Senior Executive, Fraud Investigator

Job Purpose Summary
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 and Accountabilities
• 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.