AML & Fraud Assistant Manager, Lending

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Additional Information

Get to Know the Role This role serves as the end-to-end Fraud Strategy Policy Owner and AML/CFT Lead for OVO Finansial's lending products (PCA, MCA, and OPL), balancing loss mitigation with strict regulatory compliance. Responsibilities include maintaining fraud losses within OKR targets, ensuring compliance with POJK 12/2024, and overseeing all AML/CFT activities such as transaction monitoring, advisory, and policy formulation. Additionally, the position acts as the primary institutional spokesperson and point of contact for OJK and PPATK, directly managing audits, examinations, and mandatory regulatory submissions (including STR and SIPESAT). The Critical Tasks You Will Perform End-to-End Strategy: Define, implement, and maintain the fraud risk and AML/CFT policies for all lending products (PCA, MCA, PayLater), targeting risks like identity fraud, ATO, and money laundering (e.g., gestun , online gambling). Regulatory Compliance & Reporting: Own compliance with OJK/PPATK mandates (including POJK 12/2024); maintain the Anti-Fraud Strategy document, track mandatory data points, and manage all regulatory submissions (STR, SIPESAT). Regulator & Audit Interface: Serve as the primary point of contact for OJK and PPATK, leading audit preparations, handling examinations, and driving the remediation of any audit findings. Risk Assessment & Monitoring: Conduct pre-launch fraud risk assessments for new lending features to flag KYB/KYC gaps, and design monitoring dashboards/alert logic to detect emerging fraud patterns. Incident Management & RCA: Lead Root Cause Analysis (RCA) for fraud incidents, compile audit-ready evidence packs, and coordinate remediation across Fraud, Credit Risk, Collections, and Product teams. Partnership Due Diligence: Oversee comprehensive AML checks, PEP/sanctions screening, and Enhanced Due Diligence (EDD) on lender partners and corporate beneficial owners (BOD). 5+ years in fraud risk, AML/CFT, or financial crime strategy, specifically within Indonesian digital lending, fintech, or e-money. Fraud & Compliance Mastery: Deep knowledge of lending fraud typologies (e.g., identity fraud, ATO, NPL patterns) and local AML/CFT frameworks (PPATK, STR, EDD). Regulatory Liaison: Strong familiarity with OJK/BI/PPATK mandates (including POJK 12/2024 and SEOJK 19/2025) and experience handling audits or acting as a regulator spokesperson. Data & Policy: Ability to analyze fraud/AML metrics using SQL-based dashboards and translate data into actionable risk policies. Stakeholder & Leadership: Exceptional cross-functional communication skills to influence Product, Engineering, and Legal teams, and present risk positions to senior leadership. Language & Scope: Fully bilingual (Bahasa Indonesia/English) individual contributor (IC) capable of driving broad organizational impact. Life at Grab We care about your well-being at Grab, here are some of the global benefits we offer: We have your back with Term Life Insurance and comprehensive Medical Insurance. With GrabFlex, create a benefits package that suits your needs and aspirations. Celebrate moments that matter in life with loved ones through Parental and Birthday leave , and give back to your communities through Love-all-Serve-all (LASA) volunteering leave We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges. Balancing personal commitments and life's demands are made easier with our FlexWork arrangements such as differentiated hours What We Stand For At Grab We are committed to building an inclusive and equitable workplace that provides equal opportunity for Grabbers to grow and perform at their best. We consider all candidates fairly and equally regardless of nationality, ethnicity, race, religion, age, gender, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique.

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