工作內容
Overview:
The Senior Payment Risk Management Associate will lead merchant due diligence and KYC/KYB operations for Taiwan merchants, evaluate onboarding risks, and continuously monitor merchant risk profiles. The role requires practical experience in the Taiwan payments ecosystem and a solid grasp of e‑commerce business models. You will partner cross‑functionally to strengthen risk controls and drive operational improvements.
Key Responsibilities:
- Lead merchant due diligence (DD) and manage KYC/KYB processes for Taiwan merchants.
- Evaluate credit, AML, and other compliance risks for new merchant applications; provide decisive recommendations on onboarding.
- Maintain and periodically reassess merchant risk files and ratings; detect and track changes in risk indicators.
- Investigate suspected fraud, support ad‑hoc risk initiatives, and assist with compliance audits as required.
- Recommend and help implement process and product enhancements to improve onboarding and monitoring efficiency, including automation and rule tuning.
- Draft, update, and enforce risk policies, SOPs, and operational guidelines to ensure regulatory and industry best‑practice alignment.
- Collaborate closely with business, compliance, product, engineering, and other stakeholders to ensure timely and effective execution of risk decisions.
Qualifications:
- Bachelor’s degree or higher; degree in Finance, Risk Management, Accounting, Law, or related field preferred.
- 3–5+ years’ experience in financial services, payments, e‑commerce risk, or compliance; experience at a Taiwan‑based third‑party payment provider or bank strongly preferred.
- Deep understanding of Taiwan’s e‑commerce market dynamics and common business models, with the ability to identify business‑level risk drivers.
- Solid knowledge of KYC, KYB, AML, sanctions screening, and merchant fraud/credit risk detection methodologies and workflows.
- Meticulous, self‑motivated, and able to drive tasks to completion independently.
- Excellent cross‑team communication and stakeholder management skills; proven ability to work effectively with product, engineering, compliance, and business teams.
- Proficient in written and spoken English and Chinese (Traditional and/or Simplified) for bilingual business and compliance documentation.
- Data‑driven with strong analytical skills; advanced Excel proficiency. Experience with - SQL, data visualization tools, or risk platforms is a plus.
- Strong problem‑solving skills and systems thinking; able to balance compliance imperatives with business needs in a fast‑paced environment.
【What You Will Be Doing】
職務概述:
資深支付風險管理專員將主導台灣商戶的盡職調查與 KYC/KYB 作業,評估新商戶上線風險並持續監控商戶風險檔案。此職位需具備台灣支付生態經驗與對電子商務商業模式的紮實理解,並與跨部門夥伴合作以強化風險控制並推動營運改進。
主要職責:
- 主導商戶盡職調查(DD)並管理台灣商戶的 KYC/KYB 流程。
- 評估新商戶申請的信用、洗錢防制(AML)與其他合規風險;提供具決斷性的上線建議。
- 維護並定期重評商戶風險檔案與風險等級;偵測並追蹤風險指標變化。
- 調查疑似詐欺案件,支援臨時風險專案,並協助合規稽核相關事宜。
- 建議並協助實施流程與產品改進,提高上線與監控效率(含自動化與規則微調)。
- 撰寫、更新並落實風險政策、標準作業程序(SOP)與作業指引,確保符合法規與產業最佳實務。
- 與業務、合規、產品、工程等相關單位密切合作,確保風險決策能及時且有效執行。
職務條件:
- 大學以上學歷;財金、風險管理、會計、法律或相關科系尤佳。
- 3–5 年以上金融服務、支付、電商風險或合規相關經驗;有台灣第三方支付業者或銀行工作經驗者優先。
- 深入了解台灣電子商務市場與常見商業模式,能辨識商業層面的風險要素。
- 熟悉 KYC、KYB、AML、制裁篩查與商戶詐欺/信用風險偵測方法與作業流程。
- 工作態度嚴謹、積極自我驅動,能獨立推動任務完成。
- 傑出的跨部門溝通與協作能力;能有效與產品、工程、合規與業務團隊互動。
- 具中英書面與口語能力(繁體中文/英文),能處理雙語商務與合規文件。
- 具數據導向思維與良好分析能力;高階 Excel 能力為必要條件。具 SQL、資料視覺化工具或風險平台經驗者加分。
- 優秀解決問題能力與系統性思考,能在快速變動環境中平衡合規要求與業務需求。