Risk Manager – Card Issuing

This is a fully remote position, open to applicants in Malaysia, +4 more countries.

📋 Description

• Lead the risk management of new market expansion for card issuing products as Reap ventures into additional APAC markets.

• Ensure that fraud controls, configurations, and scheme policy requirements are established at launch and continuously upheld.

• Assess and onboard new BIN sponsorship clients through comprehensive risk analysis.

• Set up initial risk configurations and maintain governance oversight of the sponsored portfolio.

• Create and implement automated monitoring workflows for fraud alerts, scheme notifications, and risk signals at both client and merchant levels.

• Minimize manual intervention and enhance risk response efficiency.

• Lead thorough fraud investigations, respond to BIN attack incidents, conduct post-mortems, and coordinate cross-functionally.

• Collaborate with the data team to develop risk dashboards and intelligence.

• Identify fraud and risk signals, influencing the presentation and utilization of risk data.

• Provide guidance to clients regarding risk appetite, fraud exposure, controls, and thresholds.

• Employ risk metrics, dashboards, and analytical tools to make and convey evidence-based decisions.

⛳️ Requirements

• Over 8 years of experience in risk management within a card issuer or acquirer setting.

• In-depth understanding of card fraud, disputes, and risk operations.

• Robust background in fraud and risk management, preferably in card issuing or payments/acquiring.

• Experience in fintech or technology companies is highly desirable.

• Capability to lead projects from initiation to completion without daily oversight.

• Proficient project management skills, including timeline setting, progress tracking, and proactively identifying obstacles.

• Strong stakeholder management skills with the ability to convey complex risk topics to non-technical audiences.

• Outcome-driven approach focused on metrics and business impact.

• Strong risk analytics skills and the ability to clearly present risk information to stakeholders.

• Proven track record of managing strategic projects across multiple functions and geographies simultaneously.

• Background in a high-growth fintech, payments, or startup environment is preferred.

• Experience with a leading modern payments or card platform is advantageous.

• Familiarity with stablecoin or web3 financial infrastructure is preferred.

• Experience with data and BI tools such as Looker, Snowflake, or similar platforms is preferred.

• SQL knowledge is a plus, but not essential.

🏝️ Benefits

• Flexible hybrid/remote work environment within a global, collaborative team.

• Insurance coverage provided after the probation period.

• Access to AI tools for work purposes.

• Opportunities to learn, experiment, and grow with AI technologies.

• A culture that fosters innovation, inclusion, and continuous learning.