About us:

Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We’re committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly.

Since 2013, we’ve helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step of the way. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards. 

Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We’re available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely.

The role in a nutshell:

We are looking for an experienced and driven OTC sales person to be a key part of our APAC OTC Sales Trading Team.

This is a pure "sales trader" role, needing a persistent business developer who enjoys finding new opportunities, signing new clients, and executing trades with precision and efficiency. You will handle the entire sales and trade execution process, from start to finish, focusing on growing Luno's business client base across the APAC region.

This role will be responsible for creating outreach plans, finding potential clients, negotiating detailed multi-product deals, and expertly helping clients through the setup process. You will also be responsible for understanding market dynamics, quoting competitive prices, and managing the execution of large block trades and complex hedging strategies. You must be a proven salesperson with a strong network of business contacts across APAC, comfortable selling complex financial products and good at explaining their value clearly. If you are excited by the sales process and know how to close deals and execute trades in a fast-paced environment, this job is for you.

Your mission will be:

- Qualify and onboard OTC Customers

• You’ll be an integral member of the sales team to identify customers who are actively searching for liquidity providers in both the USDT/IDR, BTC/IDR and other crypto space.
• Your primary focus will be on customers with large volume demands ($100k+ per week)
• Work with the Onboarding and Treasury Analyst teams to successfully onboard these customers

- OTC Trading Operations:

• Acting as the main point of contact for customers to execute large trades with them e.g. making and receiving OTC quotes to customers as well as sourcing counter-trades.
• Ensuring that any anticipated OTC trades are pre-funded or have adequate credit facilities available.
• Maintaining strong relationships with traders and institutional customers.
• Managing any OTC trade disputes and OTC Working Capital.
• Ensure the Analysts and back office are providing timely settlement through well-established and tech-enabled processes.

- Execution and Monitoring:  

• Execution of trades according to approved trading strategies.
• Execution of OTC trades and counter-trades.
• Execution of market counter-trades should match counter-trades fall through.
• Actively manage the Profit and Loss of the APAC OTC desk against P/L targets and risk limits.

- Trading Strategy Development:  

• Give input into trading strategies for FX and Crypto assets, with a focus on risk management and maximising profitability. 
• Develop and implement trading strategies tailored to the APAC market.

- Market Analysis:  

• Conduct in-depth analyses of digital asset markets to identify trends, opportunities, and potential risks.
• Stay informed about market news, regulatory changes, and other factors affecting digital asset prices.
• Collaborate with the Treasury team to incorporate any insights into decisions made across Luno.
• Ensure compliance with local regulations and internal risk management policies.

- Reporting and Documentation:  

• Ensure that Luno maintains accurate records of trades, P/L, risk, and performance metrics.
• Generate regular reports for stakeholders, summarising trading activities, performance, and market insights.

- Luno capacity build 

• Create high-level specifications for improvements to Luno’s Trading and Risk Systems.
• Give input into development of automated solutions. 
• Evaluate and motivate for improvement of the risk frameworks and risk models in order to adapt to changing market dynamics.

A little about you:

• Minimum of 2 years of trading experience within a brokerage or sell-side OTC trading desk in crypto (preferred), FX, equities or derivatives in Indonesia and/or other regions in APAC. 
• Multi-country experience is strongly preferred as there will be an opportunity to grow along with the Luno business. 
• Proven track record of onboarding and growing institutional client accounts, and exceeding sales targets.
• Derivatives arbitrage knowledge or experience would be a plus.
• Ability to adapt to a fast-paced and dynamic trading environment. 
• Compliance with regulatory standards and a commitment to ethical trading practices. 
• Strong attention to detail and accuracy in trade execution and documentation. 
• Excellent interpersonal and communication skills, a strong team player. 
• Friendly, transparent, articulate and driven to succeed. 
• A passion for crypto.
• Proficient in English and Bahasa Indonesia, both written and verbal

Preferred qualifications:

• Strong understanding of OTC trading, market structure, fiat infrastructure (e.g. local payment rails) and execution strategies.
• Familiarity with trading platforms and APIs.
• Strong client network in Indonesia and broader APAC region.

Life at Luno:

• Remote but reachable work policy gives you the freedom to choose between working from home or the office.
• Plus the option to buy and sell up to 5 days leave
• Improve body and mind, with excellent private medical insurance
• Access to Learnably and our additional learning platforms for your personal and professional development
• 6 months primary care-giver leave
• Paw-ternity leave for your furry friend
• Annual Inspiration Day in addition to your annual leave which increases based on your length of service! 
• A collaborative, friendly work community, with regular social events and virtual cooking, dancing, drawing and house planting classes hosted by our Lunauts
• Free lunch and snacks
• 0 fees up to a certain amount with Luno from the day you start.*

*Offer only available on Luno Instant Buy, not Luno Exchange.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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