Payment Operations Manager, APAC

Company Description DuNoMo delivers B2B payment solutions and services for small businesses and large corporates, helping organizations improve control, transparency, and cash flow management. Its digital platform integrates payment workflows with end-to-end reconciliation, payment automation and connects via APIs to existing accounting and ERP systems for low-friction deployment. DuNoMo partners with leading card network schemes, commercial card-issuing banks and financial institutions to facilitate credit for payables and receivables and to streamline working capital while providing risk-mitigation benefits.

Role Description The Payment Operations Manager, APAC is a full-time, hybrid role based in Kuala Lumpur, Malaysia, with the flexibility to work from home part of the time. This role oversees day-to-day payment operations across the APAC region, including managing transaction processing, monitoring payment flows, and ensuring timely settlement and reconciliation for corporate customers and banking partners. The person in this role will coordinate with banks, financial institutions, and internal teams to resolve payment exceptions, reduce operational risk, and optimise processes and controls. They will analyse operational data and payment trends to improve efficiency, support new product and feature launches, and contribute to regional expansion initiatives. The role will also develop and maintain standard operating procedures, support compliance and audit requirements, and provide clear reporting to senior stakeholders.

Key Responsibilities

• KYB/KYC: Verify clients and beneficial owners, including UBO, sanctions, PEP and adverse media checks, and keep records current.
• Onboarding and MID setup: Manage acquirer submission, MID, descriptor, MCC and limits through to first live payment.
• Merchant risk: Score clients before and after boarding, set limits, and recommend whether to decline, restrict or exit.
• Acquirer management: Own day-to-day acquirer relationships
• Banking partners: Maintain accounts and payout instructions, resolve rejections and returns, and handle diligence requests across four markets.
• Transaction monitoring: Monitor authorisation, settlement and payouts in real time, and flag and escalate anomalies or fraud/AML indicators.
• Incident response: Own issues from first alert to resolution, coordinate the parties involved, log root cause, and keep clients updated.

Qualifications

• Experience: 5–8 years in payment operations, merchant services, acquiring or transaction banking, with hands-on ownership of live production flow. Experience in an acquirer, PSP, BPSP or Merchant of Record environment across multiple APAC markets is preferred.
• Payments domain: Practical knowledge of merchant onboarding, MIDs, descriptors and MCCs, the authorisation and settlement lifecycle, reconciliation and refunds. Familiarity with scheme monitoring programmes, fraud and dispute ratios, and card-not-present risk.
• Risk and compliance: Hands-on KYB/KYC experience, including UBO identification, sanctions and PEP screening, and merchant risk assessment, with a clear understanding of AML reviews. Exposure to BNM, MAS or AUSTRAC regimes, or a recognised AML certification, is a plus.
• Technical and analytical: Confident with acquirer and bank portals, screening and ticketing systems, and Excel. Able to read a settlement or transaction file, find the problem in it, and fix process gaps. Basic SQL, API/webhook literacy or reconciliation tooling is a plus.
• Client-facing and personal: Calm, clear communicator with banks, clients and internal teams, able to explain payment issues without jargon. Shows strong ownership, organisation and responsiveness in a hybrid, multi-time-zone setup, and spots and passes on commercial opportunities.