ABOUT THE ROLE
We are seeking a senior risk leader to build and oversee the entire risk monitoring program for our international expansion, spanning the United States, Singapore, Malaysia, and upcoming regions. This is a strategic and operational leadership role — you will own the design of the multi-region monitoring framework, lead and scale the teams that run it, and serve as the senior risk voice in expansion decisions. Reporting into senior leadership, you will be accountable for ensuring that as we enter each new market, our AML, transaction monitoring, merchant risk, and fraud capabilities are not just compliant with local regulation but operationally excellent — rule sets tuned to local typologies, alert quality high, investigation cycles fast, and regulators and partners confident in our program. The ideal candidate combines deep payments/fintech financial-crime expertise with genuine program-building

experience:
you have stood up monitoring functions in new geographies, hired and grown teams, selected and implemented tooling, and translated regulatory expectations into working controls. This role requires close collaboration with Compliance, Legal, Product, Operations, Data Science, Engineering, and external stakeholders including regulators, acquiring banks, networks, and law enforcement across jurisdictions.

Key Responsibilities
1. Multi-Region Risk Monitoring Strategy & Program Ownership
• Own the end-to-end risk monitoring program for international markets — current and upcoming — covering AML/CFT transaction monitoring, fraud detection, chargeback abuse, and merchant portfolio risk.
• Design the market-entry risk framework: regulatory landscape assessment, typology research, rule/scenario design, threshold calibration, and phased go-live plans for each new region.
• Set the multi-year roadmap for the program: coverage gaps, automation opportunities, analytics maturity, and headcount/tooling investment cases.
• Define and own program-level KRIs/KPIs — alert volumes, false positive ratios, time-to-disposition, STR throughput, loss rates — and report regularly to senior management and board-level stakeholders. 2. Regulatory Alignment Across Jurisdictions
• Ensure the monitoring program meets local requirements across US (FinCEN/BSA, OFAC sanctions, state money transmitter expectations), Singapore (MAS Notice 626/PSN02), Malaysia (BNM AML/CFT policy documents), and each upcoming market.
• Partner with Compliance and Legal on regulatory examinations, audits, and information requests in each region; represent the risk monitoring program to regulators where required.




• Anticipate regulatory change across jurisdictions and adapt frameworks proactively rather than reactively.
• Drive alignment between international program standards and the parent program so global consistency and local specificity are both preserved. 3. Team Leadership & Capability Building
• Build, lead, and mentor regional risk monitoring and investigations teams (analysts, team leads, and future regional heads), with hiring plans that scale with market expansion.
• Establish operating rhythms — quality assurance programs, calibration sessions, case review standards, training curricula — that raise the floor of investigative quality across all regions.
• Develop succession depth and specialist capability (sanctions, mule networks, merchant collusion, emerging typologies).
• Champion a culture of intellectual honesty: investigations that follow evidence, escalations without fear, and post-mortems without blame. 4. Analytics, Tooling & Automation Strategy
• Own the vision for analytics-led monitoring: rules-plus-models architecture, ML-based alert scoring, network/graph analytics for mule and collusion detection.
• Drive build-vs-buy decisions and vendor/tooling selection (TM platforms, case management, KYC/EDD data providers, sanctions screening) in partnership with Engineering and Procurement.
• Set data quality standards for monitoring — transaction enrichment, merchant metadata, watchlists — and partner with Data teams to close gaps.
• Establish A/B testing and champion-challenger discipline for rule and model changes so monitoring improves measurably over time. 5. Merchant & Portfolio Risk Oversight
• Oversee post-onboarding merchant risk programs across regions: ongoing monitoring, periodic reviews, enhanced due diligence for high-risk categories, and business model verification.
• Investigate and resolve portfolio-level anomalies — chargeback spikes, abnormal payment patterns, transaction laundering, misuse of payment services — and drive control changes with Product and Ops.
• Advise on risk appetite for current verticals, products, and markets before launch; ensure restricted/high-risk business categories have proportionate controls in every region. 6. Cross-Functional & External Stakeholder Leadership
• Act as the senior risk counterpart to regional business leadership for expansion decisions — new products, partnerships,



and market entries get a rigorous but constructive risk assessment.
• Manage relationships with acquiring banks, networks, regulators, law enforcement, and external partners across all operating regions.
• Represent Risk in cross-functional governance forums; influence without authority across Product, Engineering, and regional ops teams.
• Train and upskill internal teams across regions on AML risks, suspicious activity identification, and fraud prevention. Required Qualification & Experience
•

Experience:
10–12 years in AML, transaction monitoring, financial crime risk, merchant risk, or fraud within payments, fintech, card networks, banking, or e-money institutions.
• People Leadership: 5+ years of people leadership, including building or substantially scaling teams; experience hiring and developing regional leads preferred.
• International Regulatory

Experience:
Direct experience operating in at least one of: US, Singapore, or Malaysia regulatory environments — working knowledge of FinCEN/OFAC, MAS, and BNM expectations, and demonstrated ability to learn new jurisdictions quickly.
• Program Building: Proven track record of building or transforming a monitoring program — not just running one: market entry, tooling selection/implementation, rule/scenario design, or analytics transformation.
• Technical Expertise: Strong grasp of TM platforms and case management systems; comfortable shaping architecture decisions with Engineering.
• Investigative

Skills:
Strong investigative instincts: able to identify anomalies, connect data points, and build defensible narratives; equally able to review others' work and raise its quality.
• Communication: Excellent written and verbal communication — able to write for regulators, present to executives, and explain risk trade-offs to product teams.
• Education & Certifications: Bachelor's degree in finance, law, data, or related field; ACAMS (CAMS), ICA, or CFCS certifications strongly preferred; advanced degrees a plus. What makes this role Compelling
• Ownership, not stewardship: You define what the international risk monitoring program becomes — its architecture, its team, its reputation with regulators.
• Multi-region canvas: US, SG, MY live today; more regions coming — your framework sets the pattern for every future market.
• Senior visibility: Direct line to senior leadership, and a seat at the table for every major expansion decision.
• Build with support: A proven parent program in India, strong Data/Engineering partners, and leadership that treats risk as a growth enabler, not a brake.

📌 Associate Director, Risk Management (Bengaluru)
🏢 Razorpay
📍 Bengaluru