Senior Risk Officer

WorkerzDirect Sdn Bhd; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

WorkerzDirect Sdn Bhd is seeking a Senior Risk Officer to help identify, assess and manage risks across our digital payments and cross-border remittance services. You will work with Compliance, Operations, Finance and Product teams to ensure alignment with regulatory requirements and robust risk controls.

This hands-on role requires strong analytical skills, experience in risk management within regulated financial services, and the ability to drive continuous improvement in our ERM framework as

Qualifications

• Bachelor's Degree in Risk Management, Finance, Accounting, Business, Banking, Economics, Information Technology or related discipline.
• 2–4 years of experience in risk management or related regulated financial services.
• Experience in a regulated financial institution, e-money issuer or payment service provider is advantageous.
• Knowledge of ERM, operational risk, RCSA, KRIs, risk appetite and control assessments.
• Familiarity with Bank Negara Malaysia (BNM) regulatory requirements relevant to e-money/payments.

Responsibilities

• Implement and improve the Enterprise Risk Management and payments risk framework in line with BNM requirements.
• Develop risk profiles, conduct RCSAs and monitor controls across digital payments and remittance activities.
• Maintain risk registers, KRIs, risk appetite and governance reporting for senior management and committees.
• Monitor operational and safeguarding controls, and escalate material risks as needed.
• Support fraud, financial crime, cyber risk and third-party risk assessments and mitigations.
• Advise on risk input for new products and technology changes.

Skills

Risk assessment

Analytics

Stakeholder management

Attention to detail

Communication

Education

Bachelor's Degree in Risk Management, Finance, Accounting, Business, Banking, Economics, Information Technology

Tools

ERM tools

RCSA

Job description

Jora Malaysia will close on 16th September 2026. Thank you for being with us, we are cheering you on as you continue your career journey.

About the Role

We are alicensed e-money wallet and remittance provider regulated by Bank Negara Malaysia, and we are looking for aSenior Risk Officerto join our growing fintech business. In this role, you will play an important part in identifying, assessing and managing risks across our digital payments and cross-border remittance business.

You will work closely with teams acrossCompliance, Operations, Finance and Productto ensure that business activities are aligned with applicable regulatory requirements and risk management standards, includinganti-money laundering and counter-financing of terrorism (AML/CFT) requirements, e-money regulations and remittance regulations. You will help strengthen our risk management framework and ensure risks are identified, assessed and addressed proactively.

This is ahands-on rolefor someone who enjoys working in a fast-paced environment, is comfortable collaborating across different teams, and is passionate about contributing to the growth of a digital financial services business.

Key Responsibilities

Regulatory Compliance & Risk Frameworks:Implement, maintain and continuously improve the Enterprise Risk Management (ERM) and payments risk management framework in line with applicable Bank Negara Malaysia (BNM) requirements, including the Policy Document on Electronic Money and Risk Management in Technology (RMiT).

Risk Assessment & Control:Develop, maintain and periodically review the organization’s business and IT risk profiles to ensure key risks are effectively identified, assessed, monitored and managed. Identify, assess and monitor key risks across digital payments, e-money and cross-border remittance activities. Conduct RCSAs and review the effectiveness of key controls, risk mitigations and remediation actions.

Risk Reporting & Governance:Maintain risk registers and track Key Risk Indicators (KRIs), risk appetite, risk limits and emerging risks. Prepare timely risk reports, dashboards and updates on risk exposures for senior management and relevant governance committees.

Operational & Safeguarding Risk:Monitor key operational and safeguarding controls, including trust account reconciliation, customer fund safeguarding, merchant settlements and liquidity management. Escalate discrepancies, exceptions and material risks where appropriate.

Fraud & Financial Crime Risk:Monitor transaction monitoring rules, anti-fraud triggers, chargebacks and emerging scam typologies in coordination with AML/CFT and Compliance teams. Support enhancements to fraud prevention, detection and financial crime controls.

Technology & Cyber Risk:Assess and monitor technology, cybersecurity and resilience risks relating to digital payment platforms, systems, applications, data, access management and system availability, in line with applicable RMiT requirements.

Third-Party & Vendor Risk:Evaluate and monitor risks associated with outsourcing partners, payment gateway providers, white-label technology vendors, agents and other critical third parties. Support vendor due diligence, risk assessments and ongoing monitoring.

Product & Change Risk:Provide risk input and constructive challenge for new products, services, features, system changes and business initiatives, ensuring key risks and appropriate controls are considered before implementation.

Regulatory & Audit Support:Monitor relevant regulatory developments and support regulatory reviews, internal and external audits, assessments and information requests relating to risk management.

Incident & Remediation Management:Monitor material risk events, operational incidents and control weaknesses, conduct root-cause analysis where required, and track remediation actions through to closure.

Risk Culture & Advisory:Work closely with business and support functions to provide practical risk advice, strengthen internal controls and promote a proactive risk management culture across the organisation.

Continuous Improvement:Identify opportunities to enhance risk processes, controls, monitoring and reporting in line with the Company's growth and evolving fintech risk landscape.

Requirements

Bachelor's Degree inRisk Management, Finance, Accounting, Business, Banking, Economics, Information Technologyor a related discipline.

2–4 years of relevant experiencein risk management, operational risk, compliance, banking, fintech, payments, e-money, remittance or other regulated financial services.

Experience in aregulated financial institution, e-money issuer, payment service provider, or money services businesswill be highly advantageous.

Good understanding ofEnterprise Risk Management (ERM), operational risk, RCSA, risk registers, KRIs, risk appetite and control assessments.

Familiarity withBank Negara Malaysia (BNM) regulatory requirements, particularly those relevant to e-money, remittance, payment services and technology risk, will be an advantage.

Experience in one or more of the following areas will be an advantage:fraud risk, financial crime risk, safeguarding, technology/cyber risk, third-party risk or operational resilience.

Strong analytical, problem-solving and risk assessment skills, with the ability to identify key risks and recommend practical mitigation measures.

Good communication, report-writing and stakeholder management skills, with the ability to communicate risk matters clearly to both business and senior management.

Able to work independently, manage multiple priorities and collaborate effectively across different functions.

Strong integrity, sound judgement and attention to detail, with the ability to challenge constructively and escalade issues when necessary.

What We Offer

Opportunity to work in a growing fintech and digital financial services environment.

Exposure to e-money, payment and remittance operations.

Opportunity to work closely with senior management and cross-functional teams.

A collaborative and fast-paced working environment.

Career growth and opportunities to develop your expertise in risk management.

Join Us

If you are passionate aboutrisk management, fintech and digital financial services, and are looking for an opportunity to make a meaningful impact, we would love to hear from you.