Regional Risk Lead (APAC)

Risk Management · Singapore, Singapore
Department Risk Management
Employment Type Full-Time
Minimum Experience Manager/Supervisor

About Unlimint:

Founded in 2009,  Unlimint (formerly Cardpay) provides fast-growing innovative tech businesses with a convenient and simple business interface that enables payments to flow freely and invisibly. From London to Singapore and from San Francisco to Sao Paulo, we help local clients enter new markets, and global businesses to explore new industries and reach new milestones. Following the highest banking industry standards, we are dissolving the borders that have previously limited international expansion. Our constantly evolving business interface – made by innovators for innovators – is designed to make the financial world of tomorrow closer to businesses here and now.

About the role: 

Unlimint is looking for an experienced Head in Risk who will lead the Risk team in the APAC region.


Description of tasks:

  • Review of the merchant application and business, check for compliance with the Company strategies and policies, analysis and provision of outcome
  • Evaluation of risks pertaining to the merchant, including potential merchant’s business
  • Escalation of non-compliance cases with the Company policies to Executive Management
  • Escalation of AML/TF suspicion to MLCO in accordance with the Company’s internal regulations on AML reporting
  • Ongoing study and analysis of e-commerce and processing services
  • Provision of training to other employees as may be requested, on risk management and merchant underwriting; disputes handling fraud monitoring
  • Developing, review and updating of internal regulations regarding the merchant underwriting process
  • Provision of statistics and reports
  • Fraud monitoring and mitigation; advising of the internal and external stakeholders as to fraud monitoring issues and strategies
  • Disputes handling; advising of the internal and external stakeholders as to disputes handling process and risks mitigation
  • Managing the overall risks faced by the Company, with a particular focus on the Merchant side risks where fraud, dispute, Merchant identification and due diligence and funding/deposit risks are handled and monitored accordingly
  • Coordination with other departments and officers of the Company
  • Maintaining records of all Merchants and counterparties risk and limits involved
  • Updating the Company’s system/records on the Merchants
  • Improvement of the current and participation in the development of new systems and processes


Main duties and responsibilities:

  • Ensure duly performance of the Department’s (including the Department’s employees) duties, tasks, and responsibilities
  • Plan, organize and manage card schemes risks related activities within the Company
  • Communicate with the Card Schemes and counterparties (i.e., vendors/merchants)
  • Ensure merchant/sub-merchant underwriting and approval, setup of the Company’s and merchants’ security settings
  • Monitor and supervise (i) dispute resolution issues, (ii) fraud investigation issues, (iii) fraud mitigation, (iv) merchant settings and traffic analysis, (v) merchant underwriting and onboarding issues, (vi) transactions monitoring
  • Take measures to merchants’ high Chargeback level and Fraud Reports level, suspicious and fraudulent transactions level growth, unusual/unexpected suspicious or fraudulent activity, merchant’s account suspicious activity
  • Develop arrangements, processes, and mechanisms to identify, prevent, mitigate, and manage risks relating to the acquiring and issuing of payment instruments
  • Identify, prevent, mitigate, and manage risks related to merchants’ and counterparties’ operational, financial, reputational risks which can have an impact on Company’s or Card Schemes’ risks
  • Ensure the Company’s compliance with Card Schemes’ rules, procedures, and recommendations
  • Develop, implement, and update risk-related policies and procedures and where appropriate, set the level of risk tolerated by the Company
  • Evaluate new card issuing products and programs; provide professional opinions and suggestions, as well as develop risk-related measures suitable for every such product and program
  • Participate in the efficient development and improvement of technical systems, procedures, and processes utilized by the Company and communicate any suggestions to relevant functions (including IT, Compliance, AML, Risk, Accounting), as well as to the executive management

Main qualification, skills and experience:

  • At least 3-5 years of professional experience in the payments industry or experience working for an acquiring bank
  • Previous experience in team management
  • Bachelor’s degree in Finance/Economics or other related fields
  • Excellent attention to details
  • Excellent interpersonal and negotiation skills
  • Excellent customer service skills
  • Ability to work under pressure and meet tight deadlines
  • Advanced Excel skills
  • Fluency in English (Russian could be considered as a plus)

We offer:

  • Attractive monthly salary paid in line with experience
  • Vacation, sick, and paid holidays
  • Full-time: 5/2 (Saturday and Sunday days off)
  • Working place in one of our modern offices in Shanghai, Singapore or Hong Kong. 
  • A team of top international professionals to learn from
  • Multicultural working environment

Join Unlimint Team now!

Unlimint is an equal opportunity employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion or belief.

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  • Location
    Singapore, Singapore
  • Department
    Risk Management
  • Employment Type
  • Minimum Experience