Transaction Monitoring Staff

About Us

PT Kharisma Catur Mandala (Duitku) is a growing fintech company that helps businesses across Indonesia accept and manage digital payments easily and securely. As a licensed payment gateway and disbursement provider, we integrate multiple payment methods—such as e-wallets, virtual accounts, bank transfers, and cards—into one seamless platform. We are driven by innovation, teamwork, and a mission to empower merchants with reliable and transparent financial technology.

Why DUITKU?

• Be the heartbeat of our systems: manage, monitor, and optimize our tech environment.
• Impactful work: make a tangible difference with projects that matter.
• Growth-centric: Ongoing learning opportunities to fuel your career trajectory.
• Flex perks: Competitive salaries, comprehensive benefits, and wellness programs.
• Culture of collaboration: Join a team where your voice is heard and valued.

About the Role

We are seeking a proactive and results-oriented Transaction Monitoring Staff. In this role, you will be responsible for monitoring transactions in real time and through periodic reviews to detect unusual activities, potential fraud, and policy violations while ensuring compliance with the company's policies and regulatory requirements. You will also collaborate with cross-functional teams to resolve transaction-related incidents, prepare incident reports, and conduct Root Cause Analysis (RCA) to support operational integrity and continuous improvement.

The responsibilities covering:

• Monitor transaction traffic across all payment channels to ensure services operate normally.
• Monitor transaction success rates, error rates, latency, and anomalies across all payment channels.
• Coordinate with the Channel Partnership team, banks, and business partners through communication channels (e.g., WhatsApp, Microsoft Teams, email) during service disruptions or transaction issues.
• Analyze error logs, application logs, and system logs to identify the root cause of incidents.
• Escalate issues to the appropriate stakeholders, including Engineering, Infrastructure, Database Administration (DBA), Product, Partnership, and other relevant teams based on the analysis.
• Perform payment channel switching or routing (e.g., Artajasa, Online, BI-FAST) in accordance with operational procedures to maintain service availability.
• Conduct post-switch validation to ensure transaction services have returned to normal operation.
• Document incidents, actions taken, timelines, and resolutions accurately and completely.
• Prepare daily and weekly reports on payment channel availability, incidents, and performance.
• Participate in Root Cause Analysis (RCA) activities for major or high-impact incidents.
• Monitor alerts generated by monitoring tools (e.g., Zabbix, Grafana, Sentry) and take appropriate action in accordance with established Standard Operating Procedures (SOPs).
• Coordinate with internal and external stakeholders throughout the incident management process until services are fully restored.

Qualifications

• Bachelor's degree (S1) in Information Systems, Informatics Engineering/Computer Science.
• Fresh graduates are welcome to apply.
• Candidates with 1 year of experience in Transaction Monitoring, Fraud Monitoring, Risk Management, Payment Operations, Compliance, Anti-Money Laundering/Counter Financing of Terrorism (AML/CFT), Fintech or Banking are preferred.
• Strong communication skills.
• Able to speak English, both oral and written.
• Can work under pressure.
• Have a desire to learn new things.
• Ability to work independently or with a group.
• Have a strong and good attitude.

Skills Required

• Good understanding of electronic Payment Transaction Processes and Workflows. 
• Basic knowledge of Fraud Detection Principles and Transaction Monitoring. 
• Basic understanding of Anti-Money Laundering (AML) and Know Your Customer (KYC) Principles. 
• Proficient in Microsoft Excel ( Pivot Tables, Lookup Functions, Filtering, and Data Analysis) 
• Familiarity with Transaction and System Monitoring Dashboards. 
• Strong analytical and problem-solving skills with the ability to interpret data effectively. 
• High attention to detail, particularly in identifying transaction patterns and anomalies.

Preferred Knowledge

• Good understanding of Payment Gateway services and payment processing workflows.
• Knowledge of Virtual Account (VA), QRIS, and other electronic payment channels.
• Familiarity with Chargeback and Dispute Management processes.
• Understanding of Risk Scoring concepts and transaction risk assessment.
• Knowledge of Merchant Monitoring processes to identify unusual activities, mitigate risks, and ensure compliance with operational and regulatory requirements.

Working Conditions

• Willing to work on a 24/7 shift schedule as required by operational needs. 
• Willing to work on weekends and public holidays in accordance with the operational schedule. 
• Able to work effectively in a fast-paced environment while managing high transaction volumes and meeting strict Service Level Agreement (SLA) targets.

Why Join Us?

Based in Jakarta, we offer a competitive package, as well as the opportunity to work with a team of talented and experienced professionals, gain networking opportunities with them and opportunity for a full time position subject to performance.