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Responsibilities: Conduct real-time transaction monitoring and risk assessments (fraud detection, merchant credit scoring). Perform due diligence investigations for new merchants and oversee portfolio risk management. Lead the implementation of system upgrades and new payment solutions Collaborate with cross-functional teams (IT, Compliance, Customer Support) to ensure seamless operations. Monitor industry trends (cross-border payments, Central Bank Digital Currencies) and evaluate emerging technologies (AI-driven fraud detection, blockchain-based settlement). Manage ad-hoc projects, including process optimization and regulatory compliance initiatives. Requirements: Bachelor’s degree in Finance, Business, IT, or a related field. Minimum 3 years of experience in payment acquiring, card schemes, or fintech operations. In-depth understanding of the credit card transaction lifecycle (authorization, clearing, settlement) and stakeholder roles (issuers, acquirers, gateways, merchants). Hands-on experience with payment systems (gateways, POS), API integrations, and data standards (ISO 8583). Familiarity with dispute resolution frameworks (chargeback processes, arbitration). Proficiency in international card network rules and fee structures (VISA, Mastercard, UnionPay). Advanced SQL/VBA proficiency for data analysis. Fluency in English and Chinese (Mandarin preferred).