Merchant Acquiring Risk Leader - SEA (AML/Fraud)

Pine Labs Malaysia; Kuala Lumpur; On-site; MYR 180,000 - 240,000; Full time

Job summary

Pine Labs Malaysia is seeking a Senior Manager Merchant Acquiring Risk to lead operational risk across our card acquiring business in Southeast Asia. You will guide KYB, onboarding risk, AML/CFT, chargebacks, and governance to protect the platform, customers, and partner banks.

You will drive data-led risk operations, develop real-time decisioning and automation, and collaborate with Technology and Compliance to embed risk into day-to-day decisions across markets in SEA.

Qualifications

• Experience in risk management within payments, acquiring, fintech, or financial services.
• Deep knowledge of merchant risk, transaction fraud, AML/CFT, chargebacks.
• Experience engaging with card schemes and regulators in SEA.

Responsibilities

• Execute KYB and merchant due diligence across SEA markets.
• Operate onboarding risk scoring tools and perform watchlist checks.
• Review high-risk onboarding cases per governance thresholds.
• Monitor real-time and batch transaction monitoring for fraud.
• Maintain risk rules and velocity controls with Tech/Data teams.
• Prepare MIS, dashboards, and management reporting.
• Support AML/CFT risk framework across markets (MAS, BNM, etc.).
• Oversee end-to-end chargeback and dispute operations per scheme rules.
• Engage with regulators and market bodies on risk matters.

Skills

Merchant onboarding risk

Transaction monitoring

AML/CFT

Fraud analytics

Risk governance

Regulatory engagement

Education

Bachelor's degree

Risk/Fraud certifications (advantageous)

Job description

Pine Labs Malaysia is seeking a Senior Manager Merchant Acquiring Risk to lead operational risk across our card acquiring business in Southeast Asia. You will guide KYB, onboarding risk, AML/CFT, chargebacks, and governance to protect the platform, customers, and partner banks.

You will drive data-led risk operations, develop real-time decisioning and automation, and collaborate with Technology and Compliance to embed risk into day-to-day decisions across markets in SEA.