--- title: 'Senior Risk Analyst at Xendit' canonical: 'https://feeny.ai/job/senior-risk-analyst-xendit-marikina-4ctjp7f8xq8v' type: 'job' last_seen: '2026-09-10' --- # Senior Risk Analyst at Xendit - **Company:** Xendit - **Location:** Marikina, Philippines - **Posted:** 2026-08-24 - **Last confirmed live:** 2026-09-10 - **Apply:** https://job-boards.greenhouse.io/xendit/jobs/7893813003 ## Job description [Xendit](https://www.xendit.co/en/) provides payment infrastructure across Southeast Asia and is expanding to Greater China and LATAM. We process payments, power marketplaces, disburse payroll and loans, provide KYC solutions, prevent fraud, and help businesses grow exponentially. We serve our customers by providing a suite of world-class APIs, eCommerce platform integrations, and easy to use applications for individual entrepreneurs, SMEs, and enterprises alike. Our main focus is building the most advanced payment rails for Southeast Asia, with a clear goal in mind — to make payments across and within SEA simple, secure and easy for everyone. We serve thousands of businesses ranging from SMEs to multinational enterprises, and process millions of transactions monthly. We’ve been growing rapidly since our inception in 2015, onboarding hundreds of new customers every month, and [backed by global top-10 VCs](https://techcrunch.com/2021/03/02/indonesia-payments-infra-startup-xendit-raises-64-6m/). We’re proud to be featured on among the fastest growing companies by [Y-Combinator](https://www.ycombinator.com/topcompanies). We are hiring for Dragonpay Corporation, established in 2010 as a pioneer in alternative payments in the Philippines. Today, as a Xendit company, Dragonpay combines its strong local coverage with Southeast Asiaʼs leading payment infrastructure. This integration gives our partners a next-generation financial infrastructure and direct gateway to a broader regional distribution allowing them to scale in multiple markets seamlessly. ## What You’ll Do This role goes beyond detecting risk and performing KYC. As a Senior Risk Analyst, you will conduct comprehensive, end-to-end investigations by gathering and analyzing information from multiple sources to assess merchant transactions, identify fraud and financial crime risks, and determine the overall risk profile of merchants. Using strong analytical and investigative skills, you will deliver evidence-based risk assessments and actionable recommendations that support informed business decisions while ensuring compliance with established policies and risk controls. Key Responsibilities: - Review the Trigger: Begin by understanding why the case was flagged. What triggered the alert? - Gather Relevant Information: Collect and analyze all available data related to the merchant or transaction. What do the available records reveal? - Verify the Merchant (KYC/CDD/EDD): Conduct these procedures to verify the merchant's legitimacy and identify any inconsistencies. - Perform Sanctions and Watchlist Screening: Determine whether a potential match is genuine or a false positive by screening against international sanctions lists, Politically Exposed Persons (PEP) lists, adverse media, internal blacklists, and regulatory watchlists. - Analyze Transaction Behavior: Look for unusual patterns rather than isolated events. Does the transaction behavior align with the merchant's business model? Is it consistent with historical activity? - Assess Overall Risk: Evaluate the complete picture and determine whether the merchant or activity presents a low, medium, or high level of risk. - Document Findings and Make Recommendations: Prepare clear, well-documented, evidence-based case reports and provide actionable recommendations to support sound risk decisions. Qualifications: - Bachelor's degree in Business, Finance, IT, or a related field. - 2–4 years of experience in risk, fraud, or financial crime investigations. - Proficiency in transaction monitoring and case management systems. - Strong analytical, investigative, and detail-oriented skills. - Excellent written and verbal communication skills, with the ability to communicate effectively with senior management and external stakeholders. - Willing to work on-site in Marikina City. Please note: Only candidates who successfully pass our initial resume screening will be contacted for the next stage of the recruitment process. If you're invited to an initial interview, we encourage you to take some time to learn about our industry and the role you're applying for. Doing so will help you better demonstrate your relevant knowledge, skills, and experience during the interview. ## About Xendit ## Company Overview - **One-liner**: Xendit is a financial technology company that provides payment infrastructure and processing solutions for businesses operating in and expanding across Southeast Asia. - **Entity Type**: Private (Series D funding, Unicorn status achieved in 2021) - **Headquarters**: Jakarta, Indonesia - **Founded**: 2015 - **Founders**: Moses Lo, Tessa Wijaya, Bo Chen, Juan Gonzalez ## Core Business - **Primary industry/industries**: Financial Technology (Fintech), Payment Processing, Digital Infrastructure - **Target customers**: B2B — serving enterprises, global businesses expanding into Southeast Asia, startups, SMEs, e-commerce platforms, and marketplaces. - **Mission or purpose statement**: To make payments simple, helping businesses focus on growth and creating lasting value. ## Products & Services - **Accepting Payments**: A payment gateway that allows businesses to accept payments via over 100 popular methods, including credit cards, virtual accounts, bank transfers, e-wallets, and QRIS across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. - **Payout API**: An API for sending bulk payouts instantly to 450+ banks and e-wallets, including on weekends and public holidays. - **Recurring Payments**: Automated subscription management for credit cards, e-wallets, and direct debit. - **Platform Payments**: Solutions for platforms and marketplaces to onboard sub-merchants, split funds, and manage payouts. - **Financing**: Quick financing options for businesses to fund regional expansion. ## Market Standing - **Valuation/Market Cap**: Achieved Unicorn status (valuation >$1B) in 2021 after raising $150M in Series C. - **Key Metric**: Total funding of $538M (including a $300M Series D round in 2022). The company processes over 500 million transactions yearly. - **Notable Investors/Partners**: Y Combinator (first Indonesian startup to graduate), and other venture capital firms involved in its Series C and D rounds. - **Growth Signals**: Expanded from Indonesia to the Philippines (2020), Malaysia, Thailand, and Vietnam. Holds a Payment Gateway license from Bank Indonesia. Serves over 10,000 businesses. ## Competitive Advantages - **Deep Local Integration**: Direct integrations with hundreds of payment methods, navigating the complex, non-card-centric payment landscape of Southeast Asia. - **Market-First Innovation**: A track record of being first to market with specific payment flows (e.g., auto-debit in the Philippines, digitalizing bank transfers via virtual accounts in Malaysia). - **Single Platform, Multi-Market**: Allows businesses to unify payments across multiple Southeast Asian countries through a single API and platform, eliminating the need for fragmented integrations. - **Licensed & Secure**: Fully licensed by regulatory authorities and holds internationally recognized security certifications. ## Strategic Focus - **Regional Expansion**: Continuing to build a local presence in more countries across Southeast Asia and beyond (including the USA). - **Product Depth**: Building out a comprehensive financial infrastructure suite that goes beyond payments to include financing and platform management tools. - **Global-to-Local Strategy**: Enabling global companies to easily enter dynamic Asian markets while helping local businesses scale regionally. ## Why Work Here - **Culture & Values**: The company's culture is built around five core values: "Be Trustworthy," "Customers First," "Be Golden" (treat others as you wish to be treated), "Honey Badger" (tenacity and intelligence to outmaneuver larger competitors), and "Grow" (continuous learning). - **Diverse & Inclusive**: Over 600 employees from more than 10 countries, with a 43% female workforce. - **Unique Hiring Process**: Uses a "trial day" (1-5 days) as a key part of the recruitment process, allowing candidates to demonstrate their skills in a real-world context before an offer is made. - **Impact**: Employees work on building digital infrastructure that hasn’t existed before, helping power the digital transformation of dynamic markets. - **Work Policy**: Not explicitly stated, but the company has offices across Southeast Asia (Indonesia, Singapore, Malaysia, Philippines, Thailand, Vietnam) and the USA, suggesting a hybrid/regional in-office model. ## Sources 1. [xendit.co](https://www.xendit.co/en/company/) 2. [xendit.co](https://www.xendit.co/en/careers/) 3. [xendit.co](https://www.xendit.co/en/) 4. [linkedin.com](https://www.linkedin.com/company/xendit) ## Other roles at Xendit - [Market Expansion Lead - Financial Partnerships](https://feeny.ai/job/market-expansion-lead-financial-partnerships-xendit-hong-kong-singapore-3shvtker423g) — Hong Kong / Singapore - [Merchant Technical Support - Jr Manager](https://feeny.ai/job/merchant-technical-support-jr-manager-xendit-jakarta-gyxgekapv40n) — Jakarta, Indonesia - [Solutions Engineer](https://feeny.ai/job/solutions-engineer-xendit-united-states-b12w9cv319z7) — United States - [Senior Product Manager - Operational Journey](https://feeny.ai/job/senior-product-manager-operational-journey-xendit-jakarta-n8dwrdzq93az) — Jakarta, Indonesia - [Senior Design System and Product Designer - Operational Journey](https://feeny.ai/job/senior-design-system-and-product-designer-operational-journey-xendit-jakarta-m9hwzsffhng3) — Jakarta, Indonesia - [UX Designer - Developer Experience (DevEx)](https://feeny.ai/job/ux-designer-developer-experience-devex-xendit-jakarta-t2wzwn654fhz) — Jakarta, Indonesia - [Full Stack Developer Intern](https://feeny.ai/job/full-stack-developer-intern-xendit-jakarta-06fvg4jk9n45) — Jakarta, Indonesia - [Data / ML Automation Intern](https://feeny.ai/job/data-ml-automation-intern-xendit-jakarta-a84sx1hdt8f3) — Jakarta, Indonesia - [FinOps Recons Associate](https://feeny.ai/job/finops-recons-associate-xendit-jakarta-bvdzfjsk148n) — Jakarta, Indonesia / Manila, Philippines - [Customer Success Manager (Greater China)](https://feeny.ai/job/customer-success-manager-greater-china-xendit-hong-kong-kuala-lumpur-malaysia-4ekm3h3dwq79) — Hong Kong / Kuala Lumpur, Malaysia / Singapore / Taipei, Taiwan