Risk Analyst

The Risk Analyst will focus on ensuring an adequate control environment in line with the stated Risk Appetite statement, working closely with functional teams within the enterprise and with risk teams. This person will play a key role and be a part of the regulated risk function that oversees and defines the risk culture within the enterprise through a number of key risk activities.

The position is responsible for managing new corporate customer credit risk with a view of balancing the risk and return. You must ensure customer business activities are in line with our company policies and customer financial exposure is properly assessed and controlled within acceptable limits.

The position is the contact point for the regional sales team on new applications and may handle request raised from existing customers. You will work with our merchant monitoring to ensure ongoing assessments and that any customer risk is maintained within company risk appetite.

The role of Risk Analyst includes assisting the risk function in the following areas:

• 商户承销
• 商户监控
• 减少欺诈
• 审计
• 合规性

主要职责

• Underwrite new merchants / corporate customers and determine the associated risks and required security deposit.
• 在尽职调查和遵守支付行业准则的背景下评估业务模式。
• 确保业务活动符合其合同协议，并确保所持押金充足。
• 支持对现有商业账户所做的更改，包括添加/关闭商户识别码和结算上限的风险决策。
• 与销售运营和销售部门合作，有效支持客户登机流程。
• Ensure documentations are valid and accurate.
• 确保遵守银行卡协会和中央银行的规定。
• 管理与其他部门和合作伙伴就流程审查和控制以及风险管理和合规查询的内部联系进行的沟通。
• 每月报告。
• Perform periodic review of the portfolio.
• 协助编写风险委员会文件。
• 协助对职能进行审计
• 协助欺诈侦查职能和交易监控。
• 协助建立和更新风险与流程分类标准
• 根据风险偏好，协助建立风险和控制框架以及风险全域。
• 支持管理层维护和改进风险管理政策和程序。

经验和要求

• Third-level degree qualification is preferable at Certificate, Diploma or Degree level or equivalent.
• 3 years experience in the payments/acquiring business or in the risk management of online eCommerce business in the Asia Pacific market.
• 具有正式风险评估方法的经验。
• Experience with KYC and AML functions.
• 能够以书面和口头形式与公司内部各职能部门、客户、合作伙伴和银行卡计划进行有效沟通。
• 精通计算机，尤其是 Microsoft Excel、PowerPoint 和 Teams。
• 了解财务报表
• 团队合作
• 注重细节
• 积极主动