risk management manager, retail banking.

Job Summary:
Our client is a leading retail bank. Seeking a Risk Management Manager / AM to conduct real-time transaction monitoring and risk assessments, focusing on fraud detection and merchant credit scoring. This role involves performing due diligence investigations for new merchants, managing portfolio risk, and leading the implementation of system upgrades and new payment solutions.

Key Responsibilities:

• Monitor transactions in real-time to identify and assess risks, focusing on fraud detection and evaluating merchant creditworthiness.
• Conduct thorough due diligence investigations for new merchant onboarding and manage ongoing portfolio risk.
• Spearhead the implementation of system upgrades and the introduction of new payment solutions.
• Collaborate effectively with cross-functional teams, including IT, Compliance, and Customer Support, to facilitate smooth operational workflows.
• Stay informed on industry trends and evaluate emerging payment technologies to enhance operational efficiency.
• Lead and manage various ad-hoc projects aimed at process optimization and ensuring compliance with regulatory requirements.

Qualifications:

• Bachelor’s degree in Finance, Business, IT, or a related field.
• Minimum of 3 years of experience in payment acquiring, card schemes, or fintech operations.
• In-depth understanding of the credit card transaction lifecycle and the roles of various stakeholders.
• Hands-on experience with payment systems, API integrations, and data standards (ISO 8583).
• Understanding of international card network rules and associated fee structures.
• Advanced SQL/VBA skills for data analysis.
• Fluency in English and Chinese (Mandarin and Cantonese).