantageous.
Certifications: Professional certifications such as Certified Payments Risk Manager (CPRM) or the Certified Payments and Fraud Prevention Professional (CPFPP) are not mandatory but strongly preferred.

Time off
We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries.
Flexible working
We believe in giving back the control of work & life to our people. We trust our people and love to provide the space to accommodate each and everyone's working style and personal life.
Medical benefits
We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their backs for their loved ones too.
Mental health and wellness
We understand that our team productivity is directly linked to our mental and physical health. Hence we organize org-wide fitness initiatives and engage partners to provide well-being coaching.
Tech support
We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity.

Payments Risk Manager

Key skills