Overview
Senior Fraud Operations Specialist Jobs in Jakarta, Indonesia at Flip
Title: Senior Fraud Operations Specialist
Company: Flip
Location: Jakarta, Indonesia
About the Role
We are looking for a Senior Fraud Operations to join our Risk team and play a key role in protecting our merchant ecosystem from fraud risks. In this role, you will lead end-to-end fraud investigations related to offline merchants, identify emerging fraud patterns, and drive improvements in fraud detection and prevention strategies.
You will work closely with cross-functional teams, including Risk, Product, Legal, Sales, and Operations, to resolve complex fraud cases and strengthen internal controls. As part of this role, you will also help establish investigation standards, improve policies and processes, and support the team in handling high-impact fraud incidents. Ultimately, you will contribute to building a robust fraud prevention framework that safeguards the business and maintains trust within our merchant ecosystem.
What you'll do:
- Lead end to end fraud investigations related to offline merchants, including merchant onboarding fraud, collusion, transaction abuse and incentive manipulations.
- Analyze fraud patterns, identify root causes and recommend preventive controls. Assign investigation workload and ensure SLA adherence Develop and refine fraud detection rules, thresholds, and alert strategies.
- Recommend and create policy and process improvement to reduce fraud exposure.
- Coordinate with internal teams (Risk, Product, Legal, Sales, Operations) to resolve fraud cases and improve controls.
- Establish investigation standards, document quality and best practise.
- Prepare investigations reports and escalation summaries for management and stakeholders.
- Support handling of high impact fraud incidents and urgent escalations.
- Support fraud awareness initiative across internal teams.
What you'll need:
- Minimum 5 years experience in Fraud Investigations, Fraud Operations, Payments, Banking or Fintech environment.
- Strong understanding of merchant fraud, payment fraud and dispute handling.
- Experience leading or mentoring a team is strongly preferred. Ability to analyze large datasets, detect patterns, and derive insights (experience with SQL / data tools is a plus).
- Excellent stakeholder management and communication skills.
- Ability to challenge business decisions constructively from a risk perspective.
- Experience working with regulators or audit engagements.
