Senior AML & Risk Lead - Fintech (Malaysia)

Razorpay; Malaysia; Remote; MYR 180,000 - 300,000; Full time

Job summary

Razorpay is seeking an experienced Risk Manager to lead AML, transaction monitoring, and merchant risk oversight in Malaysia. You will drive end-to-end financial crime risk processes, collaborate with Compliance, Product, Legal, and Operations, and engage with external regulators.

The role requires deep analytical and investigative skills with a strong grasp of payments, fintech, or financial services risk in Malaysia.

Qualifications

• 8-10 years of experience in AML, transaction monitoring, merchant investigations, or financial crime risk.
• Prior experience in fintech, payments, banking, or e-money institutions preferred.
• Strong knowledge of Bank Negara Malaysia AML/CFT guidelines, reporting requirements, and risk expectations.
• Strong investigative skills: identify anomalies, connect data points, and build narratives.
• Excellent written and verbal communication; relevant certifications (ACAMS, ICA, CFCS) are a plus.

Responsibilities

• Develop, enhance AML/CFT frameworks aligned with BNM guidelines.
• Oversee daily/periodic AML monitoring, alert triage, case escalation, STR generation support.
• Review suspicious activities, prepare investigation summaries, and AML regulator reporting.
• Identify fraud/money laundering typologies, mule accounts, merchant misuse.
• Manage and optimize transaction monitoring rules, thresholds, and scenarios across payment channels.
• Conduct deep-dive investigations on high-risk patterns and potential breaches.
• Lead cross-functional reviews for complex cases involving risk or fraud.
• Perform post-onboarding risk assessments including KYC and due diligence.
• Ongoing merchant monitoring, periodic reviews, and enhanced due diligence for high-risk areas.
• Investigate chargeback spikes and abnormal payment patterns; advise on controls.

Job description

Razorpay is seeking an experienced Risk Manager to lead AML, transaction monitoring, and merchant risk oversight in Malaysia. You will drive end-to-end financial crime risk processes, collaborate with Compliance, Product, Legal, and Operations, and engage with external regulators.

The role requires deep analytical and investigative skills with a strong grasp of payments, fintech, or financial services risk in Malaysia.