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 (09:00 – 18:00); 2–3 Saturday mornings on an alternating basis (remote work).