Risk Analyst

Requirements

•Bachelor’s degree in Risk Management, Finance, Business, Law, Information Technology, or a related field. •Minimum 1 years of relevant experience in Risk Management, Fraud Management, Payment Risk, Dispute Resolution, or related functions, preferably within fintech, payment gateway, banking, or financial services. •Proven experience in fraud detection, transaction monitoring, merchant risk assessment, and dispute/refund management. •Strong understanding of payment transactions and payment methods, including Credit Card, VA, QRIS, E-Wallet, and acquiring processes. •Strong ability to assess legal exposure, evaluate litigation risks, and develop practical strategies to mitigate potential financial, operational, and reputational impacts. •Strong understanding of civil and commercial litigation, dispute resolution procedures, legal claims, settlement negotiations, and relevant Indonesian laws and regulations. •Excellent stakeholder management and communication skills, with the ability to coordinate effectively with internal teams, merchants, banks, payment partners, and regulators.

Job Description

1. Daily Transaction Monitoring

Perform daily transaction monitoring through risk management tools and systems to identify suspicious transaction patterns and potential fraudulent activities, and provide monitoring results through daily reporting.

1. Merchant Fraud Notification

Communicate and notify merchants regarding suspicious transactions or unusual activities identified through monitoring results, and coordinate necessary follow-up actions in accordance with established procedures.

1. Risk Parameter Improvement

Provide recommendations and improvement proposals for risk parameters and monitoring rules to enhance fraud detection capabilities and minimize potential fraudulent transactions.

1. Merchant Onboarding Preliminary Assessment

Conduct preliminary risk assessments of merchant onboarding applications by reviewing relevant business information and supporting documents, and submit the assessment results to the Risk Team Leader for further review.

1. Merchant Onboarding Risk Scoring

Perform merchant onboarding risk scoring assessments and communicate the final risk assessment results to relevant internal teams as part of the merchant onboarding approval process.

1. Merchant Onboarding Reporting

Prepare and submit weekly reports on merchant onboarding activities, assessment results, and risk findings to the direct supervisor.

1. Credit Card Dispute & Representment Handling

Respond to incoming credit card disputes and representment requests by collecting, reviewing, and preparing relevant supporting evidence, while coordinating with internal stakeholders and merchants to ensure timely submission and resolution.

1. Monthly Chargeback Reporting

Prepare monthly chargeback reports, including transaction details and supporting information, to facilitate chargeback billing and recovery processes from merchants.

1. Monthly Fraud Reporting

Consolidate and prepare monthly fraud reports received from each acquiring bank, ensuring data accuracy and completeness, and submit the reports to the direct supervisor for further review and monitoring.

1. Risk & Fraud Coordination

Maintain effective communication and coordination with relevant internal teams and external operational-level stakeholders regarding risk management activities, fraud incidents, transaction monitoring, and dispute-related matters.

Skills: Compliance, Teamwork, Administration, Microsoft Excel, Customer Service, Microsoft Office, Communication, Risk Management, Public Speaking, Microsoft Word