Build and refine the overseas payment risk control framework, covering core modules such as merchant onboarding (KYB/KYC), transaction monitoring, fraud detection, chargeback management, and anti-money laundering (AML).
Design differentiated risk control strategies and tiered handling solutions based on country, industry, and transaction characteristics; manage and optimize rule engines, risk scoring, and black/white lists.
Monitor key metrics such as chargeback rates and fraud rates, lead investigations into high-risk merchants and abnormal transactions, and provide disposition recommendations (e.g., transaction limits, delayed settlement, account suspension, etc.).
Collaborate with product and technical teams to drive the functional planning and implementation of risk control systems (rule engines, monitoring alerts, case management).
Stay abreast of the latest anti-fraud and sanctions compliance requirements from international card schemes (Visa/Mastercard) and regulatory bodies to ensure ongoing business compliance.
Periodically produce risk analysis reports, and document typical cases and standardized handling procedures.

Bachelor's degree or above; majors in Finance, Risk Management, Statistics, Law, Computer Science, or related fields preferred.
3+ years of experience in payment risk control, anti-fraud, or compliance; experience in cross-border payments or overseas acquiring institutions preferred; experience in risk control system development preferred.
Familiar with the end-to-end processes of acquiring, payout, clearing and settlement, and dispute resolution; proficient in identifying risk scenarios such as card theft, cash-out, and fraudulent transactions.
Possess strong data analysis capabilities (proficient in Excel; proficiency in SQL/BI tools preferred), with the ability to drive rule optimization through data.
Familiar with KYB/KYC, AML, sanctions list screening, and other compliance requirements.
Capable of independent risk judgment, investigative analysis, and rule design.
Excellent cross-departmental communication skills, with the ability to collaborate efficiently with product, technical, operations, and other teams.
Advanced English and Chinese.

Overseas Payment Risk Control Manager, Chinese Speaker

Key skills