Attention to DetailAuditingCommunicationDispute ResolutionDue DiligenceLeadershipLitigationMicrosoft OfficeOnboardingStakeholder Management
Deskripsi
Deskripsi pekerjaan Risk Management & Litigation Department Head PT Ionpay Networks
Job Description
Lead and oversee the Risk Management and Dispute Resolution functions, ensuring effective risk governance, fraud prevention, transaction monitoring, and timely resolution of payment-related issues.
Develop and maintain the company’s Risk Management Framework, including risk appetite, policies, SOPs, risk parameters, KRIs, and control mechanisms.
Lead fraud detection and transaction monitoring, including fraud rules, risk scoring, transaction review, and mitigation of suspicious or abnormal transactions.
Oversee merchant risk management, including merchant onboarding assessment, ongoing monitoring, Enhanced Due Diligence (EDD), risk reviews, and suspension or termination of high-risk merchants.
Assess risks related to new merchants, products, payment methods, channels, and business initiatives, and provide recommendations to management.
Monitor key risk indicators such as fraud ratios, chargebacks, complaints, suspicious activities, and merchant risk exposure.
Lead investigation and resolution of fraud, transaction disputes, and payment-related incidents, coordinating with merchants, acquiring banks, payment partners, and internal teams.
Act as the central escalation point for merchant and transaction-related complaints, ensuring issues are investigated and resolved within SLA, regulatory requirements, and internal policies.
Oversee end-to-end transaction dispute and refund management across Credit Card, Virtual Account (VA), QRIS, E-Wallet, and other payment methods.
Coordinate with Legal, Compliance, Operations, Product, Technology, Finance, and Business teams on risk mitigation, investigations, and issue resolution.
Manage responses to law enforcement requests, investigations, summons, and regulatory inquiries, including incidents involving potentially illegal merchant activities.
Lead internal audits and regulatory examinations, including risk assessment, audit preparation, findings, recommendations, and follow-up actions.
Ensure the accuracy and integrity of merchant and risk-related data and reporting to support effective risk monitoring and regulatory compliance.
Requirements
Bachelor’s degree in Risk Management, Finance, Business, Law, Information Technology, or a related field.
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Minimum 7–10 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.
Experience in developing or managing risk frameworks, policies, SOPs, risk parameters, and control mechanisms.
Experience handling regulatory examinations, audits, law enforcement requests, and investigations is highly preferred.
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.
Strong leadership skills with the ability to build and manage a high-performing team.
High attention to detail, strong integrity, and a risk-aware and compliance-oriented mindset.
Proficient in Microsoft Office, data analysis, and risk monitoring/reporting tools.