Risk & Anti Fraud Manager

PT Sejahtera Sama Kita; Jakarta Utara; On-site; IDR 834.028.000 - 1.251.043.000; Full time

Job summary

A leading fintech company in Jakarta Utara is seeking an experienced fraud and risk manager to develop and maintain comprehensive anti-fraud frameworks for its e-wallet services. The ideal candidate will have a bachelor's degree and at least 7 years of experience in risk management, alongside proficiency in data analytics and knowledge of BI/OJK regulations. Responsibilities include investigating fraud, monitoring risk indicators, and ensuring compliance with regulatory standards. This role offers a significant impact on minimizing fraud losses and enhancing risk controls.

Qualifications

• Minimum 7 years of experience in risk and/or fraud management in fintech, e-wallet, or banking.
• Strong knowledge of BI/OJK regulations, KYC, AML/CFT, and payment systems.
• Proven ability to implement controls and reduce fraud/risk exposures.
• Certifications in anti-fraud or risk management are an advantage.

Responsibilities

• Develop and maintain anti-fraud, KYC, and risk frameworks for e-wallet and payment services.
• Monitor key risk indicators and analyze suspicious activities.
• Investigate fraud cases and lead incident response.
• Partner with various units to ensure compliance with regulations.

Skills

Fraud detection tools

Data analytics (SQL, Python)

Investigative and analytical skills

Communication skills

Education

Bachelor’s degree in Economics, Finance, Risk, Statistics, IT, or related field

Tools

BI tools

Job description

Develop and maintain end-to-end anti-fraud, kyc, and risk frameworks for e-wallet and payment services, covering onboarding, transaction rules and monitoring, investigations, and incident management.

Define rules and criteria for user onboarding, top-up, account upgrade, payments, and transactions.

Establish clear actions for potential risk conditions for both new and existing users (e.g., flag, lock, or blacklist).

Implement preventive and detective controls to mitigate risks, such as transaction monitoring, merchant/partner due diligence, and system safeguards.

Monitor key risk indicators, analyze suspicious activities, and apply early intervention to minimize fraud losses.

Investigate fraud cases (e.g., account takeovers, merchant misuse, cash-out abuse) and lead incident response.

Partner with respective units (Compliance, Customer Service, Legal, Internal Audit, etc.) to ensure compliance with BI and OJK regulations, including timely submission of regulatory reports.

Collaborate with Product, Operations, Technology, and Legal teams to embed risk controls into new products and business processes.

Support internal, external, and regulatory audits, ensuring sustainable remediation of findings.

Drive fraud and risk awareness through staff training and company-wide campaigns.

Qualifications

Bachelor’s degree in Economics, Finance, Risk, Statistics, IT, or related field.

Minimum 7 years of experience in risk and/or fraud management in fintech, e-wallet, or banking.

Strong knowledge of BI/OJK regulations, KYC, AML/CFT, and payment systems.

Experience with fraud detection tools, transaction monitoring, and risk analytics.

Proven ability to implement controls and reduce fraud/risk exposures.

Strong investigative, analytical, and communication skills.

Hands‑on experience with data analytics (SQL, Python, BI tools) to detect anomalies, build monitoring dashboards, and support fraud investigations.

Certifications in anti‑fraud or risk management are an advantage.