Field Audit Associate — Fintech Compliance & Fraud

Cermati.com; Jakarta Pusat; On-site; IDR 180,000,000 - 300,000,000; Full time

Job summary

Cermati, a fintech startup in Indonesia, is seeking an experienced Internal Audit professional to execute regional audit cycles, identify fraud indicators, and ensure compliance across branch operations.

You will conduct field inspections, document evidence, and communicate findings to branch managers and senior management, with travel to remote locations and a strong emphasis on integrity and analytical thinking.

Qualifications

• Bachelors 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.

Responsibilities

• Execute regional audit cycles effectively, efficiently, and within 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.
• 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

Attention to detail

Investigative skills

Analytical data review

Report writing

Travel readiness

Education

Bachelor7s degree in Accounting, Finance, Audit, Law, or related field

Tools

Data validation tools

Mobile-based audit platforms

Job description

Cermati, a fintech startup in Indonesia, is seeking an experienced Internal Audit professional to execute regional audit cycles, identify fraud indicators, and ensure compliance across branch operations.

You will conduct field inspections, document evidence, and communicate findings to branch managers and senior management, with travel to remote locations and a strong emphasis on integrity and analytical thinking.