Senior Risk Analyst - KYC & ATO

GoTo Financial; Jakarta Utara; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A leading digital financial services provider in Indonesia is looking for a professional to manage digital payment risks. You will assess issues, build stakeholder relationships, and monitor risk metrics to support business growth while ensuring effective risk control. Candidates should have over 3 years of experience in digital payment systems. The role emphasizes autonomy and collaboration within a fast-paced team.

Qualifications

• 3+ years of related digital payment risk experience, preferably on the digital banking or e-wallets.
• Ability to assess issues and recommend solutions at both strategic and tactical levels.
• Familiarity with merchant risk experience such as KYC/KYB and Due Diligence is a plus.

Responsibilities

• Assess and recommend solutions for digital payment risks.
• Build trust-based relationships with stakeholders.
• Monitor risk metrics and optimize rules for business growth.

Skills

Risk solutions understanding

Proficiency in GSuite

Stakeholder relationship management

Digital payment risk experience

Monitoring tools familiarity

Tools

BigQuery

Quick BI

Google Looker

Job description

• Able to assess issues and recommend solutions both at the strategic and tactical levels - balancing the business vision and practical implementation considerations
• Intermediate proficiency in using GSuite and other cloud-based data platforms such as BigQuery, Maxcompute, etc.
• Proactively builds trust-based relationships with stakeholders while maintaining the ability to remain objective
• Strong understanding of risk solutions, product implementation - on the business side
• 3+ years of related digital payment risk experience, preferably on the digital banking or e-wallets
• Familiar with monitoring tools such as Quick BI, Google Looker, Metabase, etc.
• Merchant risk experience such as merchant KYC/KYB, Due Diligence is a plus

About the Team

We’re a fast-paced, independent team driving risk strategies across digital products. As key fraud advisors, we dive into data, monitor risk metrics, and optimize rules to strike the right balance between business growth and risk control.

Working closely with product, engineering, and business teams, we influence decisions with strong analysis and deep understanding of digital risk. We value autonomy, trust, and practical problem-solving—building scalable solutions that protect the ecosystem while keeping the customer experience front and center.

About GoTo Group

GoTo Group is the largest digital ecosystem in Indonesia with its mission to “Empower Progress” by offering technological infrastructure and solutions for everyone to access and thrive in the digital economy.

About Gojek and GoTo Financial

Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem. GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions.

Our Impact

Imagine having a beautiful product that you create being launched to the public. Then visualize more than 55 million active users, over 14 million merchants, and more than 2.5 million driver partners benefiting from it: greater efficiency, easier access to financial services, better earnings, and more.

We work on projects that impact the lives of millions, ranging from bringing the unbanked into formal financial systems to providing seamless cashless payment methods and giving consumers and merchants access to responsible lending, insurance, and investment products.

Join Our Team

So join our ride to bring the benefit of the digital economy to all. We’re just getting started!