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Full-time
bachelor degree
Posted 11d ago
~40 hrs/week
Responsibilities
The Fraud Risk Ops Lead will conduct end-to-end fraud investigations, analyze transaction data, and manage incident responses to protect digital products. They will also lead the fraud operations team, mentor junior staff, and develop governance frameworks to ensure regulatory compliance.
Requirements
Candidates must have at least 5 years of experience in fraud operations, AML compliance, or risk management within digital or financial sectors. Proficiency in SQL, data analysis, and a strong understanding of fraud typologies are essential for this role.
Full job description
About Amartha
Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.
About the Team
Digital Product Risk Management team is responsible for protecting the integrity, security, and trust of the company’s digital products and services. The team manages fraud operations end-to-end, including fraud monitoring, investigations, case handling, incident response, and regulatory compliance related to fraud risk management.
Working closely with internal stakeholders such as Operations, Compliance, Product, Customer Service, and Technology, the team focuses on identifying emerging fraud patterns, minimizing financial losses, ensuring regulatory adherence, and strengthening fraud prevention controls across digital platforms and user activities.
This role is suited for someone who is analytical, detail-oriented, operationally disciplined, and comfortable handling complex fraud cases in a fast-paced digital product environment.
Responsibilities
Conduct end-to-end fraud investigations involving digital product transactions, account activities, onboarding anomalies, abuse patterns, social engineering cases, and unauthorized activities.
Analyze transaction data, behavioral patterns, device indicators, and account activities to identify suspicious or fraudulent behavior.
Perform fraud case handling, evidence gathering, documentation, and escalation in accordance with internal procedures and regulatory requirements.
Support fraud monitoring activities and assist in identifying emerging fraud trends, typologies, and operational vulnerabilities.
Collaborate with internal teams including Compliance, Operations, Customer Support, Product, and Engineering to resolve fraud-related incidents and improve controls.
Collaborate with internal teams including Fraud Risk Analyst, Compliance, Operations, Customer Support, Product, and Engineering to resolve fraud-related incidents and improve controls.
Prepare investigation reports, suspicious activity documentation, root cause analysis, and management summaries.
Assist in developing and refining fraud detection rules, investigation workflows, and operational procedures.
Participate in incident reviews, fraud risk assessments, and process improvement initiatives.
Maintain proper case management records and ensure timely resolution of assigned investigations.
Build governance framework to meet regulatory requirements and ensure compliance in system, policy, and business
Lead Fraud Risk Ops team and mentor junior team members in fraud domain knowledge
Minimum 5+ years of experience in fraud investigation, fraud operations, AML/fraud compliance, risk operations, or related fields within digital products, fintech, technology platforms, e-commerce, banking, or financial services.
Good knowledge in Microsoft Excel, SQL, and data analysis for fraud investigation purposes.
Strong understanding of fraud typologies, including account takeover, social engineering scams, identity fraud, abuse activities, onboarding fraud, and unauthorized transactions.
Experience handling fraud investigations and operational case management independently.
Familiarity with fraud monitoring systems, transaction analysis tools, and case management platforms.
Knowledge in regulatory and compliance requirements related to fraud risk management and digital platform operations is a plus.
High attention to detail, strong sense of accountability, and ability to manage multiple investigations simultaneously.
Experience in technology companies, fintech, e-commerce, or digital platform environments is strongly preferred.
Bachelor’s degree in Finance, Accounting, Criminology, Information Systems, Business, Law, or related fields preferred.
At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.
We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.
Empowering entrepreneurs & communities with responsible capital & beyond that build resilience & lasting impact
Industry
Financial Services
Company size
5,001-10,000 employees
Founded
2010
Headquarters
Jakarta Selatan, Jakarta
LinkedIn followers
181,769
Total funding
$432M
Founded in 2010, Amartha Financial (Amartha) delivers technology-driven financial services to grassroots users in Indonesia.
As of 2026, Amartha has served more than 3.7 million women-led MSMEs across over 50,000 villages, deploying over USD 2.2 billion in working capital with the support of global impact investors such as Accion, Women's World Banking, and IFC.
Amartha’s integrated financial services enable women-led MSME to scale businesses, increase income, build assets, and strengthen long-term resilience. Offerings include working capital financing, digital payments that expand market access and reduce transaction costs, and micro-investment products that support asset accumulation. This model has contributed to strengthening income stability and economic resilience at scale.
Since 2024, Amartha has hosted the Asia Grassroots Forum, an annual regional convening bringing together high-level policymakers, investors, financial institutions, and technology leaders to define what inclusive finance looks like across Asia. Through Amartha.org, the company also engages in efforts to drive impact further.
Together, we are setting the standard for grassroots finance in a digital age, and building a world-class team to take it further. https://career.amartha.com
Offices: Jl. TB Simatupang No.18, RT.2/RW.1, Cilandak Barat, Kec. Cilandak, Jakarta Selatan, Jakarta 12430, ID
Micro and small business lendingalternative investmentsbig data credit scoringtechnologyfintechwomen empowermentimpactinvestingtechnologycompanyand grassroots
How many Technology jobs are open in South Jakarta, Indonesia right now?
There are currently 138 open technology positions in South Jakarta, Indonesia listed on Clera. New openings are added daily as companies post roles.
Which companies are hiring for Technology roles in South Jakarta, Indonesia?
Companies currently hiring include Sun Life, PT. Intikom Berlian Mustika, Tech Data APAC, Asian Technology Solutions, Amartha Financial, among others. Browse the listings above to see every active employer.
Are there remote or hybrid Technology jobs in South Jakarta, Indonesia?
Yes — 18 of the 138 open technology positions offer remote or hybrid work (4 remote, 14 hybrid).
How do I apply for Technology jobs in South Jakarta, Indonesia?
Each listing links directly to the employer's application page. Apply early — fresh listings get the most recruiter attention in the first two weeks.