Senior Merchant Risk & Compliance Leader (SEA)

Pine Labs Malaysia; Kuala Lumpur; On-site; MYR 180,000 - 320,000; Full time

Job summary

Pine Labs Malaysia is seeking a Senior Manager Merchant Acquiring Risk to lead the operational risk framework for our card acquiring business across Southeast Asia. You will protect the platform, customers and partner banks from fraud and regulatory risk while guiding onboarding, monitoring, and compliance.

You will push for automation, real-time decisioning, and data-led improvements, align with regulators and card schemes, and deliver MIS and risk reporting to senior leadership.

Qualifications

• 6–8 years of experience in risk management within payments, acquiring, fintech, or financial services.
• Bachelor’s degree required; certifications in Risk, AML, Fraud, or Payments are advantageous.
• Deep domain expertise in merchant risk, transaction fraud, AML/CFT, or chargebacks.
• Demonstrated experience managing acquiring risk portfolios in Southeast Asian markets.
• Hands-on knowledge of Visa and Mastercard operating rules, chargeback programs (VAMP, ECP).
• Experience engaging with card schemes and financial regulators in Malaysia or Singapore.
• Proven track record of building and leading cross-functional risk teams in a fast-paced, high-growth environment.
• Strong analytical skills with data-driven decision-making.
• Experience in a payments processor, acquirer, or PayFac environment.
• Familiarity with PCI-DSS requirements and their intersection with operational risk.
• Regional language capabilities in addition to English.

Responsibilities

• Lead and implement the operational risk framework for card acquiring across SEA markets.
• Oversee merchant onboarding risk, transaction monitoring, AML controls, and chargeback management.
• Drive automation and real-time decisioning in risk operations.
• Ensure compliance with regulatory and network standards.
• Prepare MIS, dashboards, and risk reporting for governance and audits.
• Engage with regulators and card schemes across SEA markets and coordinate regulatory responses.

Skills

Risk management

Payments domain

Fraud prevention

Data analytics

Regulatory compliance

Education

Bachelor’s degree

Certifications in Risk/ AML/ Fraud/ Payments

Job description

Pine Labs Malaysia is seeking a Senior Manager Merchant Acquiring Risk to lead the operational risk framework for our card acquiring business across Southeast Asia. You will protect the platform, customers and partner banks from fraud and regulatory risk while guiding onboarding, monitoring, and compliance.

You will push for automation, real-time decisioning, and data-led improvements, align with regulators and card schemes, and deliver MIS and risk reporting to senior leadership.