蚂蚁金服Ant International-Liquidity Management Product Manager-Malaysia
任职要求
1. Experienced in banking or international payment institution clearing and settlement operations. Familiarity with SWIFT and major domestic clearing systems 2. Having a deep understanding of international clearing networks such as SWIFT, SEPA, ACH, Fedwire, and RTGS, along with hands-on experience in channel integration projects, will be a strong plus. 3. Skilled in customer-focused product design, with an understanding of internet finance se…
工作职责
1. Design a liquidity management platform tailored to Ant International’s asset-liability structure and liquidity risk management framework, factoring in international foreign exchange regulations, industry regulatory trends, internet-specific requirements, and business growth objectives. 2. Apply industry best practices to plan and design the liquidity management platform; partner with the Treasury team to build an intelligent global cash management and allocation network that accurately reflects and supports Ant’s global funding operations. 3. Lead market, competitive, and feasibility analysis for the liquidity management platform within the international treasury ecosystem; clarify business requirements, design product solutions, and author Product Requirement Documents (PRDs). 4. Work closely with engineering teams and project managers to drive requirement implementation; oversee development progress from design through go-live operations, taking ownership of delivery timelines and quality
The business: Bettr is the digital lending business under Ant International, focused on providing inclusive financial services to micro, small and medium enterprises (MSMEs) in strategic markets through partners via embedded finance. By leveraging its innovation-led tech like AI and privacy-preserving computing to enable secure financing solutions, Bettr enhances the accessibility and ease of financing, unlocking growth opportunities for MSMEs. The role: The Treasury Manager - Bettr Liquidity Management is a key member of the business treasury team, looking after cash and liquidity management matters for the Bettr business. Key responsibilities: 1. Establish and improve liquidity management structures to support the Bettr business. 2. Manage cash flow forecast and ensure funding is provided to Bettr in a timely and efficient manner. 3. Drive negotiation of treasury contracts, in parcicular in relation to cash management, credit facility etc. 4. Overall manage available funding channels and costs for Bettr. 5. Ensure Bettr cash and liquidity are managed in line with A&I Treasury and internal control standards. 6. Drive digital transformation and automation of liquidity management processes and systems.
Role Overview We are seeking a highly specialized Enterprise Risk Manager to strengthen the second line of defense for our Luxembourg entity. The ideal candidate possesses deep expertise in Liquidity Risk, Reserve Asset Management, and Multi-Currency Digital Settlement Operations. You will oversee risk frameworks supporting high-volume, multi-currency transactions involving novel payment instruments, ensuring robust reserve adequacy, asset segregation, and alignment with emerging EU digital finance frameworks (e.g., MiCA) and CSSF requirements. Key Responsibilities 1. Liquidity & Reserve Asset Management (Core Focus) ● Design and implement a Liquidity & Reserve Management Framework tailored for digital asset issuance/redemption and multi-currency settlement activities. ● Oversee diversified reserve pools (fiat and digital reference assets), ensuring strict pegging mechanisms and adequate backing to support large daily transaction volumes. ● Conduct daily monitoring of on-chain and off-chain liquidity positions, managing risks related to asset valuation volatility, issuer solvency of reference assets, and network settlement finality. ● Develop Stress Testing & Contingency Funding Plans (CFP) simulating scenarios such as mass redemption events, reference asset de-valuation, or technical settlement disruptions. ● Challenge Treasury assumptions on reserve concentration, custodian risks, and fiat-to-digital conversion corridors. 2. Enterprise Risk & Regulatory Compliance ● Lead Enterprise-Wide Risk Assessments (RCSA, SIRA) with a specific focus on digital asset risks, including market volatility, liquidity gaps, and technology/cyber risks. ● Ensure prudential compliance with CSSF regulations and emerging EU digital finance frameworks, particularly regarding asset-referenced mechanisms and safeguarding of client funds. ● Act as the Second Line of Defense, independently challenging the Trading and Treasury teams on exposure limits, reserve adequacy, and reconciliation accuracy between distributed ledger data and internal ledgers. ● Define and monitor Key Risk Indicators (KRIs) such as: Reserve Ratio Deviations, Peg Stability Thresholds, Unmatched Settlement Volumes, and Custody Concentration. 3. Governance, Reporting & Strategy ● Prepare detailed risk reports for the Board and Regulators (CSSF), highlighting reserve composition, liquidity coverage ratios, and emerging risks in the digital finance sector. ● Foster a strong risk culture by delivering targeted training on digital asset mechanics, key management security, and liquidity stress scenarios.
1. Design blockchain-based financial systems aligned with business growth under international compliance frameworks, integrating Ant International's payment and fintech business characteristics. 2. Responsible for requirement analysis, feasibility assessment, and solution design for blockchain-based liquidity allocation products, delivering comprehensive Product Requirement Documents (PRD). 3. Establish standardized blockchain-based fund products, incorporating industry best practices to drive compliant customer-facing blockchain solutions for Ant's global operations. 4. Research industry blockchain service models and promote product commercialization and penetration. 5. Collaborate with technical teams and project managers to ensure efficient delivery of requirements. 6. Oversee end-to-end product development cycles from launch to operation, ensuring timeline adherence and quality control.