AML & Fraud Assistant Manager, Lending

End-to-end Fraud Strategy Policy Owner and AML/CFT Lead for OVO Finansial’s lending products, balancing loss mitigation with regulatory compliance. Responsible for maintaining fraud losses within OKR targets, ensuring POJK/PPATK compliance, and overseeing AML/CFT activities including transaction monitoring, advisory, and policy formulation. Serves as primary interface for OJK and PPATK, managing audits, examinations, and mandatory regulatory submissions (STR, SIPESAT). Leads risk assessments for new lending features, monitors KYB/KYC gaps, designs dashboards and alert logic, and coordinates remediation across Fraud, Credit Risk, Collections, and Product teams. Oversees AML checks, PEP/sanctions screening, and Enhanced Due Diligence on lender partners and corporate beneficial owners. Requires 5+ years in fraud risk/AML within Indonesian fintech, strong regulatory knowledge, data-driven policy development, and cross-functional collaboration.