Risk, Fraud & AML Analyst — HitPay

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WHY THIS ROLE EXISTS

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HitPay's risk surface spans card chargebacks across multiple acquirers, non-card rails (PayNow, FPX, QRPH, GCash, TouchnGo, etc.), partner onboarding fraud, the post-transaction tail that pre-tx vendors don't catch, and the full AML lifecycle — typology detection, transaction monitoring, STR/SAR filings, and regulator-facing obligations across SG/MY/PH/HK/AU/US.

We've built an automated detection stack that does the sweeping. What we need is a human in the loop who can investigate every exception, decide what's real, file what needs filing, and extend the toolset when a new typology shows up.

This is not a queue-clearing role. The automation produces the queue. You bring the judgment, the partner conversations, the regulatory filings, and the next piece of automation.

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WHAT YOU'LL OWN

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Daily investigation of every exception surfaced by the automated stack:

• Post-tx fraud signals across all acquirers and rails
• Bust-out, mule-ring, scam-proceeds, payout-redirect, and ATO patterns
• ATV outliers, chargeback spikes, reserve adequacy, partner abandonment
• Onboarding red flags surfaced before payments are enabled

AML lifecycle ownership

• Transaction monitoring across all rails — review alerts, escalate, close with reasoning
• STR/SAR drafting and filing across SG (STRO), PH (AMLC), MY (BNM), and any other jurisdiction we operate in
• Ongoing CDD reviews — periodic refresh, EDD for higher-risk partners, source-of-funds and source-of-wealth investigations
• Sanctions and PEP screening — adjudicate matches, document false positives, action true hits
• Typology calibration — when a new laundering pattern shows up, you're the one who recognises it and writes it up

Decision and action on every flag

• Payment/payout status decisions (suspend, hold, offboard, retain with monitoring)
• Reserve adjustments
• Partner outreach for SoF, SoW, business model clarification
• Coordination with regulators, scheme risk teams, and partner banks
• Closing every exception with a documented rationale

Tooling (this is the multiplier)

• When you see a typology the current stack misses, extend it or build a new detector for it
• Backtest every rule change against labeled good/bad cohorts before it goes live
• Every piece of automation you write is one fewer human-hour the team burns per week — that's the job

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• WHO YOU ARE
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Compliance, AML, and risk background, non-negotiable

• 4+ years in payments/fintech risk + AML, scheme-side fraud ops, or regulated FI transaction monitoring
• You've personally drafted and filed STRs/SARs — not just reviewed them
• Working knowledge of at least two of: MAS PSA, BSP MAL, BNM Merchant Acquirer, AUSTRAC, FinCEN MSB, FATF recommendations
• You can read a chargeback dispute, an unusual transaction pattern, or a partner's website and tell us in 60 seconds whether the partner is a target, a launderer, or a real business having an outlier month
• CAMS, ICA, or equivalent certification is a plus, not a requirement — we care more about the calls you've made

Technical, non-negotiable. You must be technical enough to

• Query the data warehouse directly — write your own SQL against Snowflake, no analyst middleman. You'll be doing this every day.
• Think in rules and thresholds — translate a typology you've spotted into a concrete, testable detection rule (signals, thresholds, edge cases, expected false-positive rate).
• Backtest before shipping — every rule change runs against labeled good and bad cohorts before it goes live. No exceptions. If you don't know how to set up a backtest, you're not ready for this role.
• Run and e