苹果Internal Communications Intern - MD Office (Shanghai)

1、Develop the annual overseas internal control work plan, carry out internal control work in accordance with team goals, and assist in improving the company's internal control management system; 2、Responsible for developing and refining the company's overseas internal control policies, processes, and standards to meet legal, regulatory, and internal company requirements; 3、Conduct diagnostic analysis of business management processes, plan internal control projects, and oversee project processes and delivery quality; 4、Assess and monitor internal control risks related to overseas operations, promptly identify and correct issues; 5、Provide internal control training and guidance to help improve the business's risk prevention and control capabilities.

1. 业务流程梳理与架构治理 ➢ 流程标准化： 深入蚂蚁国际的产品、运营、资金、合规及风控全链路，负责端到端的核心业务流程梳理。识别业务断点、冗余环节及操作风险，推动业务流程的标准化、系统化与自动化。 ➢ 治理框架搭建： 结合蚂蚁的内控方法论与蚂蚁国际国际化特性，搭建适用于跨境支付场景的“业务-合规-内控”三道防线协同机制。针对新业务、新产品上线，进行前置的内控设计与评审，确保业务在“敏捷”与“安全”之间取得平衡。 ➢ 关键风险识别： 聚焦资金安全、反洗钱（AML）、制裁合规、数据安全及商户准入等高风险领域，建立关键风险指标（KRI）监控体系，实现风险的动态感知与预警。 2. 内控执行与跨域协同 ➢ 跨文化、跨区域协同：结合蚂蚁国际总部要求，完善框架的同时，针对海外本地市场的特殊监管要求，推动内控策略在当地的落地执行，确保满足当地监管局的合规要求。 ➢ 问题整改闭环： 主导或配合审计（内部审计、外审、监管检查）发现的问题，制定切实可行的整改计划。不仅止于“打补丁”，更要追根溯源，通过流程重塑或技术手段推动系统性改进，并跟进整改进度直至闭环。 ➢ 赋能业务： 跳出传统的“合规警察”角色，作为业务合作伙伴（BP），向业务管理层提供内控视角的决策支持。通过培训、宣导及工具输出，提升业务部门（运营、BD、产品）自身的风险自我管理能力。 3. 数字化内控与创新 ➢ 系统化落地： 推动内控要求从“制度文本”向“系统控制”转化。与技术、产品团队协作，利用大数据分析、风控引擎等手段，将控制措施嵌入业务流程（如交易监控、限额管理、审批流自动化），构建“不动刀子”的数字化内控体系。

1. Based on A&I lending business/embedded finance business strategy and relevant countries’ regulations, identify key risk areas as auditable units, establish risk-driven audit plan or ad hoc audit tasks; 2. Independently execute risk-based audit focusing key risks and controls within lifecycle of loan management and credit risk, communicate with management of problems discovered, provide effective and efficient action plans and validate the remediations; 3. Provide value-added services to business developments, cooperating with regulatory inspections, organizing related training and sharing with stakeholders as well as A&I internal audit team; 4. Able to establish continuous monitoring models to improve the efficiency of audit projects;

Job Summary This role is responsible for planning and executing risk-based audit assignments, assessing the effectiveness of internal controls and risk management processes, and providing practical recommendations to support business growth, operational resilience, and regulatory compliance. The ideal candidate will have experience in the second or third line of defense within the financial industry, strong knowledge of risk management and internal control methodologies, and the ability to thrive in a fast-paced, evolving, and high-growth environment. Key Responsibilities 1. Develop and execute risk-based audit plans for assigned entities and business areas in alignment with applicable regulations, internal policies, and business strategy; independently perform audit projects and report results to senior management and the Audit Committee/Board of Directors. 2. Understand the regulatory environment, business model, and strategic priorities of the assigned entities; identify key risks, assess the adequacy and effectiveness of internal controls, and evaluate risk management practices across major business operations. 3. Prepare high-quality audit reports that clearly articulate key observations, root causes, risk implications, and practical recommendations, in compliance with internal standards and local regulatory requirements. 4. Communicate audit findings effectively with management and relevant stakeholders; discuss issues constructively, agree on remediation plans, and validate the implementation and effectiveness of corrective actions. 5. Provide value-added support to business risk management through continuous monitoring, thematic reviews, support for regulatory inspections, and the organization of relevant training and knowledge-sharing initiatives. 6. Leverage data analytics and innovative tools to improve audit efficiency and coverage. Experience with or openness to using AI-based tools in audit planning, testing, monitoring, reporting, or workflow enhancement is highly appreciated. 7. Work closely with stakeholders across business and control functions, and support engagements with regulators and other external parties where needed.