Branch Audit Associate at Cermati.com

Special capital Region of Jakarta, Java, Indonesia -

Full Time

Start Date

Immediate

Expiry Date

27 Apr, 26

Salary

0.0

Posted On

27 Jan, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Internal Audit, Field Audit, Operational Risk, Fraud Investigation, Branch Operations, KYC, Onboarding, Credit Applications, Collections, Data Analysis, Investigative Skills, Report Writing, Documentation, Professional Skepticism, Regulatory Compliance, Data Validation

Industry

Financial Services

Description

Company Description Cermati is a financial technology (fintech) startup based in Indonesia. Cermati simplifies the process of finding and applying for financial product by bringing everything online so people can shop around for financial products online and can apply online without having to physically visit a bank. Our team hailed from Silicon Valley Tech companies such as Google, Microsoft, LinkedIn and Sofi as well as Indonesian startups such as Doku, Touchten. We have graduates from well known universities such as Universitas Indonesia, ITB, Stanford, University of Washington, Cornell and many others. We are building a company with the same culture of openness, transparency, drive and meritocracy as Silicon Valley companies. Join us in our cause to build a world class fintech company in Indonesia. Job Description Execute regional audit cycles effectively, efficiently, and within the designated timeframes. Identify consumer data related to the customer acquisition process to find indications of irregularities, anomalies, or potential fraud. Conduct direct field inspections of acquisition processes, applications, sales transactions, and collections performed by branch staff to ensure compliance with internal procedures and minimize business deviations. Gather information and supporting evidence to strengthen field findings and ensure complete chronologies are documented so all parties understand the violations and appropriate sanctions. Follow up on information received from both internal and external parties regarding work processes that do not comply with procedures. Communicate audit findings effectively to relevant parties, including branch managers, compliance teams, and senior audit management. Monitor the implementation of corrective actions and improvements based on audit findings. Qualifications Bachelor’s degree in Accounting, Finance, Audit, Law, or a related field. 3-5 years of experience in internal audit, field audit, operational risk, or fraud investigation. Professional background in fintech, banking, or consumer finance sectors (preferred). Strong knowledge of branch operations, specifically KYC, onboarding, credit applications, and collections. High attention to detail and investigative skills to analyze data for anomalies. Ability to work independently in the field and travel to remote branch locations. Proven skills in professional report writing and documentation. Demonstrated integrity, accountability, and professional skepticism. Understanding of Indonesian fintech and financial institution regulations. Experience with data validation tools or mobile-based audit platforms (preferred). Fluency in Indonesian with English proficiency as an added advantage.

Responsibilities

The associate will execute regional audit cycles, focusing on identifying consumer data irregularities and potential fraud related to customer acquisition processes. This includes conducting direct field inspections of branch activities like sales and collections to ensure compliance with internal procedures.