Amar Bank

Digital-first bank offering unsecured personal loans

Head of Digital Fraud Strategy

Risk ManagementPosted on Nov 9

Full-timeJakarta, IndonesiaNo salary listedIn-person

About the Job

Requirements

At least 8 years of experience in a digital fraud or anti-fraud role.
At least 4 years of experience managing a B2C digital bank, e-wallet, or digital loan application such as BNPL or cash loan.
Ability to engage and influence C-level stakeholders across product, technology, and business functions.
Ability to operate autonomously by translating goals into actionable strategy, setting governance standards, and driving execution without close oversight.
Mastery of data analytics, anti-fraud strategy, anti-fraud rules and policy, and governance.
Experience establishing or operating within robust anti-fraud governance frameworks.
Fluency in written and spoken English.

Responsibilities

Formulate and execute strategies to identify, assess, and mitigate digital fraud risks.
Lead organization-wide digital fraud risk initiatives aligned with the bank's digital transformation objectives.
Advise executive leadership on digital fraud risk, evolving regulatory landscapes, and mitigation strategies.
Design, implement, and maintain fraud detection and prevention mechanisms for Amar Bank Digital, Amar Bank Business, Embedded Banking & Finance (EBF), and Tunaiku products.
Use data analytics and machine learning to predict and identify emerging digital fraud threats.
Coordinate the organization's response to digital fraud incidents, including containment, anti-fraud investigation, and resolution.
Collaborate with Technology, Product, and Business Unit teams to secure digital banking platforms and ensure their risk integrity.
Integrate risk management into the digital product development lifecycle using a secure-by-design approach.
Analyze digital fraud trends and technological advancements to anticipate new fraud methods and develop preventive strategies.
Establish and maintain a governance framework for digital fraud prevention.
Ensure regulatory compliance policies and procedures are implemented in fraud detection and mitigation systems.
Collaborate with regulatory bodies and internal compliance teams to adhere to industry standards and digital security policies.

Desired Qualifications

Experience managing B2C digital banks, e-wallets, or loan products in international or multi-market environments.
Experience directly managing fraud analysts, fraud investigators, or an anti-fraud team.
Strong understanding of the financial services system and product-level compliance responsibilities.
Familiarity with Fraud Detection Systems, data and monitoring platforms such as Looker, and JIRA.
Deep understanding of digital lending, digital banking, SME banking, and Embedded Banking.
Understanding of Indonesia's financial ecosystem and regulatory landscape, including OJK, Bank Indonesia, and industry associations.
Strong understanding of the Indonesian market and customer behavior.

The Head of Digital Fraud Strategy creates and executes a comprehensive framework to address the risk of fraud, cybercrime threats, and digital vulnerabilities. This role ensures the organization's resilience in an evolving digital banking landscape by proactively mitigating risks and embedding risk intelligence into business decisions.

Responsibilities

Formulate and execute advanced strategies for the identification, assessment, and mitigation of digital fraud risks.
Spearhead organization-wide digital fraud risk initiatives to ensure stringent alignment with the bank's overarching digital transformation objectives.
Provide strategic counsel to the executive leadership regarding digital fraud risk, evolving regulatory landscapes, and requisite mitigation strategies.
Design, implement, and maintain sophisticated mechanisms for fraud detection and prevention pertinent to Amar Bank Digital, Amar Bank Business, Embedded Banking & Finance (EBF) and Tunaiku product offerings.
Leverage advanced data analytics and machine learning methodologies to proactively predict and identify emerging digital fraud threats.
Orchestrate the organization's comprehensive response to digital fraud incidents, encompassing timely containment, anti fraud investigation, and definitive resolution measures.
Engage in rigorous collaboration with Technology, Product, and Business Unit teams to assure the security and risk-based integrity of all digital banking platforms.
Systematically integrate robust risk management principles into the digital product development lifecycle via a mandatory secure-by-design approach.
Conduct continuous analysis of digital fraud trends and technological advancements to anticipate future fraud modalities and develop highly effective preemptive strategies.
Establish and meticulously maintain a robust governance framework dedicated to digital fraud prevention.
Guarantee the comprehensive implementation of regulatory compliance policies and procedures within all fraud detection and mitigation systems.
Collaborate formally with regulatory bodies and internal compliance teams to ensure strict adherence to prevailing industry standards and digital security policies.

Requirements

8+ years experience in digital fraud/anti-fraud role.
4+ years experience managing B2C digital bank or e-wallet or digital loan application (BNPL/Cash Loan).
Ownership mindset, Drive to Learn, Grit & Resilience.
Proven ability to engage and influence C-level stakeholders across product, technology, and business functions.
Operate with a high degree of autonomy — translating goals into actionable strategy, setting governance standards, and driving execution without close oversight.
Mastery of data analytics, anti fraud strategy, anti fraud rules & policy and governance.
Proven experience setting up or operating within robust anti fraud governance frameworks.
Fluent in English, both written and verbal.

Bonus Points

Proven experience managing B2C digital banks/e-wallet/loan products in international or multi-market environments.
Experience managing fraud analyst, fraud investigator as well as overall anti-fraud team directly.
Strong understanding of the financial services system and compliance responsibilities at product level.
Familiar with Fraud Detection System as well as Data & Monitoring platforms (Looker), & JIRA.
Deep understanding of digital loan, digital banking, SME Banking, Embedded Banking.
Strong grasp of Indonesia's financial ecosystem and regulatory landscape, including dealings with OJK, Bank Indonesia, and industry associations.
Strong understanding of Indonesian market & customer behavior.

About the Company

Amar Bank

Digital-first bank offering unsecured personal loans

Amar Bank is a digital-first bank in Indonesia focused on financial inclusion for the unbanked and underbanked, offering digital lending, mobile banking, and embedded finance. Its Tunaiku platform uses big data and predictive analytics to process unsecured personal loans, often within 24 hours, for individuals and MSMEs. The bank launched Senyumku, a cloud-based, mobile-only app built with Google that uses AI to help customers manage money and build savings, and it provides an embedded banking SDK for partners to offer payments and loans. Originating as PT Anglomas International Bank and later rebranded after a 2014 acquisition by the Tolaram Group, Amar Bank aims to expand access to affordable financial services through technology, partnerships, and a stock-market-backed growth path.

Company size: 501-1,000
Company stage: IPO
Headquarters: Surabaya, Indonesia
Founded: 1991

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