Branch Audit Associate

PT Dwi Cermat Indonesia; Jakarta Pusat; On-site; IDR 167,400,000 - 279,000,000; Full time

Job summary

Cermati is seeking a Regional Auditor to join our fintech compliance team in Indonesia. You will execute regional audit cycles, assess consumer data in customer acquisition, and verify field processes at branches to ensure adherence to internal procedures.

The role requires 3-5 years in internal or field audit, knowledge of KYC and onboarding, ability to travel to remote branches, and strong reporting skills. Fluency in Indonesian; English a plus.

Qualifications

• Bachelor’s degree in Accounting, Finance, Audit, Law, or related field.
• 3-5 years of experience in internal audit, field audit, operational risk, or fraud investigation.
• Professional background in fintech, banking, or consumer finance preferred.
• Strong knowledge of branch operations: KYC, onboarding, credit, collections.
• Fluency in Indonesian; English proficiency a plus.

Responsibilities

• Execute regional audit cycles effectively, efficiently, and within the designated timeframes.
• Identify consumer data related to the customer acquisition process to find indications of irregularities, anomalies, or potential fraud.
• Conduct direct field inspections of acquisition processes, applications, sales transactions, and collections performed by branch staff to ensure compliance with internal procedures and minimize business deviations.
• Gather information and supporting evidence to strengthen field findings and ensure complete chronologies are documented so all parties understand the violations and appropriate sanctions.
• Follow up on information received from both internal and external parties regarding work processes that do not comply with procedures.
• Communicate audit findings effectively to relevant parties, including branch managers, compliance teams, and senior audit management.
• Monitor the implementation of corrective actions and improvements based on audit findings.

Skills

Internal audit

Data analysis

Investigation techniques

Report writing

Independent field work

Education

Bachelor’s degree in Accounting/Finance/Audit/Law

Tools

Data validation tools

Mobile audit platforms

Job description

Cermati is a financial technology (fintech) startup based in Indonesia. Cermati simplifies the process of finding and applying for financial product by bringing everything online so people can shop around for financial products online and can apply online without having to physically visit a bank.

Our team hailed from Silicon Valley Tech companies such as Google, Microsoft, LinkedIn and Sofi as well as Indonesian startups such as Doku, Touchten. We have graduates from well known universities such as Universitas Indonesia, ITB, Stanford, University of Washington, Cornell and many others. We are building a company with the same culture of openness, transparency, drive and meritocracy as Silicon Valley companies. Join us in our cause to build a world class fintech company in Indonesia.

Job Description

• Execute regional audit cycles effectively, efficiently, and within the designated timeframes.
• Identify consumer data related to the customer acquisition process to find indications of irregularities, anomalies, or potential fraud.
• Conduct direct field inspections of acquisition processes, applications, sales transactions, and collections performed by branch staff to ensure compliance with internal procedures and minimize business deviations.
• Gather information and supporting evidence to strengthen field findings and ensure complete chronologies are documented so all parties understand the violations and appropriate sanctions.
• Follow up on information received from both internal and external parties regarding work processes that do not comply with procedures.
• Communicate audit findings effectively to relevant parties, including branch managers, compliance teams, and senior audit management.
• Monitor the implementation of corrective actions and improvements based on audit findings.

Qualifications

• Bachelor’s degree in Accounting, Finance, Audit, Law, or a related field.
• 3-5 years of experience in internal audit, field audit, operational risk, or fraud investigation.
• Professional background in fintech, banking, or consumer finance sectors (preferred).
• Strong knowledge of branch operations, specifically KYC, onboarding, credit applications, and collections.
• High attention to detail and investigative skills to analyze data for anomalies.
• Ability to work independently in the field and travel to remote branch locations.
• Proven skills in professional report writing and documentation.
• Demonstrated integrity, accountability, and professional skepticism.
• Understanding of Indonesian fintech and financial institution regulations.
• Experience with data validation tools or mobile-based audit platforms (preferred).
• Fluency in Indonesian with English proficiency as an added advantage.