蚂蚁金服Ant International-Fraud Risk Operation Specialist (to B Product) (1 year contract)-Malaysia
任职要求
o Bachelor's and above degree, major in finance, business or related is preferred o A minimum of 1 year’s experience within fraud / financial crime investigation. Working experience in related industries including banks, payment institutions and consultancy firm would be preferred. o Demonstrated ability to successfully manage multiple priorities. Excellent stakeholder manag…
工作职责
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
负责支付风控，推动包括fraud rate，chargeback rate等在内的核心风控指标持续优化。 1、开发并优化欺诈模型、支付可信分、用户画像等模型； 2、搭建各业务环节的机器学习模型，并负责模型部署应用、维护、监控和升级迭代； 3、推动用户行为序列、消费能力、欺诈特征挖掘，并对数据挖掘结果进行评估和校验； 4、负责建模流程优化，提升模型开发和部署效率，降低模型维护成本； 5、研究前沿机器学习算法在领域的实践和应用。
• Monitor transactional data to identify suspicious patterns, emerging fraud trends and anomalies. • Design and maintain fraud detection dashboards, models, and rules using statistical and machine learning techniques. • Collaborate with product, engineering, and compliance teams to implement and fine-tune fraud detection. • Conduct root cause analyses on fraud incidents and provide actionable insights. • Develop reporting frameworks to communicate fraud trends, risk metrics, and investigation outcomes to stakeholders. • Continuously refine detection logic based on feedback and fraud evolution. • Support incident response teams in investigating and responding to fraud alerts. • Stay current with industry best practices and evolving fraud tactics.
• Monitor and analyse banking transactions and customer activities with bank systems. Identify suspicious patterns, unusual behaviour, and high-risk activities that may indicate money laundering, fraud, or other illicit activities. Review and document findings, including detailed analysis with supporting evidence. • Conduct investigations on identified suspicious transactions or activities. • Preparation/Filing of STRs to STRO, ensuring compliance with regulatory reporting obligations and timelines. • Handling of day-to-day TM alerts/matters and proactively monitor aging status of assigned TM alerts and reporting to Singapore Team. • Prepare insightful Management Information System (MIS) reports for internal and/or regulatory related reporting. • Provide guidance to junior members of the TM Team. • Provide assistance to TM Lead, as required. • Proactively identify opportunities to enhance and optimise the design of EDD rules, processes and frameworks to align with evolving business needs and regulatory expectations. • Stay abreast of the latest regulatory developments in AML/CFT and ensure our processes align with industry-leading practices and regulatory guidelines. • Proactively prepare for and navigate regulatory audits to ensure our TM framework and processes remains compliant. • Foster a collaborative approach within AML Team and other departments within the Bank. • Support AML Team in the execution of ad-hoc key AML/ CFT matters where required.
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.