Branch Audit Associate

Job Description

• 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.
• Gather information and supporting evidence to strengthen field findings and ensure complete chronologies are documented so all parties understand the violations and appropriate sanctions.
• 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.

Qualifications

• 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.
• Professional background in fintech, banking, or consumer finance sectors (preferred).
• 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.
• Experience with data validation tools or mobile-based audit platforms (preferred).
• Fluency in Indonesian with English proficiency as an added advantage.