Risk and Compliance Specialist

OnlinePajak; Jakarta Selatan; On-site; IDR 100.000.000 - 200.000.000; Full time

Job summary

A leading fintech company in Jakarta is seeking a Risk & Compliance Specialist to safeguard its product lines by identifying and mitigating fraud and compliance risks. The ideal candidate will have at least 5 years of experience in risk management and a deep understanding of local regulations. This role involves collaborating with business teams and ensuring adherence to regulatory requirements while supporting business growth.

Qualifications

• 5 years of experience in risk management, fraud prevention, or compliance, ideally in fintech.
• Deep understanding of PPATK regulations and AML/CFT compliance obligations.
• Specific experience managing the PJP license submission process.
• Hands-on experience with fraud investigation, transaction monitoring, and risk control implementation.

Responsibilities

• Become the go-to risk and compliance representative for specific product lines.
• Investigate and deep-dive into risk-related issues through data analysis.
• Develop and implement strong systems to monitor key fraud indicators.
• Ensure strict adherence to local regulations including KYC and AML obligations.
• Collaborate with compliance and legal teams for upcoming regulatory changes.

Skills

Risk management

Fraud prevention

Compliance

Data analysis

Communication

Job description

About the Role

We are looking for a Risk & Compliance Specialist to join our team to safeguard OnlinePajak’s product lines by proactively identifying, analyzing, and mitigating fraud and compliance risks. This involves acting as a key subject matter expert, developing robust prevention strategies, ensuring strict adherence to regulatory requirements, and providing critical insights to leadership to maintain a secure and compliant environment while supporting business growth.

Responsibilities

• Become the go-to risk and compliance representative for specific product lines, working closely with business teams to understand their unique challenges
• Investigate and deep-dive into risk-related issues through thorough reviews and data analysis
• Develop and implement strong systems to monitor key fraud indicators
• Track risk metrics diligently, understanding their root causes and impact on business performance
• Optimize fraud prevention rules to achieve the best balance between risk mitigation and business growth, hitting defined risk targets
• Design fraud platform solutions that cater to various product lines while ensuring a consistent and positive customer experience
• Ensure strict adherence to local regulations (OJK, BI), including Know Your Customer (KYC), Anti-Money Laundering (AML), and all reporting requirements
• Collaborate proactively with compliance and legal teams to anticipate upcoming regulatory changes and develop compliant processes
• Manage and audit internal policies related to data privacy, partner due diligence, and consumer protection
• Integrate robust fraud controls into user workflows and backend systems, working closely with product, engineering, and operations teams
• Serve as the primary point of contact for fraud defense, representing the risk team during internal reviews and external audits
• Develop compelling dashboards and provide insightful reports to leadership on fraud trends, exposure, and mitigation strategies

Job Requirements

• 5 years of experience in risk management, fraud prevention, or compliance, ideally in fintech
• Deep understanding of PPATK regulations, AML/CFT compliance obligations, and Know Your Customer (KYC) implementation
• Specific experience managing the end-to-end PJP license submission process (including PJP Category 1 or Category 2 etc., as applicable)
• Hands-on experience with fraud investigation, transaction monitoring, and risk control implementation
• Knowledge of regulatory requirements such as KYC, AML, BI reporting, and data protection best practices
• Ability to work independently, prioritise effectively, and communicate clearly across teams
• Excellent communication skills with the ability to influence across product, ops, and leadership
• Experience building or working with early-stage finance/transaction stack product
• Indonesian regulatory knowledge or experience working with BI filings