Senior Risk Management (Operational & Fraud Risk)

JOB DESCRIPTION
Develop, implement and improve operational risk management tools, including Loss Data Collection (LDC), Risk and Control Self-Assessment (RCSA) and Key Risk Indicators (KRIs).
Conduct risk assessments of payment processes, merchant/partner activities and operational changes; identify control gaps and recommend mitigation measures.
Analyze transaction data and monitoring reports to identify unusual patterns and potential fraud; recommend improvements to monitoring rules, alert thresholds and preventive controls.
Investigate fraud cases and operational risk incidents in coordination with relevant teams; assess potential losses, identify root causes and track corrective actions.
Conduct risk-based KYC/KYB reviews and merchant/partner due diligence; recommend risk classifications, onboarding conditions and ongoing monitoring measures.
Provide risk assessments and recommendations for merchant/partner disputes, working with Operations, Business and Legal/Compliance teams on resolution.
Review new products, services and material changes before implementation; provide independent risk opinions and follow up on required controls.
Develop and update risk management policies and procedures for e-wallets, payment gateways, collection and disbursement services, remittance and cross-border payments, in coordination with relevant teams.
Monitor the effectiveness of risk controls and the implementation of mitigation plans; escalate significant risks, incidents and overdue actions.
Prepare periodic and ad-hoc risk reports, highlighting key exposures, incident trends, control weaknesses and recommended actions.
Issue fraud risk alerts and provide practical guidance to internal teams and customers on emerging fraud patterns and preventive measures.
Coordinate assigned risk initiatives and provide technical guidance to junior team members when required.
CANDIDATE REQUIREMENTS
Bachelor's degree in Banking & Finance, Business Administration, Information Systems or a related field.
At least
3 years of experience in a similar role at a fintech company, payment service provider, bank, or financial institution.
Practical experience with digital payment products or services, such as e-wallets, payment gateways, collection and disbursement services, card payments, remittance or cross-border payments.
Hands-on experience in developing or implementing risk management tools such as RCSA, KRIs and loss/incident reporting.
Ability to independently conduct risk assessments, investigate incidents, analyze root causes and recommend practical controls.
Understanding of payment transaction flows, merchant/partner risks, KYC/KYB processes and common fraud patterns.
Strong analytical skills and proficiency in Excel;
experience with SQL, BI tools or transaction monitoring systems is an advantage.
Strong communication and report-writing skills, with the ability to explain risks clearly and work effectively across teams.
Ability to read professional documents, prepare reports and communicate in English.
Experience in remittance or cross-border payments is an advantage.
BENEFITS
Attractive salary and performance-based bonuses
Comprehensive annual bonuses to reward your contributions
A vibrant, young, and dynamic work environment
Enjoy a free, delicious lunch every day
Exciting events & activities: company trips, team-building, and parties
Opportunities for continuous professional development through regular training
Annual performance evaluations to recognize your achievements and growth
Full participation in social insurance, health insurance, unemployment insurance, and regular health check-ups organized by the company
Exclusive health insurance coverage for management-level employees
Office location
: Tay Ha Building, 19 To Huu Street, Thanh Xuan Ward, Hanoi
Working hours
: Monday to Friday ([protected info]); 2-3 Saturday mornings on an alternating basis (remote work).