Assistant Manager, EP Fraud & Monitoring

AEON Credit Service (M) Bhd; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

AEON Credit Service (M) Berhad in Kuala Lumpur seeks an experienced Card Authorization professional to support the Section Head in managing operations, improve service quality and ensure fraud prevention while meeting card scheme standards.

The role focuses on monitoring performance, refining authorization rules, and driving continuous improvements, incident readiness and business continuity, with leadership responsibilities for a small team.

Qualifications

• Minimum 5 years of relevant experience in a financial institution, preferably 3–5 years in Credit Card Operations/Authorization/Fraud Operations or related card business functions.
• Preferably 2–3 years of supervisory or team leadership experience.
• Experience in card authorization, transaction processing, fraud monitoring, dispute/chargeback processes and card scheme requirements.

Responsibilities

• Assist the Section Head in managing Card Authorization operations and ensure efficient delivery of services.
• Plan, implement and monitor authorization strategies to improve service quality and fraud prevention.
• Lead day-to-day authorization operations and resolve incidents and enquiries.
• Monitor performance, trends, decline rates, system availability and provide analysis.
• Review and optimize card authorization rules to balance approvals, customer experience and risk.
• Support Real-Time Fraud Detection strategies and rules to minimize fraud and dispute losses.
• Drive continuous improvement, automation and operational controls across Authorization Operations.
• Ensure readiness and business continuity, including incident management and stakeholder coordination.

Skills

Card authorization

Fraud monitoring

Dispute/Chargeback

Transaction processing

Stakeholder management

Leadership

Problem-solving

Analytical skills

Education

Advanced Diploma or Degree in Business Administration/Finance/Banking/Information Technology

Job description

Assist the Section Head in managing and overseeingCard Authorization operations, ensuring effective, efficient and consistent delivery of authorization services in accordance with company objectives, regulatory requirements and card scheme standards.

Support the planning, implementation and monitoring of authorization strategies, operational improvements and initiatives to enhance service quality, operational efficiency, fraud prevention and customer experience.

Lead and coordinate day-to-day authorization operations, ensuring timely resolution of operational issues, system incidents, transaction-related enquiries and other authorization matters.

Monitor authorization performance, transaction trends, decline rates, system availability and operational indicators, providing analysis and recommendations to support management decision-making.

Assist in reviewing and optimizing card authorization rules, parameters and processes to achieve an appropriate balance between transaction approval, customer experience, fraud prevention and operational risk.

Support the development and enhancement ofReal-Time Fraud Detection strategies and rules based on fraud trends, transaction behaviours, dispute patterns and emerging risks to minimize fraud and dispute losses.

Assist the Section Head in driving continuous improvement initiatives, process automation, operational controls and service enhancement across Authorization Operations.

Act as a key support to the Section Head in ensuring operational readiness and business continuity, including incident management, contingency arrangements and coordination with relevant internal and external stakeholders.

Minimum job requirement (education & experience)

Minimum academic qualification of anAdvanced Diploma or Degreein Business Administration, Finance, Banking, Information Technology or a related discipline.

Minimum5 years of relevant working experience in a financial institution, with preferably3-5 years of experience in Credit Card Operations, Authorization, Fraud Operations or related card business functions.

Preferably2-3 years of supervisory or team leadership experience, with experience in managing and guiding staff in daily operations.

Experience in card authorization, transaction processing, fraud monitoring, dispute/chargeback processes and card scheme requirements will be an added advantage.

Independent, result-oriented and proactive, with strong problem-solving and analytical capabilities.

Good leadership, interpersonal and stakeholder management skills.

Able to work effectively under pressure and manage multiple priorities within tight timelines.

AEON Credit Service (M) Berhad is a leading consumer financing provider with business operations in Japan, Malaysia, Hong Kong, Thailand, Taiwan and China. We established a strong presence in Malaysia since 1996 with a wide range of consumer financial services. Our portfolio currently includes credit card, personal financing and easy payment scheme which help enrich the livelihood of many Malaysians.

We offer an exciting and dynamic workplace for all employees. As part of our expansion plan, we are on the lookout for talented individuals who strive for excellence. If you are visionary go-getter, come join us today. Together, we can shape a promising and satisfying career path.