Job description

Governance & Process

Map end-to-end processes across product, ops, treasury, compliance & risk; identify gaps/redundancies/risks; drive standardization & automation; explore AI for process diagnosis.

Build a "business-compliance-control" three-lines model for cross-border payments; perform pre-launch control reviews for new products - balance speed and safety.

Establish KRI monitoring for treasury, AML, data security & merchant onboarding; use AI/big data for dynamic risk sensing and anomaly detection.

Execution & Partnership

Align internal control with HQ and local regulations; ensure consistent compliance across regions.

Lead or support audit issue remediation - root-cause, fix through process or tech (including AI tools), and track to closure.

Act as business advisor; upskill ops/BD/product teams via training and toolkits to strengthen self-risk management.

AI & Digitalisation

Embed control requirements into systems (not just policies) - collaborate with tech/product to embed controls into transaction monitoring, limit management, and automated approvals; build a digital control system; pilot AI in smart auditing and continuous monitoring.

Job Requirement

Job requirements：

1. Bachelor's degree or above in Finance, Accounting, Audit, Law, Information Technology, or a related field.

2. 8-15 years of work experience, with at least 5 years in risk advisory/internal control auditing at a Big 4 firm, or in internal control/risk/compliance roles within international payment institutions, banks, large internet companies, or fintech firms.

3. Preferred (plus) : Experience in cross-border payments, cross-border finance, or e-commerce platforms, with a solid understanding of cross-border fund flow regulations.

Core Competencies

Business acumen - Ability to deconstruct business models, quickly grasp cross-border payment product logic (e.g., FX rates, fund flow, settlement cycles), and identify root-cause issues through on-the-ground engagement.

Global perspective - Familiarity with overseas financial environments and regulatory frameworks is a plus. Fluent English as a working language, with strong cross-border communication and report-writing skills.

Project management & drive - Strong cross-functional coordination and stakeholder management capabilities.

Data analytics - Basic SQL or Python skills are a plus. Ability to leverage data tools (including AI) for risk insights, moving beyond sample-based testing.

Growth mindset - Adaptable in fast-paced, high-intensity environments, with a proactive and exploratory attitude towards uncertainty.

Resilience - Willing to travel frequently overseas and work effectively in multicultural settings.