Cermati.com
Risk & AML Specialist
TLDR
Collect and analyze risk data across units, drive AML-CFT controls, and strengthen ERM and regulatory reporting.
- Collect and process risk data from all work units and group entities
- Conduct analysis of the Company’s Health Level (risk profile, GCG, capital, profitability).
- Perform RCSA & KRI on a regular basis, calculate operational risk composite.
- Carry out AML-CFT (Anti-Money Laundering – Counter Financing of Terrorism) tasks in the company and ensure the company is not misused for money laundering or terrorism financing by applying KYC/CDD principles when onboarding customers, monitoring suspicious transactions, and reporting to PPATK and OJK (such as STR and CTR).
- Conduct risk assessment and internal control, train employees to understand AML/CFT risks, and ensure regulatory compliance through policies, procedures, and the use of filtering systems against terrorist/sanction lists. Also, perform customer identification risk measurement (AML) through IRA.
- Identify potential risk issues and escalate them to the ERM Manager.
- Prepare periodic reports for regulators in accordance with regulations.
- Support the development and implementation of ERM, Operational Risk & Credit Risk, as well as monitoring cross-unit action plans.
- Responsible for the technical implementation of AML-CFT, regular reporting, and AML-CFT risk assessment by coordinating with the Compliance team of each entity.
- Minimum Bachelor’s degree in Economics, Engineering, Mathematics/Exact Sciences, or a related field.
- 2–3 years of experience in risk management or AML within the financial industry.
- Strong understanding of TKS, RCSA, KRI, AML-CFT, IRA, and OJK regulations.
- Strong data analysis skills, proficient in Microsoft Excel, and effective communication abilities.
- Relevant certifications or training in risk management and AML are preferred.
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.
Specialist