Financial Risk Control Manager - Overseas Acquiring

About the role

Tencent's Corporate Development Group (CDG) is responsible for incubating new businesses such as financial technology, advertising and marketing services, and for supporting strategic planning, investments, investor relations and corporate communications. This Financial Risk Control Manager builds and runs the risk management framework for the company's overseas acquiring business, covering the end-to-end merchant lifecycle and dynamic risk control across acquiring models and overseas markets. The role safeguards risk exposure and compliance with card scheme rules, AML and anti-fraud requirements while supporting rapid overseas growth.

Key responsibilities

• Understand overseas acquiring business models and the transaction lifecycle to identify and assess risk across markets
• Design and deploy mitigation strategies, validated through closed-loop review
• Conduct merchant due diligence and investigation on key, high-risk and complex cases, using transaction analysis, document verification and on-site visits
• Build and optimise merchant risk rating, transaction monitoring rules and risk models, and deploy tiered controls
• Establish portfolio-level KRI and EWI indicators, interface with card scheme monitoring programs and deliver regular risk analysis reports

Required profile

• Bachelor's degree or above in finance, risk management, economics, data analysis, law or a related field
• Proficiency in English and Mandarin to liaise with regulators, card schemes and business counterparts
• 3+ years of experience in acquiring, payment or financial risk control (5+ for senior level); experience in payment institutions, acquirers or fintechs preferred; overseas or cross-border experience is a plus
• Familiarity with major acquiring risk types and matching mitigation strategies
• Preferred: crypto or cross-border acquiring risk control experience, and a background in data analytics and AI applications (scorecards, machine learning, rule engines)

Required skills

• Solid knowledge of card scheme rules, AML and chargeback/dispute mechanisms
• Data analysis skills to spot anomalous patterns and risk signals in large datasets
• Strong ownership and resilience under pressure, with cross-functional communication to align business, technology, compliance and operations teams