We are seeking an Enterprise Risk Manager to join our Compliance Department in a Peer-to-Peer (P2P) lending environment. This role is responsible for managing enterprise-wide risks, with a strong focus on AML, CFT, Proliferation Financing (APU PPT) and Anti-Fraud Strategy, in compliance with OJK regulations and applicable laws.
The position will support risk governance, regulatory compliance, and sustainable business growth by ensuring effective identification, assessment, monitoring, and mitigation of financial crime and operational risks.
- Implement and maintain the Enterprise Risk Management (ERM) Framework in accordance with OJK requirements.
- Conduct Enterprise-Wide Risk Assessments, including AML/CFT and fraud risk assessments (customer, product, channel, geographic, and transaction risks).
- Develop, monitor, and report Key Risk Indicators (KRI) and risk mitigation action plans.
- Support the implementation of APU PPT programs in line with OJK, PPATK, Holding's and relevant regulations, including BAU and ad-hoc reporting.
- Design, enhance and implement Anti-Fraud Risk Management strategies, including regulatory reporting relevant to P2P lending platforms.
- Identify emerging fraud typologies and assess the effectiveness of preventive and detective controls.
- Prepare risk and compliance reports for management, committees, and regulators.
- Support regulatory inspections, audits, and follow-up actions with OJK and other authorities.
- Review and contribute to risk, AML/CFT, and anti-fraud policies and procedures.
- Act as a risk advisory partner to business, product, and operations teams.
Job Requirements:
- Bachelor's degree in Finance, Accounting, Economics, Law, Risk Management, or related fields.
- Professional certifications in anti-fraud is a must (e.g. CFE, CFrA, CAFM or similar)
- Minimum 35 years of experience in risk management, compliance, AML/CFT, or fraud within financial services, fintech, or P2P lending.
- Strong understanding of OJK regulations, APU PPT requirements, and fintech/P2P compliance.
- Solid knowledge of AML/CFT, fraud risk management, and enterprise risk frameworks.
