蚂蚁金服Ant International-Finance Operation (Relocate To Brazil)-Finance
任职要求
1. Accept long-term assignment to Brazil. 2. Minimum of 3 years relevant working experience in fund management, with comprehensive financial accounting knowledge; Degree or major in accounting and finance, knowledgeable in international payment, collection and settlement business, working experience in global banks, payment companies or corporate treasury preferred. 3. A fast learner, able to adapt to rapidly developing and changing working environment, with great teamwork and communication skills. 4. Clear mindset and innovative, and be able to actively coordinate or lead the implementation of the responsible projects from fund management point of view. 5. Always practice customer first and strong risk awareness on issue analysis and a comprehensive solution taking in priority and corresponding escalation when required to. 6. Proficient in Chinese and English listening, speaking, reading and writing as the job requires to liaise with Chinese speaking counterparts.
工作职责
1. Daily responsibilities on entities wise transactional and account level reconciliation on banks and acquirers, investigate and resolve on settlement discrepancies, working closely with customer service on case handling, other supporting functions including but not limited to charge back, refund, and wallet withdrawal. 2. Daily monitoring on incoming fund and ensuring sufficient liquidity, on time settlement and remittance to merchants, compliance to safeguarding requirement. 3. Proper documentation of the responsible entities’ process and SOP, monthly reporting or whenever required to on regulatory, financial, MDR and CFTB. 4. Review and align on the operational process, perform analysis and identify area of improvement on system enhancement, process excellence, revise SOP etc. ensuring operation is compliance with country regulation. 5. Cross departments collaboration with business, technology, product and soon to support new project and new channel going LIVE. 6. Build internal capabilities accordingly.
With Ant's globalization strategy to provide excellent online payment service to SME clients, the candidate should have sense of global business development and strong sensitivity on online Payment and Finance Risk management operation areas. You would have the chance to design the end-to-end Risk Management operation solution about SME clients’ Onboarding and the day to day transition risk monitoring. To better achieve the risk management strategy, you would have the chance to work with the expertise globally to demonstrate how to better mitigate risk during onboarding review and transaction monitoring, and balance customer experience and risk control. At the same time, we would expect you to leading local risk operation systems establishment to facilitate the business growth in a health way. Responsibilities: 1.Understand business and internal product and process,to ensure the Risk operation excellent. 2.Design fraud and AML risk cases investigation method and prepare related for training to Risk team as well as business team. 3.Conduct Customer Due Diligence background investigations in adherence with fraud risk policy and compliance. 4.Work closely with the team to analysis the risk characteristics, customer experience pain points in a systematic way and establish the internal library of Customer Risk Profile. Provide knowledge feedback to risk policies/strategies team to improve operational efficiency and customer experience. 5.Monitor the operation system efficiency, and prepare intelligence reports / circulars for management's review. 6.Coordinate or collaborate with business units to solve the fraud and AML risk case, ensure the business comply with local requirement. 7.Support other ongoing customer risk management solution, including but not limit to, periodically account review, Enhance Due Diligence, etc.
Handle end to end finance related matters for the partnering with payment partners/banking institutions to support business requirements, including (but not limited to): • Contribute to the assessment process for partners onboarding and contractual terms review； • Provide requirements and coordinate with relevant teams (business, product, technology etc.) for the development/enhancement of internal system capabilities for computation of related fees (where required); • Assist with configuration and testing (UAT) of system functionality for the implementation of financial system integration solutions； To design and implement standard operation procedure surrounding operational processes relevant to the onboarding of partners/solution providers. Take ownership to proactively identify risks in the existing systems and processes to implement the necessary controls and improvements to minimize and mitigate risks through the collaboration with the relevant teams. Monitors and analyzes cost performance partners, providing support on data analysis and reporting of related cost (as required). Participate in operational/business initiatives for any enhancement as required.
• Perform fee reconciliation with card scheme billing and invoice to ensure accuracy and evaluation of any discrepancies. • Monitors and analyzes cost performance of interchange and scheme fee, providing support on data analysis. • Participate in the development, optimization & documentation of operational processes. • Other related duties assigned as needed.
Within International Risk Management, the B+ Risk Management team is responsible for identifying and managing risk across all to B product processes and countries at Ant International. We’re looking for a Fraud Risk Operation Specialist who has practical experience in handling different types of fraud cases, strong sense of the business, and want to be a part of the evolution for the next generation of risk management. This role will mainly support the Worldfirst EMEA region to conduct investigation and mitigate the risk of transaction fraud, scam, abuse and account take-over, as well as balance user experience. Responsibilities o In depth understanding of merchant collection, cross-border FX transfers and international payments business, ensure the safety of merchant account and support business growth o Monitor real time queues and identify high risk transactions and activities within the business portfolio o Review customer transactions to identify fraudulent activity, and resolve queued investigation tasks within the service level agreements to reduce potential revenue loss o Identify gaps in current SOPs, policies and strategies, recommend enhancements based on the assessment of risk cases, and take actions to mitigate emerging fraud risks with guidance from managers o Maintain effective relationships with front office staff and risk functions, liaise with cross function teams on joint investigations o Extract and analyze data, generate metrics and perform analysis leverage Ant risk capabilities