Job Description
This position is responsible for developing and optimizing risk control and anti-money laundering (AML) systems and processes within the company. The role involves conducting comprehensive audits on innovative business operations and products, while promoting the standardization and process construction of the company's risk control and AML framework. It requires analyzing data across multiple dimensions to identify and mitigate potential risks, ensuring compliance with both domestic and international regulatory requirements.
Key Responsibilities
- Design, implement, and continuously improve internal risk control and AML supporting systems and workflows.
- Conduct regular risk assessments and AML compliance reviews for new products and business models, ensuring alignment with regulatory standards.
- Monitor and analyze transactional data to detect anomalies related to money laundering, fraud, and other illicit activities.
- Utilize advanced analytical tools to trace the flow of funds, identify suspicious patterns, and clarify criminal methodologies.
- Collaborate with cross-functional teams to refine risk identification strategies and reduce systemic risk concentrations.
- Participate in the evaluation and optimization of AML monitoring models, including system updates and requirement validation.
- Maintain and enhance existing risk control systems, ensuring they meet evolving regulatory and operational needs.
- Document and communicate findings to stakeholders, supporting decision-making and risk mitigation efforts.
- Stay updated on regulatory changes and industry best practices to ensure continuous improvement of AML frameworks.
- Conduct in-depth analysis of user behavior, transactional patterns, and identity attributes to enhance risk detection capabilities.
Job Requirements
- Master's degree or higher in finance, risk management, data science, or related fields with a focus on compliance and regulatory frameworks.
- Minimum of 5 years of experience in risk control, AML, or financial compliance, preferably in a fintech or financial services environment.
- Proficiency in data analysis tools (e.g., Python, SQL, Tableau) and risk modeling software to support complex data processing tasks.
- Strong understanding of international AML regulations (e.g., FATF, OECD) and domestic requirements (e.g., China's Anti-Money Laundering Law).
- Excellent analytical and problem-solving skills to identify and address emerging risks in financial operations.
- Ability to develop and deploy risk scoring models, transaction monitoring systems, and compliance checklists.
- Experience with regulatory reporting frameworks and data governance practices to ensure compliance with legal standards.
- Proficient in English and Chinese for communication with global teams and local regulatory authorities.
- Strong attention to detail and ability to work independently under tight deadlines.
- Knowledge of machine learning techniques for predictive risk analysis and fraud detection.
- Experience with data visualization and reporting to present findings to non-technical stakeholders.
- Ability to collaborate with legal, compliance, and IT teams to implement risk control measures effectively.
- Excellent organizational skills to manage multiple projects and prioritize tasks based on risk severity.
- Proficiency in regulatory compliance frameworks and risk assessment methodologies.
- Experience with data privacy regulations (e.g., GDPR, China's Personal Information Protection Law) to ensure ethical data handling.
