Merchant Risk Lead

DANA Indonesia; Jakarta Pusat; Sur place; IDR 669 600 000 - 1 004 400 000; Plein temps

Résumé du poste

DANA Indonesia is seeking a Merchant Risk Lead to safeguard the platform and users by overseeing merchant-related risk across the lifecycle. You will lead risk monitoring and investigations, develop data-driven strategies and collaborate with Compliance, Legal, and Operations to strengthen controls while supporting business growth.

With 6–8 years in fraud or risk management, you will drive policy improvements, develop risk models, and deliver insights to senior management.

Qualifications

• Six to eight years of experience in fraud investigation or risk management.
• Experience in merchant risk monitoring or merchant-related fraud investigations is required.
• Demonstrated leadership in driving risk or fraud investigation initiatives and coordinating stakeholders to implement risk mitigation actions.
• Strong understanding of fraud detection methodologies and case analysis.
• Excellent analytical, communication, and presentation skills.

Responsabilités

• Lead merchant risk monitoring across the merchant lifecycle, analyzing transactions to identify suspicious patterns and emerging threats.
• Lead investigations into suspected merchant-related fraud and high-risk activities, gathering evidence and escalating as needed.
• Develop and improve merchant risk policies, strategies, and controls based on data-driven insights.
• Create data-driven risk models, dashboards, and automated workflows to balance risk with growth.
• Coordinate with Compliance, Legal, Operations and external partners to assess risks and implement controls.
• Prepare reports for senior management on risk exposure, trends, and actions.

Connaissances

Leadership

Fraud detection

Analytical thinking

Stakeholder management

Case analysis

Communication

Presentation skills

Formation

Bachelor’s degree in Statistics/Data Science/Finance/Business Administration/Criminology

Outils

Analytics tools

Description du poste

The Merchant Risk Lead will support the Head of Fraud Investigation & Risk Recovery in protecting the platform and its users by assessing, monitoring, and mitigating merchant-related risks across the merchant lifecycle. The role will lead merchant risk monitoring and investigations, develop data-driven risk strategies and controls, and collaborate with internal and external stakeholders to strengthen fraud prevention while supporting business growth.

You’ll be working on:

• Lead merchant risk monitoring across the merchant lifecycle, analyzing transactions and activities to identify suspicious patterns, emerging threats, and potential control gaps.
• Lead investigations into suspected merchant-related fraud and high-risk activities, including online gambling and account takeover (ATO), ensuring timely and thorough evidence gathering, analysis, documentation, and escalation.
• Develop and improve merchant risk policies, strategies, and controls based on transaction analysis, investigation findings, and emerging risk trends.
• Develop and enhance data-driven risk models, dashboards, and automated workflows to improve risk detection, monitoring, and investigation efficiency while balancing risk mitigation with business growth.
• Collaborate with Compliance, Legal, Operations, and other relevant stakeholders to assess merchant risks, coordinate investigation responses, and implement or update risk controls.
• Monitor key risk indicators (KRIs) and performance metrics to evaluate the effectiveness of merchant risk controls and investigation efforts, and recommend improvements.
• Coordinate with relevant external partners, including fraud detection service providers and law enforcement agencies where required, to support investigations and fraud prevention.
• Provide guidance to internal stakeholders on merchant risk identification, fraud prevention, investigation procedures, and escalation practices.
• Prepare reports and presentations for senior management and relevant stakeholders on merchant risk exposure, investigation findings, trends, and recommended actions.
• Stay informed about industry trends, regulatory developments, and emerging merchant fraud risks to improve risk management and investigation capabilities.

Qualifications:

• Bachelor’s degree in Statistics, Finance, Data Science, Business Administration, Criminology, or a related field.
• 6–8 years of experience in fraud investigation, risk management, or a related field, with relevant experience in merchant risk monitoring or merchant-related fraud investigations.
• Demonstrated leadership in driving risk or fraud investigation initiatives and coordinating stakeholders to implement risk mitigation actions.
• Strong understanding of fraud detection and investigation methodologies, including transaction monitoring, evidence gathering, case analysis, and escalation.
• Strong analytical and problem-solving skills, with the ability to interpret complex data, identify suspicious patterns, and translate findings into actionable risk controls.
• Proficiency in analytical and fraud detection tools and systems, with experience developing or improving risk models, dashboards, or automated monitoring workflows.
• Ability to develop and evaluate risk policies, strategies, and controls while considering their impact on merchant operations and business growth.
• Strong communication, coordination, and presentation skills, with the ability to explain risk findings and recommendations to technical and non-technical stakeholders.
• Ability to manage multiple investigations, priorities, and stakeholders effectively.
• Professional certifications in fraud examination or related fields, such as CFE or CAMS, are advantageous.