Anti-Fraud Manager

What You Will Do:

• Develop, implement, and regularly update the company's Anti-Fraud Strategy, policies, and SOPs in line with applicable regulations.
• Build a strong anti-fraud culture through internal controls, segregation of duties, and clear policies for employees, agents, merchants, and third-party partners.
• Partner with Product and Engineering to embed preventive controls (transaction limits, velocity checks, device fingerprinting, KYC/eKYC) into products from the design stage.
• Own and continuously improve the fraud detection system - rule-based engines, anomaly detection, and machine-learning models - for real-time transaction monitoring.
• Analyze fraud typologies relevant to digital payments (account takeover, phishing/social-engineering, identity theft, merchant or agent collusion, money-mule activity, bot/credential-stuffing attacks, etc) and refine detection rules accordingly.
• Lead end-to-end investigations of suspected fraud, including evidence gathering, root-cause analysis, and case documentation.
• Coordinate with Legal, HR, Customer Service, IT Security, and law enforcement as needed, including potential criminal referrals.
• Track the effectiveness of the anti-fraud strategy and controls; report fraud KPIs and trends to senior management and relevant governance forums (e.g., Risk Committee).

Requirements

What We Are Looking For:

• Bachelor's degree (S1) in Finance, Accounting, Law, Information Technology, Risk Management, Criminology, or a related field. Master's degree is a plus.
• Minimum 6-8 years of progressive experience in fraud risk management, fraud investigation, internal audit, or risk & compliance - preferably in banking, payment systems, e-money/e-wallet, or fintech.
• At least 2 years in a supervisory or managerial role.
• Proven experience building or strengthening an anti-fraud framework and managing investigations end-to-end.
• Prior experience liaising with OJK, Bank Indonesia, PPATK, or law enforcement on fraud/AML matters is a strong advantage.
• Solid understanding of POJK 12/2024 (Anti-Fraud Strategy for Financial Services Institutions) and other relevant OJK/BI regulations on risk management, consumer protection, and payment systems.
• Working knowledge of Anti-Money Laundering and Counter-Terrorism Financing (APU-PPT) principles and PPATK reporting requirements.
• Familiarity with fraud typologies specific to digital payments
• Strong capability to do complex analysis with SQL/R/Python to find fraudulent patterns or loopholes that potentially exploited by fraudsters.
• Understanding of information security standards relevant to payment providers (e.g., ISO 27001, PCI DSS) is an advantage.
• Ability to work under pressure and manage multiple priorities in a fast-paced, regulated environment.

Benefits

• Competitive salary & performance bonus
• BPJS Kesehatan & Ketenagakerjaan
• Private health insurance
• Paid annual leave & sick leave
• Hybrid / flexible working arrangement
• Professional development & training support
• Career growth opportunities in a fast-growing fintech company
• Laptop / work equipment provided
• Team bonding & company events
• Dynamic and collaborative work environment