Sales Field Risk Officer (Manila)

The Sales Field Risk/Fraud Officer is responsible for identifying, investigating, and mitigating risks and fraudulent activities within the assigned sales area. This role ensures that field operations and sales activities comply with company standards and risk management protocols. The officer will work closely with the Sales, Merchant Fraud, and Compliance teams to proactively prevent fraud, protect company assets, and maintain the integrity of sales operations.

Note: This is a field-based role. The position requires frequent on-site visits to stores, merchants, sales associates, and customer residences or areas as part of investigations and verification processes.

Key Responsibilities:

Risk Investigation and Analysis

• Investigate the causes and reasons for high-risk incidents or transactions within the assigned area.
• Analyze patterns or trends that may indicate potential fraud or operational lapses.
• Conduct on-ground validation and area checks for high-risk customers, merchants, or sales associates.
• Fraud Investigation and Verification.
• Conduct fraud investigations for reported or identified suspicious cases involving sales associates, merchants, or customers.
• Perform customer, barangay, and area verification visits for suspected fraudulent applications or activities.
• Coordinate with barangay officials or local authorities when necessary for information validation.

Risk Mitigation and Prevention

• Identify and recommend corrective actions for risk mitigation and fraud prevention.
• Collaborate with the Merchant Fraud Team in investigating fraud alerts or red flags raised from system monitoring.
• Partner with Sales Field Trainers and Area Managers to implement field-level corrective measures.
• Participate in mentoring or re-training Sales Associates on compliance and ethical selling practices.
• Conduct random spot checks or field audits to ensure adherence to sales and operational standards.

Reporting and Documentation

• Prepare comprehensive investigation reports with findings, conclusions, and recommendations.
• Maintain accurate and confidential records of investigations and supporting evidence.
• Provide timely reports on identified fraud cases and high-risk areas to management and concerned departments.

Collaboration and Communication

• Partner with Sales leadership to strengthen fraud prevention awareness across field teams.
• Share findings and insights to enhance company-wide risk mitigation efforts.
• Assist in conducting fraud awareness sessions, refresher training, or case study discussions.

Continuous Improvement

• Recommend process improvements to reduce risk exposure and improve fraud detection.
• Stay updated on emerging fraud schemes, trends, and industry best practices.

Qualifications:

• Bachelors Degree in Criminology, Business Administration, Risk Management, or related field.
• Ideally with 2 years of experience in fraud investigation, field audit, risk management, or sales operations.
• Background in financial services, lending, or fintech is an advantage.
• Strong investigative, analytical, and documentation skills.
• Excellent communication and interpersonal abilities.
• Must be willing to travel and perform extensive fieldwork including store visits, customer residence checks, and area validation.
• High level of integrity, confidentiality, and sound judgment.
• Proficiency in report writing.