Fraud & AML Monitoring Lead

Honest; Indonesia; On-site; IDR 600,000,000 - 960,000,000; Full time

Benefits offered by this job

ESOP

Medical healthcare

Training course subsidies

Job summary

Honest is seeking a Transaction Monitoring Team Lead to own how we detect, investigate, and stop fraud and money laundering across our credit card and QRIS portfolio. You will lead the Transaction Monitoring team, make live-case decisions, and collaborate with Compliance, Risk, Legal, and regulators.

Reporting to the Operations Lead, you will monitor alerts, tune rules, and build AI-assisted workflows using Claude. Strong data skills and bilingual Indonesian/English communication are essential.

Qualifications

• 5+ years in fraud investigation, transaction monitoring, or AML.
• 2+ years leading a team or investigations end to end.
• Hands-on external and internal fraud experience.
• Strong knowledge of OJK and Bank Indonesia AML/CFT regs (UU 8/2010, POJK 8/2023, POJK 12/2024, PBI 10/2024, PPATK reporting).
• Data skills in Excel or Google Sheets; SQL preferred.
• Use of AI in daily work (Claude) and developed AI-assisted workflows.
• Excellent written and spoken Bahasa Indonesia and English.
• Bachelor’s degree; fields like law, accounting, finance, IT, or statistics preferred.

Responsibilities

• Lead investigations of external fraud (account takeover, scams, card-not-present, identity fraud, first-party fraud, QRIS abuse).
• Lead investigations of internal fraud and staff misconduct with HR, Legal, and Internal Audit.
• Make case decisions: block, recover, report, or elevate to Legal and law enforcement.
• Own alert queue and tune monitoring rules to reduce false positives.
• Run AML/CFT operations: screening, CDD/EDD triggers, and suspicious transaction reports to PPATK.
• Meet fraud and AML obligations to OJK and Bank Indonesia; respond to regulator requests.
• Build AI-first workflows; use Claude to speed triage, analysis, and case write-ups; lead the team.

Skills

Fraud investigations

Team leadership

Data analysis

Regulatory knowledge

SQL

AI tools (Claude)

Bilingual: Bahasa Indonesia & English

Education

Bachelor’s degree in any field; law, accounting, finance, IT, or statistics preferred

Tools

SQL

Claude (AI)

Job description

Honest is seeking a Transaction Monitoring Team Lead to own how we detect, investigate, and stop fraud and money laundering across our credit card and QRIS portfolio. You will lead the Transaction Monitoring team, make live-case decisions, and collaborate with Compliance, Risk, Legal, and regulators.

Reporting to the Operations Lead, you will monitor alerts, tune rules, and build AI-assisted workflows using Claude. Strong data skills and bilingual Indonesian/English communication are essential.