Job Description

Lead and oversee teams of Fraud Operations and AML Agents, ensuring effective execution of daily operations.
Own and enforce Fraud & AML operating procedures (SOPs), ensuring alignment with applicable Bank Indonesia, OJK, and PPATK requirements.
Oversee day-to-day fraud detection operations, including monitoring rule-based engine alerts, tuning thresholds, and escalating confirmed cases.
Own transaction monitoring and suspicious activity reporting workflows to support effective AML operations.
Lead end-to-end investigations of fraud and money-mule cases, covering evidence gathering, root-cause analysis, case resolution, and audit-trail documentation.
Partner with Product, Business, Marketing, and Operations teams to review and strengthen preventive controls, including velocity checks, device fingerprinting, and eKYC.
Coordinate case escalations with Legal and Customer Service teams, as well as law enforcement authorities when criminal referral is required.
Ensure consistent and well-documented case handling, supporting effective fraud prevention, AML compliance, and operational risk management.

Requirements

Bachelor's degree in Criminology, Finance, Accounting, Law, Information Systems, or a related field.
5+ years of experience in Fraud Risk, AML, Transaction Monitoring, or Banking Operations.
Hands-on experience handling scam and Account Takeover (ATO) cases, with interbank coordination experience preferred.
Familiarity with the BI-FAST ecosystem and regulatory reporting processes.
Strong analytical and transaction tracing skills, with the ability to interpret transaction logs, system alerts, and identify suspicious transaction indicators.
Solid understanding of scam typologies, fraud patterns, AML principles, and suspicious activity indicators.
Proficient in Excel and data analysis tools, with strong attention to detail and the ability to work accurately under tight regulatory SLAs.
Demonstrated leadership, communication, coordination, urgency, and accountability, with the ability to manage priorities and collaborate effectively in a fast-paced, highly regulated environment.

Anti Fraud & AML Lead