Antifraud Investigator

• According to the anti-fraud rules, conduct anti-fraud processing beforehand and during the event, identify anti-fraud afterwards, and investigate anti-fraud cases;
• Carry out anti-fraud investigations through WhatsApp, network query, electronic verification, etc., combined with associated data and behavior trajectory analysis, accurately locate fraudulent customers, and accumulate fraud labels;
• Dig deep into fraud cases, find out the source of the case, and complete the investigation report;
• Restore fraud methods, summarize and extract practical strategies/policy suggestions, and constantly summarize and optimize investigation methods;
• Irregularly produce analysis reports based on case types, regions and other characteristics, and timely warn related risks;
• Monitor transactional data and account activities for signs of fraudulent behaviour;
• Conduct in-depth analysis of suspicious transactions, patterns, and trends;
• Investigate alerts and anomalies to determine the root cause of potential fraud;
• Utilize fraud detection tools, systems, and software to identify fraudulent activities;
• Collaborate with cross-functional teams, including risk management, compliance, and operations, to mitigate fraud risks;
• Understood deeply about OJK’s Regulation Number 12 Year of 2024 regarding “The Strategic Implementation of Anti-Fraud for Financial Institutions”;
• Communicate findings and recommendations to management and stakeholders;
• Develop and implement strategies to prevent and minimize fraud losses;
• Stay informed about emerging fraud trends, techniques, and technologies;
• Assist in the development and enhancement of fraud detection algorithms and models;
• Document investigation findings, case details, and outcomes in accordance with established procedures;
• Monitoring incoming high priority case that received from all fraud channels to ensure they are investigated by Anti Fraud Investigators and done within SLA;
• Tracking the investigation process, analyze and interact with investigator to ensure the investigators are understand the purpose of investigation;
• Monitoring, reviewing and updating Matrix or script of Fingerprint, Welcome Call, Suspicious Document, Hotline Fraud, Complaint, GSPN – Anti Fraud Tools, to ensure all process related is running effectively and report to OJK;
• Liaise with Quality Assurance from other related department to order to improve anti-fraud strategy.

Job Requirements:

• Minimum education from Bachelor Degree (Legal or Economic. Accounting, finance, criminal justice background, or a related field is typically required);
• Has minimum experience 3 years in the same position in Risk Management, especially in Anti Fraud;
• Have Integrity, Courage and an Objective Perspective or Helicopter/eagle view;
• Prefer has experience in banking/financial Industry;
• Has experience in Fin-tech industry will be an advantage;
• Familiar with office software;
• Possess a certain ability to search, collect and judge information, be good at interpersonal communication, and be willing to work in a team;
• Master the basic credit business knowledge, and have strong learning ability;
• Logical thinking, adaptability, self-discipline ability, strong sense of responsibility, innovative spirit, able to actively study control measures and investigation methods;
• Strong analytical abilities to review financial statements, transactional data, and patterns for anomalies indicative of fraudulent activities;
• Able to speak English and Bahasa;
• Certification such as Certified Fraud Examiner (CFE) is highly beneficial and demonstrates specialized knowledge in fraud detection and prevention;
• Proven experience in fraud detection, investigation, and analysis is essential;
• Excellent communication skills to effectively communicate findings, recommendations, and fraud-related issues to stakeholders at all levels of the organization;
• Ability to collaborate with internal teams, law enforcement agencies, regulatory bodies, and external partners during fraud investigation.