Job Description:
End-to-End Fraud Operations (Buyer & Merchant)
- Oversee daily monitoring, investigation, and case management for both buyer and merchant-related fraud across payment, wallet, and credit products.
- Identify and analyze new fraud patterns, tactics, and emerging modus operandi through both manual data pulls and system-driven insights.
- Lead design and continuous improvement of fraud detection logic, escalation workflows, and data validation protocols.
Workflow Design & Scalability
- Build structured, repeatable workflows to support large-scale fraud detection, appeals, and recovery operations.
- Define and operationalize key metrics such as detection accuracy, false positive rate, case turnaround time, and loss containment.
- Work closely with BI and Operations Excellence teams to embed dashboards, alerts, and process health indicators.
Regulatory & External Stakeholder Management
- Serve as the main liaison with Bank Negara Malaysia, PayNet, National Fraud Portal (NFP), RPP, ORION, National Scam Response Centre (NSRC), and Law Enforcement Agencies.
- Ensure compliance with all mandatory reporting obligations and manage timely submission of regulatory and interbank fraud reports.
- Represent the company in regulator-led discussions, audits, or working groups relating to fraud, scams, or consumer protection.
Strategy & Governance
- Develop and implement the company's fraud prevention roadmap, balancing business enablement with risk mitigation.
- Drive proactive fraud control initiatives, including cross-functional playbooks and preventive guardrails for product launches.
- Partner with Compliance, Legal, Risk, and Technology to align fraud governance frameworks with evolving local and regional standards.
Leadership & Team Development
- Lead a multidisciplinary team of fraud specialists across Buyer and Merchant verticals, fostering a culture of accountability and analytical curiosity.
- Coach and mentor team members to strengthen investigative, analytical, and regulatory communication capabilities.
- Establish clear ownership of key fraud metrics, ensuring the team consistently delivers measurable outcomes.
Requirements:
- Bachelor's degree in Finance, Risk, or a related discipline advanced certification in Fraud Management / Financial Crime preferred.
- Minimum 8-10 years in fraud risk management, financial crime operations, or regulatory-facing roles within fintech, e-money, or banking sectors.
- Proven exposure to both buyer and merchant fraud patterns and recovery processes.
- Strong proficiency in manual data analysis, SQL or dashboard interpretation, and the ability to derive actionable insights from raw data.
- Experience designing and refining fraud detection rules and evaluating system effectiveness.
- Deep understanding of Bank Negara Malaysia, PayNet, and interbank reporting structures (ORION, NFP, RPP).
- Experience liaising with Law Enforcement Agencies and responding to regulatory or police requests.
- Demonstrated ability to lead, build, and scale fraud teams in dynamic, high-volume environments.
- Excellent stakeholder management and communication skills across technical, operational, and regulatory audiences.
- Fluency in Mandarin or other regional languages is an advantage.
