About TrueMoney
TrueMoney is a leading international fintech brand providing innovative payment and financial services across seven countries in Southeast Asia. With its user-friendly digital platform, extensive agent network, and comprehensive offline and online services, TrueMoney empowers millions of users to make easy, secure payments and enjoy a more convenient financial lifestyle.
Since its establishment, TrueMoney has grown to become the most popular digital financial application in the region, playing a central role in expanding access to financial services and improving quality of life for individuals and MSME communities.
TrueMoney is part of Ascend Money, a regional digital financial services company founded in 2013, which reached a major milestone by becoming Thailand's first fintech unicorn in 2021.
Job Description: International Risk & Fraud Assistance Director
Position Overview
The International Risk & Fraud Assistance Director is responsible for leading and overseeing fraud prevention, fraud operations, risk investigation, and incident response across multiple countries. This role ensures consistent risk standards, efficient fraud management processes, and alignment with regulatory requirements across all regional entities. The director will work closely with country teams, Compliance, Legal, Technology, and Security to strengthen the company's fraud-resilience capability and safeguard customers, partners, and business assets.
Key Responsibilities
- Lead regional fraud and risk strategy & governance for e-wallet, payments, and digital lending across all operating countries.
- Develop and enforce fraud & risk policies, standards, and playbooks aligned with AML/KYC, regulatory requirements, and enterprise risk frameworks.
- Oversee fraud and operational risk prevention for onboarding, lending journeys, disbursement, repayment, top-ups, cash-outs, transfers, and high-risk e-wallet activities.
- Perform risk assessments and control reviews for new products, features, and markets, identifying gaps and recommending mitigating controls.
- Monitor emerging risks and fraud trends, including identity fraud, ATO, mule networks, synthetic IDs, and transaction anomalies across regions.
- Supervise complex fraud investigations and ensure proper documentation, evidence handling, and regulatory reporting.
- Coordinate with country fraud & risk teams to standardize KPIs, dashboards, transaction monitoring rules, and case-handling processes.
- Lead major fraud and risk incident response, manage escalations, conduct root-cause analysis, and drive corrective and preventive actions.
- Partner with Product, Engineering, Security, Legal, and Compliance to design secure customer journeys and embed risk controls by design.
- Engage with regulators, law enforcement, and external partners for cross-border case resolution, intelligence sharing, and regulatory alignment.
Key Qualifications
- Bachelor's degree in Risk Management, Business, Finance, Cybersecurity, or related field; Master's degree preferred.
- Minimum 10+ years experience in fraud management, risk operations, or financial crime, with 5+ years in regional leadership.
- Required or Strongly Preferred Certifications:
- CFE Certified Fraud Examiner(highly preferred)
- CAMS Certified Anti-Money Laundering Specialist
- CRISC Certified in Risk and Information Systems Control
- ISO 31000 Risk Professional or equivalent
- Strong knowledge of AML/KYC, digital payments, lending, e-wallet, and financial services.
- Experience working with fraud detection tools, device intelligence, and transaction monitoring systems.
- Ability to lead international teams and manage cross-border challenges.
- Excellent communication skills and ability to present to executives and regulators.
- Strong analytical, investigative, and problem-solving skills.
- Experience working with law enforcement or regulatory bodies is an advantage.
Competencies
- Strategic Risk Thinking
- Fraud Investigation Expertise
- Crisis Management
- Cross-Cultural Leadership
- Decision-Making Under Pressure
- Stakeholder Management
- Data-Driven Analysis
- Integrity & Confidentiality
