Senior Executive, Fraud Investigator

We are seeking a senior fraud risk professional to lead transaction monitoring, fraud detection, and investigation across our payment services, including merchant acquiring and cross-border transactions.

This role is responsible for minimizing fraud losses, strengthening risk controls, ensuring regulatory compliance, and contributing to fraud strategy and system optimization while supporting business growth

Key Responsibilities

• Review daily user and merchant transactions, perform in-depth risk checks on the transaction monitoring system, and generate periodic risk reports.
• Review and investigate suspicious cases triggered by fraud detection rules; maintain high sensitivity to abnormal/fraudulent behaviors to minimize losses at an early stage and stay alert to emerging fraud trends.
• Analyze fraud patterns and maintain a fraud case database / fraud typology library; ensure all alerts are reviewed, resolved, and properly documented within defined timelines (SLA).
• Coordinate with relevant departments (e.g., Ops, Business, Merchant, Compliance) to collect supporting documents, invoices, and merchant-related information for investigation purposes.
• Handle and oversee fraud-related cases and disputes, ensuring proper documentation, evidence collection, and coordination with banks, partners, and relevant stakeholders.
• Develop and propose guidelines, procedures, and playbooks for fraud investigation and suspicious activity detection.
• Review and assess fraud risks across the user lifecycle, including eKYC, transaction behavior, and account activities..
• Design, test, and optimize fraud detection rules and scenarios; collaborate with Tech/Data teams to deploy rules and monitor performance post-implementation.
• Monitor and assess merchant risk behavior, especially high-risk segments (cross-border merchants, tourist-focused merchants, high-risk industries), and recommend appropriate mitigation actions.
• Contribute to the development and enhancement of internal policies, procedures, and risk control frameworks.
• Continuously identify gaps in current fraud controls and proactively propose improvements to enhance detection capability and operational efficiency.
• Prepare and deliver weekly/monthly fraud analysis reports, including fraud trends, key insights, and actionable recommendations.
• Perform other tasks as assigned by the Line Manager.

Requirements

• 5+ years of experiences in fraud risk, transaction monitoring, or risk operations (fintech, banking, payments intermediary services preferred)
• Proven experience in implementing and managing anti-fraud programs, including fraud rule design and optimization, the ability to identify, investigate, and mitigate various types of fraud risks.
• Experience in merchant acquiring, payment gateway, or cross-border payment environments is a strong advantage
• Knowledge and experience in the field of risk management at bank or financial organization, fintech or E-wallet company, understand core banking or E-wallet system.
• Strong understanding of payment systems, fraud patterns, risk controls
• Have knowledge and experience on fraud card/QR transaction/ Cross-border payment/ fraud rule building, monitoring tools, and case investigation
• Good skill to collect, analyze, evaluate and synthesize information, data analysis.
• Solid analytical thinking and strong problem-solving skill.
• Good communication skills and ability to work cross-functionally
• Ability to build trusted relationships at all levels.
• Ability to balance fraud risk control and business impact in a fast-growing environment