258 Financial Investigation jobs in Singapore

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

How will you make an impact in this role?

Overview of The Department

Commercial Rating and Underwriting (CRU) sits within the Credit and Fraud Risk Management (CFR) division and forms the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity. CRU is led from Salt Lake City with regional teams in New York, London, Singapore, India and Sydney.

In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also underwrites Amex’s large commercial card programs. As a bank holding company, American Express must comply with the highest global banking standards set by Basel and implemented by our primary regulator, the Federal Reserve.

Job Responsibilities

Directors in CRU are responsible for overseeing managers who rate and underwriting credit exposures in their assigned region, industry, and business line. Fundamental analysis incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Assessment includes understanding of the need for credit extension, profitability of the relationship and program structures. CRU directors interact with various constituents across the firm including front office sales, business unit risk partners, and credit administration to perform their critical role.

Desired Skills:

• Expertise as a credit and underwriting decision maker dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions
• Thorough understanding of fundamental financial analysis, including the ability to review corporate financial statements to determine the ability of the obligor to honor its credit obligations.
• Lead various projects to meet heightened standards for Category 2 bank, as issued by the Office of the Comptroller of the Currency on regulatory capital rule and liquidity coverage ratio rule
• Proven ability to influence others to achieve complex objectives against tight deadlines
• Comfort with GAAP/IFRS accounting standards, corporate valuation, and forecasting
• Knowledge of how probability of default and loss given default determine economic capital
• Experience in determining appropriate credit capacity, structuring of facilities, and risk mitigation techniques
• Comfort with public agency ratings and supporting analysis
• Understanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle
• Experience preparing company-specific and industry-wide credit memorandums
• Excellent judgment in making sound rating and underwriting decisions to maximize profitability and mitigate risk
• Review of rating methodology in operating manual in English and Chinese
• Track record of collaborating and building relationships across organization
• Ability to lead large scale, time sensitive, enterprise-wide projects through to successful completion

Qualifications:

• Minimum 10 years’ experience in rating and / or underwriting at a leading financial institution or rating agency
• Experience in managing, training and mentoring direct reports
• Bachelor’s degree from a top tier university in finance, accounting, economics, or statistics
• Proficiency in English and Chinese (Mandarin)
• Good knowledge on the U.S banking regulations, particularly those imposed by Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation.

You lead the development, implementation and evaluation of quality assurance and risk management, covering corporate governance and compliance policies and processes for our organization.

• Establish and maintain a quality and risk management framework that aligns with the organization’s vision, mission and values, goals, and complies with the relevant Acts, laws, regulations and standards

• Communicate and collaborate with internal and external stakeholders to convey quality assurance and risk management information and expectations, build trust and rapport

• Coordinate and conduct activities such as audits, assessments, reviews, investigations; and reporting and monitoring and improving the performance and outcomes of the organization and its services

• Identify, analyze and manage potential and actual risks and issues

• Develop and implement solutions and strategies to prevent, mitigate or resolve them

• Provide guidance, support and training to staff and managers on quality assurance and risk management best practices and processes, and fostering a culture of quality and safety across the organization

• Oversee the protection of data during storage, usage and disposal to manage risk of data loss

• Respond and manage incidences from inception, through solutioning, to completion, with all affected operators and relevant authorities

• Oversee activities to foster personal data protection awareness within the organisation

• Enhance compliance processes based on an evaluation of gaps in business operations and data protection requirements

• Translate user's privacy and personal date protection requirements into data-driven design thinking processes

Requirements:

• A degree holder with certification in risk management, data protection or related credentials from a recognized professional association

• Minimum 5 years of relevant working experience

• Demonstrate knowledge and understanding of the aspects of compliance, governance and risk management

• Knowledge and experience in health care and/or NGO risk management settings will be an advantage

• Proficient technical skills to use various tools and applications to collect, analyze and report management data and information

• Experience in managing risk through data and AI governance

• Good communication and interpersonal skills

• Meticulous and systematic in documentation

• Analytical and strong problem-solving and critical thinking skills

• Integrity to uphold ethical principles and values

We have partnered with one of the leading retail groups in Singapore.

The role of Operations Analyst involves ensuring that margin call processes are aligned with CSA/GMRA/GMSLA/PAD agreements. This includes managing bilateral margin calls, calculating, issuing and receiving margin calls, and settling them in a timely and accurate manner.

• Ensure margin call processes comply with relevant agreements
• Manage bilateral margin calls, including calculations, issuance and receipt
• Manage Regulatory Initial Margin calls via triparty custodian
• Manage OTC cleared margin calls with clearing brokers and houses
• Resolve disputes according to established protocol and procedures
• Support overseas entities in collateral management
• Handle process exceptions such as non-payment and no response to margin calls

• Bachelor's degree in Finance, Banking or Business
• Minimum 1-3 years operations experience, especially in collateral management
• Familiarity with OTC derivative products and valuation
• Excellent communication and teamwork skills
• Ability to work in a fast-paced environment and drive results
• Curious mindset to identify improvements
• Proficiency in MS Office Applications

This is an exciting opportunity for a detail-oriented individual who can drive process improvements and ensure compliance with regulatory requirements.

We are seeking a highly skilled candidate with a strong interest in risk management to support our department's operations and contribute to the development of strategic initiatives.

• Legal Support and Review : Provide expert legal support for various documents, including articles, briefings, presentations, guidance notes, policies, and procedures related to risk management within the legal profession.
• Administration Assistance : Assist in the administration of the Unclaimed Money Fund, collaborating closely with other departments as required.

Key Qualifications:

• Bachelor's degree in law or a related field
• Demonstrated expertise in risk management principles and practices

What We Offer:

• A dynamic work environment with opportunities for professional growth and development

How to Apply:

Please submit your application, including your resume and a cover letter outlining your relevant experience and qualifications.

We believe that collaborative problem-solving is key to achieving success.

Our diverse global community of professionals comes together to build trust in society and solve complex issues.

As a valued member of our team, you will have the opportunity to develop your skills and work on exciting projects, empowered by technology.

• Key Skills:
• Effective risk management strategies
• Collaborative teamwork
• Problem-solving and analytical skills
• Adaptability and flexibility

Benefits:

• A supportive and inclusive work environment
• Ongoing training and development opportunities
• A competitive salary and benefits package
• The chance to make a meaningful impact in society

About Our Team:

Our team is passionate about making a difference in the world. We are dedicated to creating a positive and productive work environment that fosters growth and collaboration.

• Carry out IT General Control testing in accordance with the Assurance methodology, and evaluate the adequacy and effectiveness of internal controls relating to risks within those functional areas.
• Adopt a range of sources and methods to obtain knowledge and apply judgment based on sound business knowledge of day-to-day assurance review work; this includes identifying and assessing key risks and designing testing to assess the design and operating effectiveness of the key controls in place to mitigate risk.
• Collaborate with subject matter experts (SME) and other teams in integrated assurance reviews and actively contribute to the delivery of team plans in support of the functional and business strategies under limited supervision.
• Proactively develop and maintain professional consultative working relationships with the technology risk team, with internal stakeholders, and use a range of approaches to collect relevant and readily available information to assess risk, resolve issues or carry out tasks.
• Active engagement with team members for knowledge sharing.
• You will assist the team in any adhoc work and projects as assigned
• Job rotation may be required as and when (however, you will be advised accordingly)

• Minimum 3 to 5 years of IT audit experience, preferably from the financial industry or Big 4.
• Experience in application audit.
• Exposure to MAS Technology Risk Management guidelines is preferred.
• Sound knowledge of banking or technology processes, banking products and the overall industry.
• Experience in usage of data analytics for IT audit or assurance work will be a strong plus.
• Excellent communication skills (verbal, written and presentation) to deliver timely technology assurance reports to senior management and stakeholders.
• Strong relationship management, analytical, problem solving, communication, influencing, planning and presentation skills.
• Self-motivated and driven, able to work independently.
• Establish a good understanding of the relevant functional area's developments and is a keen learner to continuously develop relevant technical expertise.
• Able to work in a fast-paced business environment.
• Able to work in virtual, global teams in a matrix organisation, transfer knowledge and is a good team player.

At our organization, we help clients build trust and reinforce their competitive advantage by turning complexity into a driving force. We are a technologically forward-thinking network that empowers its people to excel.

Our Financial Services Assurance Practice assists organizations in strengthening trust and transparency by establishing, maintaining, and providing assurance over financial reporting in a rapidly changing, technology-driven world. As a leading practice in the region, our audit approach is at the forefront of best practices. We leverage our extensive industry knowledge to provide insights and empower our clients with leading technologies into market developments and global opportunities.

Key Responsibilities:

• Develop and manage projects to meet objectives and budget constraints
• Demonstrate expertise in risk management and deliver high-quality work
• Direct and coach junior team members
• Manage both internal and external stakeholders effectively
• Understand client needs and translate expectations into quality output/deliverables
• Address client needs by bringing relevant expertise from the firm to client discussions and converting service opportunities into proposals/business initiatives

Requirements:

• Relevant accounting qualifications
• 6-8 years of demonstrable experience in a similar role at a Big 4 accounting firm
• Experience in statutory and regulatory audits of Banking & Capital Markets, Insurance, and/or Asset Management clients
• Sound understanding of IFRS/SFRS and SAS/ISA. US GAAP knowledge is beneficial
• Excellent project management and team working skills
• Strong interpersonal, written, and verbal communication skills
• Ability to demonstrate an understanding of commercial issues facing businesses in this sector
• Effective day-to-day management of clients; building and maintaining client relationships is crucial

Key Responsibilities

• Conduct research on client background and key risks, including applicable MAS regulations for financial institutions.
• Manage and execute projects, performing risk assessments on key business activities and determining the scope of review in conjunction with clients' senior management.

Assistant Manager's responsibilities also include planning the audit approach and preparing the work program, overseeing delivery of audits from planning to completion, reviewing team members' work, coordinating kick-off meetings and other planning activities, leading interviews/workshops with key stakeholders/senior management and testing complex areas, facilitating and preparing written reports covering audit findings and proposing corrective action plans, supporting building and maintaining relationships with clients and assisting with business development, actively participating in issues discussions with client key stakeholders and seeking to understand broader impact of issues/gaps identified in audit reviews, and assisting in development of clients' portfolio by supporting business development, practice management and thought leadership activities.

• Recognised Bachelors or Master's degree in accounting, finance, business or related fields.
• At least 4 years of relevant experience gained in internal audit, risk/compliance in mid-tier or big public accounting firm.
• Professional qualification (CPA, CA, CIA) is highly preferred.
• Demonstrated good industry knowledge in financial services/banking, oil and gas, and others.
• Proven knowledge of internal audit standards (IIA) and good understanding of processes, risks, and controls.
• Knowledge of data analytical tools, IT in general, and application controls is desirable.
• Flexible mindset, creative approach, ability to think out-of-the-box, process-minded, organized, eye for detail, excellent analytical skills, able to work independently, highly motivated and a team player, strong written and verbal communication and presentation skills, fluent in English and Mandarin, both oral and written, excellent client management and communications skills, and experience working under high pressure and fast-paced environment.

Benefits

This role offers an exciting opportunity to contribute to the growth and success of our organisation. We offer a dynamic and supportive work environment, opportunities for professional development, and competitive remuneration packages. If you are looking for a challenging and rewarding career opportunity, please apply.

What We Offer

We provide our employees with a range of benefits and support, including flexible working arrangements, opportunities for training and development, and a comprehensive employee assistance programme. Our company values diversity and inclusion, and we welcome applications from candidates from diverse backgrounds. Apply today and take your first step towards a fulfilling and successful career.