About the Role

As a member of the Transaction Monitoring Team under Compliance, you will conduct ad hoc investigations, time sensitive blockchain analysis, and develop solutions and controls in line with the Company's Compliance Program. You will collaborate and work closely with with an experienced team of compliance members as well as stakeholders from operations, data and product to maintain the regulatory requirements as part of the Transaction Monitoring framework.

What You Will Do

• Investigate complex cases on-chain surrounding high risk exposures such as phishing, blockchain exploits, hacks, terrorism finance, , money laundering, sim swaps, ransomware and other activity associated with illicit use of blockchain technology.
• Utilize various blockchain analytics tools to trace the source and destination of funds, identify illicit activity, build cases, and construct an operating picture of threats.
• Formulate analysis to determine the risk and exposure and provide investigation reports and risk assessments in writing
• Conduct ongoing research on key categories of crime on the blockchain, and turn this research into valuable intelligence.
• Conduct sensitive and complex investigations on ad-hoc basis, such as assisting law enforcement requests
• Support the enhancement and implementation of controls and measures to mitigate on-chain risks and exposure

What We Are Looking For

• Practical experience with virtual currencies and blockchain analysis is a plus (preferably 1-2 years combined experience in this field); excitement to learn about these topics is essential.
• Practical experience and knowledge with blockchain analytics vendors and tools is a plus
• Experience as an investigator or analyst - either private or public sector;
• Consistent attention to detail.
• Good written and verbal communication skills in English, with the ability to communicate complex ideas effectively for technical and non-technical audiences, both verbally and in writing.
• Comfort operating in a fast-paced environment where priorities can change quickly.
• Ability to work collaboratively in a cross-functional team and with people at all levels in an organization.
• Commitment to supporting teammates and helping them accomplish their missions.

About The Role

We are seeking a detail-oriented and analytical Senior Fraud Analyst to join our team. You will play a crucial role in identifying, investigating, and preventing fraudulent activities. You will work closely with the Fraud Manager, Compliance Manager, Product Manager and other stakeholders to ensure the integrity and security of our operations.

What You Will Do

• Monitor transactions and user activity to identify suspicious patterns and potential fraud using SQL and analytical tools.
• Analyze data to detect trends and anomalies that may indicate fraudulent behavior.
• Assist in investigating suspected fraud cases by gathering, analyzing, and documenting relevant evidence.
• Prepare reports and summaries of investigation findings for the Fraud Manager and related stakeholders.
• Support the development and improvement of internal controls and procedures to mitigate fraud risks.
• Maintain accurate documentation of fraud-related incidents and assist in preparing reports for the Risk Committee.
• Contribute to fraud risk assessments for specific products, processes, or business units.
• Assist in creating fraud awareness materials and testing fraud detection tools or systems.

What We Are Looking For

• Bachelor's Degree in business, finance, computer science, or a related field.
• At least 3 years of experience in fraud analysis, risk analysis, or a related field - preferably in financial services or financial technology.
• Proficiency in SQL for data querying and analysis.
• Familiarity with data analysis tools and techniques.
• Strong analytical and problem-solving skills.
• Ability to identify and analyze patterns and trends.
• Excellent attention to detail and accuracy.
• Strong written and verbal communication skills.
• Ability to work independently and as part of a team.

About The Role

This role supports day-to-day operational activities with a primary focus on KYC, KYB, and account-related reviews. You will be responsible for ensuring cases are processed accurately, compliantly, and within agreed SLAs, while working closely with checkers, supervisors, and cross-functional teams to maintain high service quality.

What You Will Do

• Review and process KYC, KYB, and account-related cases in accordance with internal policies and procedures
• Validate customer information and supporting documentation
• Identify discrepancies, potential risks, or missing information and take appropriate follow-up actions
• Manage assigned cases end-to-end, from intake through resolution
• Escalate complex, sensitive, or high-risk cases as required
• Maintain accurate and up-to-date records in internal systems
• Support account-related inquiries when operational capacity allows

What We Are Looking For

• 1–2 years of experience in operations, KYC, compliance, or a related function (preferred)
• Strong attention to detail with good risk awareness
• Ability to follow structured processes and consistently meet SLA targets
• Clear written and verbal communication skills
• Comfortable working with internal systems, tools, and dashboards
• Team-oriented, dependable, and able to work independently after onboarding
• Open to joining on a contract basis.

About the Job

We are looking for a Risk Operations Analyst to perform various merchant risk management activities at Xendit, including investigation of merchant-related risk alerts, reviewing and deciding on merchant requests for activating features and channels, updating transaction privileges, responding to risk-related queries from merchants and internal and external stakeholders, and managing other fraud-related operational matters.

The role requires a strong ability to independently assess the context of the situation and alerts, and apply sound judgment to decide the right course of action. This person needs to be proactive and have the acumen to apply risk management principles in varied situations. An ability to follow the standard operating procedures, owning the tasks and cases end-to-end, and the drive to bring cases to a conclusion will be important requirements for this role.

The role will involve communication with teams across Xendit and with external partners and merchants. There will also be multiple priorities to manage. Clear and precise communication skills will be required, as well as the ability to independently craft recommendations to senior stakeholders using risk protocols and SOPs instead of seeking constant direction.

Minimum Qualifications

• 2+ years of experience in risk management, fraud investigations, or fraud-related operations
• Understanding of risk concepts and experience with common risk metrics
• Ability to conduct basic data analysis and structure the investigations in a methodical way
• Ability to understand and follow the standard operating procedures and risk protocols
• Excellent communication skills and good English language skills
• Excellent communication skills with the ability to write clear investigation summaries and communicate decisions to internal stakeholders.
• Ability to work independently, take ownership, and drive cases from detection to closure with minimal supervision
• Demonstrated ability to own the tasks and drive to a conclusion

Preferred Qualifications

• Bachelor’s degree
• Experience with risk operations and conducting fraud investigations and assessments
• Experience using SQL to query databases or leveraging tools like Looker, Databricks, and Splunk for data exploration and investigations
• Familiarity with payment products such as Virtual account, QRIS, Cards, eWallet, BNPL, and other payment products
• Strong desire to learn and agility to apply basic concepts to multiple situations

Responsibilities

• Follow SOPs and conduct fraud and credit risk investigations triggered through alerts, dispute spikes, abnormal transaction behavior, and merchant risk signals.
• Monitor merchant performance and trends to identify high-risk merchants early and take appropriate mitigating actions to reduce fraud and chargeback exposure.
• Independently coordinate with internal and external stakeholders to drive investigations to closure, ensuring clear documentation, evidence collection, and decision traceability.
• Assess requests from merchants and internal stakeholders for enabling payment channels, features, and limits by performing risk assessment and recommending controls (limits, holds, enhanced monitoring, etc.)
• Follow the SOPs and manage daily fraud operations, including coordinating with multiple bank partners, internal stakeholders, and merchants.
• Collaborate with cross-functional teams (Operations, Compliance, Support, Merchant Success) to improve risk controls, SOPs, and preventive measures
• Do whatever it takes to make Xendit successful