Head of Operational Risk (Payment)

KEY RESPONSIBILITIES
Develop and maintain the Operational Risk Management Framework, including policies, methodologies, risk appetite, tolerance thresholds, and escalation processes.
Lead the implementation of key risk tools such as RCSA, KRIs, loss data collection, and risk event management.
Conduct operational risk assessments for new products, services, processes, and material business changes.
Assess risks across the payment lifecycle, including merchant/partner onboarding, transaction processing, collection/disbursement, reconciliation, settlement, refunds, and disputes.
Evaluate risks related to banks, payment partners, service providers, and other third parties and recommend appropriate controls.
Develop and enhance fraud and transaction risk policies, monitoring rules, alert thresholds, and transaction limits.
Oversee suspicious transaction analysis, fraud investigations, complaints, disputes, and loss mitigation activities.
Manage operational risk events, incidents, losses, near misses, root cause analysis, and remediation tracking.
Develop risk dashboards and reports, identify emerging risks and control weaknesses, and provide recommendations to senior management.
Lead and develop the Risk &
Fraud team, strengthen risk culture, and promote data analytics and automation in risk management.
QUALIFICATIONS &
EXPERIENCE
Bachelor's degree in Finance, Banking, Economics, Business Administration, Information Systems, or a related field.
Minimum
5 years of risk management experience
, with hands-on exposure to Operational Risk and/or Fraud Risk in fintech, payment, banking, or financial services.
At least
2 years of team leadership or risk program implementation experience
.
Practical experience with payment products such as e-wallets, payment gateways, collection/disbursement, card payments, or cross-border remittance.
Hands-on knowledge of RCSA, KRIs, risk events, loss data collection, remediation tracking, and payment risk assessment.
Good understanding of payment flows, merchant/partner risks, KYC/KYB, fraud patterns, transaction monitoring, and relevant SBV regulations.
Strong analytical, root cause analysis, stakeholder management, and cross-functional coordination skills; proficiency in Excel, with SQL/BI as an advantage.
Professional English proficiency, high integrity, sound judgment, and the ability to balance risk management with business objectives.
WHY YOU'LL LOVE WORKING HERE
Compensation &
Rewards
Competitive salary, negotiable based on capability and aligned with market standards.
Year-end bonus based on the Company's business performance and individual performance.
Salary review 1-2 times per year based on performance and contribution.
Regular awards and recognition for outstanding individuals and teams.
Benefits &
Health Care
Lunch allowance via meal coupons (VND 40,000/day) redeemable at the canteen.
Free motorbike parking.
Full statutory insurance coverage in accordance with labor regulations (social, health, and unemployment insurance).
Health insurance for Lead level and above, with support for family member coverage.
Annual health check-ups.
Work Environment &
Culture
Company trips and team-building activities twice a year, along with regular team engagement programs.
Opportunities to participate in training, capability development programs, and internal cultural activities.
A variety of sports and wellness clubs supporting physical and mental well-being, including football, swimming, badminton, billiards, cycling, and more.
Annual leave: 12 days per year.
Working hours: Monday to Friday ([protected info]); 2-3 Saturday mornings on an alternating basis (remote work).