Transaction Monitoring Team 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

Who we are:

We are Honest - a company committed to building financial products that people truly love. Our products are designed to be fair, simple, and genuinely useful in everyday life. Our diverse team brings together people from different backgrounds who share the same goal: to create meaningful solutions that make finance better. After successfully launching our first product, we’re now in an exciting growth stage, learning fast, moving quickly, and building together as a team.

About the role:

Fraudsters move fast. We need someone who moves faster.

As Transaction Monitoring Team Lead, you will own how Honest detects, investigates, and stops fraud and money laundering across our credit card and QRIS portfolio. You will lead the Transaction Monitoring team, make the hard calls on live cases, and work closely with Compliance, Risk, Legal, and regulators.

Reporting to the Operations Lead, you will have direct visibility with senior management. If you are sharp with data, relentless on detail, confident enough to challenge anyone, and you already use AI to work smarter, this role is for you.

How you will make an impact:

1. Lead fraud investigations
   • Lead investigations of external fraud: account takeover, scams and social engineering, card-not-present fraud, identity fraud, first-party fraud, and 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
2. Own monitoring and AML/CFT operations
   • Own the alert queue, and tune monitoring rules to catch more fraud with fewer false positives
   • Run AML/CFT operations: screening, CDD and EDD triggers, and suspicious transaction reports (LTKM) to PPATK
3. Meet regulatory obligations
   • Meet fraud and AML obligations to both OJK and Bank Indonesia, file reports to PPATK, and handle requests from regulators and law enforcement
4. Build an AI-first function
   • Use AI tools, such as Claude, to speed up triage, analysis, and case write-ups, and build AI-assisted workflows for the team
   • Lead, coach, and grow the Transaction Monitoring team

What you need to have:

• 5+ years in fraud investigation, transaction monitoring, or AML at a bank, fintech, payments company, or card issuer
• 2+ years leading a team or leading investigations end to end
• Hands-on experience with both external and internal fraud cases
• Working knowledge of both OJK and Bank Indonesia regulations on AML/CFT, anti-fraud, and payment systems, including UU 8/2010, POJK 8/2023, POJK 12/2024, PBI 10/2024, and PPATK reporting
• Strong data skills in Excel or Google Sheets; SQL strongly preferred
• You use AI in your daily work, especially Claude, and you have built something with it: an analysis workflow, a query or script, a case summary tool, or an investigation template
• Excellent written and spoken Bahasa Indonesia and English
• Bachelor’s degree in any field; law, accounting, finance, IT, or statistics preferred

What makes you stand out:

• CFE, CAMS, or Indonesian APU PPT certification
• Credit card experience: card scheme rules, chargebacks, card-not-present fraud
• QRIS and digital payments fraud experience, and familiarity with Bank Indonesia payment system and QRIS rules
• Experience building AI agents, automations, or tools with Claude, Claude Code, or similar
• Experience working with law enforcement or giving evidence in legal cases

Our application process:

• The hiring team reviews your application
• You get invited to an initial call with the hiring team
• Onsite interviews with relevant team members
• Offer

Why you’ll love it here:

• Build, not maintain: shape the fraud and AML function of a fast-growing credit card issuer
• AI-first ways of working, with the freedom to build tools that change how the team works
• Direct line to the Operations Lead and visibility with senior management
• Real cases, real impact: your decisions protect customers every day
• We’re all owners; everyone at Honest gets ESOP (Employee Stock Option Plan)
• Training course and book subsidies
• You’ll be working with the smartest people in the industry
• Top-of-the-line medical healthcare plan

Honest hiring:

At Honest, we’re working hard to build the future of finance for Asia. To do so, we prioritize attracting the best talent worldwide to join us – regardless of their background and heritage. At Honest, we are committed to equal employment opportunities regardless of race, color, ethnicity, ancestry, religion, national origin, gender, sex, gender identity or expression, sexual orientation, age, citizenship, marital or parental status, disability, or other class protected by applicable law. We are proud to be an equal opportunity workplace. If you want to be part of changing how people access finance in Asia, join us and help us build a global company where we’re all proud to belong.