Risk Operation Specialist

Company Overview:

PT Indicools Digital Nusantara business as a Payment Service Provider (PJP)

1. Role Summary

The Risk Operations Specialist is responsible for ensuring payment operational security, conducting KYC/KYB compliance verification, monitoring suspicious transaction activities, and supporting risk management and regulatory compliance. This role requires sharp attention to detail, a foundational understanding of fintech regulations, and the ability to leverage AI tools to drive work efficiency.

2. Key Responsibilities

• Merchant KYC/KYB Reviews: Conduct preliminary KYC/KYB reviews for Indonesian merchants, verify relevant information, and follow up on identified risk issues.
• Channel Registration & Filing: Support channel registration and filing activities related Company, including document preparation and progress tracking.
• Periodic Merchant Reviews: Conduct periodic reviews of existing merchants in accordance with company risk-control requirements, including website audits, business model assessments, transaction activity analysis, and operating condition checks.
• Risk Identification & Escalation: Assist in identifying merchant onboarding risks, abnormal transactions, fraud risks, and other business risks, ensuring timely escalation.
• Reporting & Documentation: Compile risk data, merchant records, review logs, and periodic risk reports.
• SOP & Checklist Maintenance: Support the preparation and updating of risk-control SOPs, checklists, and related materials in alignment with regulatory, channel, and internal management requirements.
• Additional Support: Perform other Indonesia-related risk and compliance support tasks assigned by the manager.

3. Requirements

• Education: Diploma or Bachelor’s degree or higher in Finance, Risk Management, Accounting, Law, Business Administration, or a related field.
• Experience: 1–3 years of experience in KYC, risk management, compliance, payments, fintech, banking, or merchant review.
• Domain Knowledge: Basic understanding of merchant KYC/KYB, AML/CFT, transaction risk, and fundamental risk-control processes.
• Preferred Background: Experience in payments, acquiring, e-wallets, payouts, lending, or other fintech sectors.
• Technical & AI Skills: Proficient in using AI tools to enhance work efficiency (including information research, document analysis, document processing, and workflow automation).
• Language Proficiency:
• Fluent in Bahasa Indonesia for local business environments.
• Able to read basic business, compliance, and system-related materials in English.
• Stronger English or Chinese communication skills are a distinct advantage.
• Soft Skills & Attitude:
• Responsible, proactive, and detail-oriented, with strong cross-functional communication and execution skills.
• Capable of providing timely feedback and driving issues through to closure.