Merchant Risk Management Specialist/Senior Specialist

EPOS Pte. Ltd.; Kuala Lumpur; On-site; MYR 111,600 - 167,400; Full time

Job summary

一家领先的支付管理公司在吉隆坡招聘商户风险管理专员/高级专员。该职位要求至少3年风险调查或尽职调查经验，能够有效进行复杂商户调查，并具备强大的数据分析和逻辑思维能力。要求流利的中英文沟通，以提高风险管理的有效性和效率。此岗位致力于分析高风险商户，开发风险管理策略，确保商户合规性与运营真实性。

Qualifications

• 至少3年在支付、金融相关行业的风险调查或尽职调查经验。
• 熟悉收单商户业务模型和风险环境，能够独立进行复杂商户调查。
• 具备良好的逻辑思维及数据分析能力，能够识别风险信号并形成有效结论。
• 能够在高压环境下自我调整，适应多任务工作。

Responsibilities

• 负责对重点商户进行数据分析，形成风险管理策略。
• 搭建数据及运营模块，确保运营效率与风险控制平衡。
• 定期总结商户业务模式，改善客户体验。
• 推动商户风险管理工具的优化和更新。

Skills

风险调查能力

数据分析能力

良好的观察能力

中英文流利

Job description

EPOS Merchant Risk Management Specialist/Senior Specialist

职位描述

1. 负责对重点商户、高风险商户及复杂案件进行数据分析，并制定商户风险管理策略。通过交易数据挖掘、调单凭证审核、线下走访等方式，全面评估商户的经营真实性、合规性及风险状况，实现风险甄别。
2. 根据收单商户的业务形态、公司风险政策要求及策略/运营框架体系，专项搭建数据及运营模块。工作内容包括但不限于：运营流程设计、标准制定、运营平台建设、质量培训体系完善、运维机制优化及资源管理等，确保运营效率与风险控制的平衡。
3. 基于日常案例的积累，定期系统性总结收单业务形态、风险特征及客户体验痛点，形成知识反哺机制。通过策略效能评估、运营效率提升及客户体验优化，参与风险案例库建设与知识沉淀，提炼可传承的调查经验与方法论。
4. 根据业务需求与风险偏好的动态变化，协同相关部门推动商户风险管理工具的迭代与优化建设，确保风险管理能力持续满足业务发展需求。

Responsibilities

1. Analyze Key Merchants, High-Risk Merchants, and Complex Cases to Develop Risk Management Strategies. Responsible for conducting data analysis on key merchants, high-risk merchants, and complex cases, and formulating merchant risk management strategies. Utilize transaction data analysis, document verification, offline visits, and other methods to comprehensively evaluate the authenticity, compliance, and risk status of merchants' operations, achieving risk identification.
2. Build Data and Operations Modules Based on Business Models and Risk Policies. Based on the business models of acquiring merchants, company risk policy requirements, and strategy/operations frameworks, design and build data and operations modules. Responsibilities include, but are not limited to: operational process design, standard formulation, operations platform development, quality training system improvement, maintenance mechanism optimization, and resource management, ensuring a balance between operational efficiency and risk management.
3. Through accumulation of daily cases, systematically summarize acquiring business patterns, risk characteristics, and customer experience pain points on a regular basis. Provide knowledge feedback to enhance risk management solutions, improve operational efficiency and customer experience. Participate in risk case database construction and knowledge documentation, forming transferable investigation experience and methodologies.
4. Based on the dynamic changes in business needs and risk preferences, collaborate with relevant departments to jointly drive iteration and development of merchant risk management tools.

Requirements

1. Minimum 3 years of experience in risk investigation, due diligence, or on-site investigation within payment, financial, or related industries. Familiar with acquiring merchant business models and risk landscape, capable of independently conducting complex merchant investigations. Experience in offline merchant risk management is preferred.
2. Proficient in various merchant risk investigation skills and methodologies. Possess excellent observation, communication, and judgment abilities, capable of obtaining critical information in complex situations.
3. Strong logical thinking and data analysis capabilities. Able to identify risk signals from investigation information and form structured, insightful investigation conclusions. Willing to share experience with good communication and expression skills. Capable of effectively guiding newcomers.
4. Fluent in both Chinese and English as working languages, including reading, writing, and oral business English communication.
5. Strong sense of ownership. Demonstrate strong resilience and self-adjustment capabilities when facing complex, high-pressure, multi-tasking situations.