蚂蚁金服Ant International-Risk Operation Specialist (SEA To B Payment)-Malaysia

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.

We are aiming to leverage AI and other leading technology and dedicated to provide safe and reliable risk control capabilities behind payments. The core technologies include rule engines, model engines, intelligent algorithm models, etc., We are the leading platform with capabilities of high concurrent real-time risk calculations and massive big data analysis and processing. And as the core risk management tech platform for global payment business, we adopt a multi-center deployment architecture around the world. Here you may have the opportunity to learn more about and participate in the design and development of the following aspects: 1. Ultimate computing optimization at the millisecond level. 2. Behavior analysis and risk mining under massive data. 3. Global multi-center system architecture planning and high-availability solution design. 4. Participated in the design of R&D of risk control systems and big data platforms. You will also have the opportunity to explore the architectural design and implementation of cutting-edge technologies such as privacy computing and large models in risk control systems.

1. 支持全球速卖通平台风险合规管控，负责产出周期性风险合规报告，分析欧洲业务风险合规事件、监督合规报告数据、评估分析风险异常情况； 2. 支持重点国家业务与相关国际监管部门的日常沟通、合规协查执行及突发合规事件处理。做到及时发现预警，准确传达监管诉求，并协调公司内外部资源合理应对 3. 从平台视角，以法律法规为基础，对合规体系进行建设及对各种业务场景进行合规评估，制定全链路合规治理方案，包括但不限于产品优化、主动/被动防控机制、投诉/申诉等，平衡体验与风险，确保平台欧洲范围内符合合规要求； 4.通过内外部工具关注重点国家业务商品合规动态信息，及时获悉并解读相关政策、法律法规和合规要求。并与法务定期评估重点国家商品合规情况，进行相应合规整改 5.良好的项目管理能力，整合产研资源，协同上下游各职能团队，推动重要风控项目落地实施，平衡风险合规控制和商业发展。 1. Risk and Compliance Management for AliExpress Platform: Responsible for overseeing risk and compliance controls, producing periodic risk and compliance reports, analyzing risk and compliance incidents in European operations, monitoring compliance data, and assessing and analyzing risk anomalies. 2. Daily Communication and Compliance Coordination with International Regulatory Authorities: Manage regular communication with regulatory bodies in key countries, execute compliance investigations, and handle sudden compliance incidents. Ensure timely detection and early warning, accurately convey regulatory requirements, and coordinate internal and external resources to respond effectively. 3. Compliance System Construction and Business Scenario Assessment: From a platform perspective, build a compliance system based on laws and regulations, assess compliance across various business scenarios, and develop end-to-end compliance governance solutions. This includes but is not limited to product optimization, active/passive prevention mechanisms, and complaint/appeal handling, balancing user experience and risk to ensure platform compliance across Europe. 4. Monitoring and Compliance Review of Key Countries' Product Compliance: Use internal and external tools to monitor product compliance dynamics in key countries, stay updated on and interpret relevant policies, laws, and compliance requirements. Collaborate with the legal team to regularly evaluate product compliance in key countries and implement necessary compliance improvements. 5. Project Management and Cross-Functional Collaboration: Demonstrate strong project management skills, integrate product and R&D resources, and collaborate with upstream and downstream functional teams to drive the implementation of critical risk control projects. Balance risk compliance control with business development objectives.

The Assortment, Content & Ads Governance Team (ACAG team) is part of the Lazada’s Risk and Security, and it is charged with the mission of developing a comprehensive strategy for Lazada with regards to assortment, so as to foster a healthy and safe e-commerce environment for our users. The role is responsible for developing and implementing proactive strategies and operational processes to protect users from Assortment and Content related risks (Prohibited and Controlled Goods, IP infringement products, hate speech etc). You will have access to analytical tools to develop and implement strategies and solutions using data driven methodologies to mitigate the risks associated with platform assortment and content. Responsibilities: - Develop a deep understanding of the eCommerce customer and seller journey, including registration and onboarding, product listing, order placement, payment, user interactions, returns and refunds, user reports and feedback, etc. - Develop subject matter expertise on eCommerce platform operation and governance, where rules, strategies, and enforcements are effectively established to ensure users are compliant with platform policies. - Lead cross-functional efforts to enhance platform policies and operational mechanisms, fostering a collaborative environment to support ongoing strategy refinement. - Work with large data sets to analyze patterns, trends, and modus operandi of platform operation and governance issues (as well as merchants who perpetrate these issues). - Make data-driven recommendations on prioritization of controls for platform governance and product compliance. - Collaborate with PD, Tech, and Algo counterparts to build machine learning models and rules to detect assortment and user related operation and governance issues on the platform. - Operate the risk engine, including the creation and continuous evaluation of rules to prevent and detect platform operation and governance issues. - Capture and communicate findings with internal and external stakeholders through dashboards, periodic reports, and presentations.