Cermati.com
Branch Audit Associate
TLDR
Inspect branch acquisition, applications, transactions, and collections to uncover anomalies, document violations, and monitor corrective actions.
- Execute regional audit cycles effectively, efficiently, and within the designated timeframes.
- Identify consumer data related to the customer acquisition process to find indications of irregularities, anomalies, or potential fraud.
- Conduct direct field inspections of acquisition processes, applications, sales transactions, and collections performed by branch staff to ensure compliance with internal procedures and minimize business deviations.
- Gather information and supporting evidence to strengthen field findings and ensure complete chronologies are documented so all parties understand the violations and appropriate sanctions.
- Follow up on information received from both internal and external parties regarding work processes that do not comply with procedures.
- Communicate audit findings effectively to relevant parties, including branch managers, compliance teams, and senior audit management.
- Monitor the implementation of corrective actions and improvements based on audit findings.
- Bachelor’s degree in Accounting, Finance, Audit, Law, or a related field.
- 3-5 years of experience in internal audit, field audit, operational risk, or fraud investigation.
- Professional background in fintech, banking, or consumer finance sectors (preferred).
- Strong knowledge of branch operations, specifically KYC, onboarding, credit applications, and collections.
- High attention to detail and investigative skills to analyze data for anomalies.
- Ability to work independently in the field and travel to remote branch locations.
- Proven skills in professional report writing and documentation.
- Demonstrated integrity, accountability, and professional skepticism.
- Understanding of Indonesian fintech and financial institution regulations.
- Experience with data validation tools or mobile-based audit platforms (preferred).
- Fluency in Indonesian with English proficiency as an added advantage.
Cermati.com is a financial technology startup that operates as a comprehensive online marketplace, making it easy for Indonesians to find and apply for a wide range of financial products. By streamlining access to loans, credit, and other financial services, Cermati.com is committed to promoting financial inclusion and simplifying the financial decision-making process in Indonesia.
IT Associate