About Flip:
Rafi, Luqman, and Anjar, who were college friends in Universitas Indonesia, started Flip as a project in 2015 to transfer payments to each other at a fraction of what banks would charge them. They are pioneers in the Indonesian market, with their technology now helping millions of Indonesians, both individuals and businesses, carry out bank-to-bank money transfers through a reliable and seamless app.
After nine years of operations, Flip has helped Indonesians transfer money worth several trillions of rupiah and has received double-digit funding from respectable investors such as Sequoia India, Insight Partner, and Insignia. Flip's ultimate mission is to give Indonesians access to one of the most progressive and fairest financial services in the world.
At Flip, we always strive to provide the fairest place for you to work, learn, and grow with talented and fun people in various opportunities to advance your career and get fair rewards. We believe that we have to treat employees, customers, and all stakeholders fairly and respectfully. Fair treatment for employees means we establish clear goals, facilitate our employees to achieve them, and value their contribution to the company with equitable benefits.
What You'll Do
- Perform end-to-end transaction monitoring, reviewing alerts, investigating anomalies, and escalating suspicious activity.
- Develop and refine AML monitoring rules and detection scenarios to enhance system accuracy.
- Conduct in-depth SQL-based transaction data analysis to identify red flags and financial crime patterns.
- Prepare and submit STR and other mandatory reports in compliance with Bank Indonesia and PPATK guidelines.
- Support and strengthen CDD/EDD processes, including customer risk assessments and periodic reviews.
- Stay current on AML typologies, regulations, and best practices.
- Maintain and develop procedures, documentation, and training materials related to AML compliance.
- Collaborate with Product, Operations, Data, and Legal teams to embed AML controls in business processes.
What We're Looking For
- 35 years of experience in AML, compliance, financial crime investigations, or fraud monitoring.
- Bachelor's degree in Information Systems, Information Technology, Law, Finance, or a related field.
- Strong understanding of AML regulatory requirements, including BI, OJK, and PPATK obligations.
- Proficiency in advanced SQL, data analytics, and data management to support transaction analysis and rule tuning.
- Ability to perform detailed transaction reviews, anomaly detection, and pattern interpretation.
- Experience supporting CDD/EDD, KYC processes, and customer risk assessments.
- Strong analytical and problem-solving capability with high attention to detail.
- Effective communication skills in Bahasa Indonesia and English, including the ability to prepare clear compliance reports.
- Familiarity with monitoring systems, risk scoring models, and AML tools is an advantage.
- Proactive, adaptable, and able to work independently while collaborating with cross-functional teams.
