We are looking for a Risk & Compliance Specialist to join our team to safeguard OnlinePajak’s product lines by proactively identifying, analyzing, and mitigating fraud and compliance risks. This involves acting as a key subject matter expert, developing robust prevention strategies, ensuring strict adherence to regulatory requirements, and providing critical insights to leadership to maintain a secure and compliant environment while supporting business growth.
Job Description:
- Become the go-to risk and compliance representative for specific product lines, working closely with business teams to understand their unique challenges
- Investigate and deep-dive into risk-related issues through thorough reviews and data analysis
- Develop and implement strong systems to monitor key fraud indicators
- Track risk metrics diligently, understanding their root causes and impact on business performance
- Optimize fraud prevention rules to achieve the best balance between risk mitigation and business growth, hitting defined risk targets
- Design fraud platform solutions that cater to various product lines while ensuring a consistent and positive customer experience
- Ensure strict adherence to local regulations (OJK, BI), including Know Your Customer (KYC), Anti-Money Laundering (AML), and all reporting requirements
- Collaborate proactively with compliance and legal teams to anticipate upcoming regulatory changes and develop compliant processes
- Manage and audit internal policies related to data privacy, partner due diligence, and consumer protection
- Integrate robust fraud controls into user workflows and backend systems, working closely with product, engineering, and operations teams
- Serve as the primary point of contact for fraud defense, representing the risk team during internal reviews and external audits
- Develop compelling dashboards and provide insightful reports to leadership on fraud trends, exposure, and mitigation strategies
- 5 years of experience in risk management, fraud prevention, or compliance, ideally in fintech
- Deep understanding of PPATK regulations, AML/CFT compliance obligations, and Know Your Customer (KYC) implementation
- Specific experience managing the end-to-end PJP license submission process (including PJP Category 1 or Category 2 etc., as applicable)
- Hands-on experience with fraud investigation, transaction monitoring, and risk control implementation.
- Knowledge of regulatory requirements such as KYC, AML, BI reporting, and data protection best practices.
- Ability to work independently, prioritise effectively, and communicate clearly across teams
- Excellent communication skills with the ability to influence across product, ops, and leadership
- Experience building or working with early-stage finance/transaction stack product
- Indonesian regulatory knowledge or experience working with BI filings
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