Anti Fraud & AML Lead
Job Description
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.
- 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.
More Info
Key Skills
Transaction Tracing
Data Analysis Tools
Regulatory Reporting Processes
Fraud Risk
Suspicious Activity Indicators
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