Financial Risk Control Manager

Tencent Holdings Ltd; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Tencent Holdings Ltd is seeking a seasoned Risk & Compliance professional to lead the risk management framework for overseas acquiring, covering merchant lifecycles and dynamic risk controls across markets. You will design mitigations, conduct due diligence, and ensure adherence to card scheme rules and AML standards.

You will build and optimize risk rating systems, monitor fraud indicators, and collaborate with regulators, card schemes, and business units to support responsible overseas growth.

Qualifications

• Bachelor's degree or above in finance, risk management, economics, data analysis, law, or related field.
• Proficiency in English and Mandarin is required.
• 3+ years of experience in acquiring, payment, or financial risk control; overseas experience a plus.
• Familiar with major acquiring risk types and AML/chargeback rules.

Responsibilities

• Build and run the risk management framework for overseas acquiring, covering end-to-end merchant lifecycle and risk control.
• Design and deploy mitigation strategies; monitor effectiveness and ensure compliance with card scheme rules and AML requirements.
• Conduct due diligence on key merchants and complex cases; analyze data and verify documents; on-site visits as needed.
• Develop risk rating and monitoring models; improve fraud and money laundering detection and interception.
• Interface with card schemes; deliver regular risk reports and optimization recommendations.

Skills

Risk management

Data analysis

Regulatory compliance

Cross-functional communication

Bilingual English/Mandarin

Education

Bachelor's degree in finance or related field

Job description

Business Unit

Corporate Development Group (CDG) as the platform for the company's new business incubation and new business exploration, CDG is responsible for promoting development and innovation for important areas such as financial technology and advertising, as well as marketing services, including payment and financial applications. As a professional support platform, CDG also supports the company and various business groups in strategic planning, investments and mergers, investor relations and corporate global communications, marketing and public relations, and more.

Business Unit

Corporate Development Group (CDG) as the platform for the company's new business incubation and new business exploration, CDG is responsible for promoting development and innovation for important areas such as financial technology and advertising, as well as marketing services, including payment and financial applications. As a professional support platform, CDG also supports the company and various business groups in strategic planning, investments and mergers, investor relations and corporate global communications, marketing and public relations, and more.

What The Role Entails

Corporate Development Group (CDG) as the platform for the company's new business incubation and new business exploration, CDG is responsible for promoting development and innovation for important areas such as financial technology and advertising, as well as marketing services, including payment and financial applications. As a professional support platform, CDG also supports the company and various business groups in strategic planning, investments and mergers, investor relations and corporate global communications, marketing and public relations, and more.

Position Overview

Responsible for building and running the risk management framework for the company's overseas acquiring business, covering the end-to-end merchant lifecycle and dynamic risk control across acquiring models and overseas markets. The role identifies, assesses, mitigates and monitors risk from business models and transactions, designs and deploys matching mitigation strategies, and ensures compliance with card scheme rules, AML and Anti-fraud requirements across jurisdictions — safeguarding risk exposure and the compliance bottom line while supporting healthy, rapid overseas business growth.

• Business Model & Risk Identification: Develop a deep understanding of overseas acquiring business models and the transaction lifecycle to systematically identify and assess the risk across different markets.
• Risk Strategy Deployment & Mitigation: Design and deploy matching mitigation strategies for identified risks and validate their effectiveness through closed-loop review.
• Merchant Due Diligence & Investigation: Conduct data analysis and due diligence on key merchants, high-risk merchants, and complex cases; assess business authenticity, compliance, and risk level through transaction analysis, document verification, and on-site visits.
• Risk Rating & Monitoring Models: Build and continuously optimize merchant risk rating, transaction monitoring rules, and risk models; improve detection and interception of fraud, money laundering etc.; deploy tiered control strategies based on the ratings.
• Indicators, Reporting & Scheme Programs: Establish portfolio-level KRI and EWI; interface with card scheme monitoring programs and deliver regular risk analysis reports and optimization recommendations.

Qualifications

Who We Look For

• Bachelor's degree or above in finance, risk management, economics, data analysis, law, or a related field.
• Proficiency in English and Mandarin is required, to liaise with regulators, card schemes, and business counterparts.
• 3+ years of experience in acquiring, payment, or financial risk control (5+ for senior level), with hands-on experience in payment institutions, acquirers, or fintech companies preferred; overseas / cross-border business experience is a plus.
• Familiar with the major acquiring risk types and the design and deployment of matching mitigation strategies. Solid command of card scheme rules, AML, and chargeback/dispute mechanisms.
• Solid data analysis skills; able to identify anomalous patterns and risk signals from large datasets.
• Strong ownership and resilience under pressure; excellent cross-functional communication to align business, technology, compliance, and operations teams to implement risk control requirements.

Preferred Qualifications

• Experience with crypto or cross-border / overseas acquiring risk control; Background in data analytics and AI applications (scorecards, machine learning, rule engines)

Equal Employment Opportunity at Tencent

As an equal opportunity employer, we firmly believe that diverse voices fuel our innovation and allow us to better serve our users and the community. We foster an environment where every employee of Tencent feels supported and inspired to achieve individual and common goals.