Branch Audit Associate

About the role

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.

Key responsibilities

• 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

• Ensure compliance with internal procedures and minimize business deviations

• Gather information and supporting evidence to strengthen field findings and ensure complete chronologies are documented

• 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

About you

• 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

• 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

• Fluency in Indonesian with English proficiency as an added advantage

• Professional background in fintech, banking, or consumer finance sectors (preferred)