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- Sentul","Role Purpose Support Financial Crime Surveillance by managing Law Enforcement Agency (LEA) requests and conducting investigations into potentially suspicious activities. The role is responsible for ensuring regulatory compliance, timely handling of law enforcement requests, accurate documentation, and preparation of Internal Suspicious Transaction Reports (INSTR) arising from transaction monitoring and investigative reviews. Role also includes process improvement project lead or support, as part of automation and agentic AI build. Key Responsibilities 1. Law Enforcement Agency (LEA) Request Management Manage the end-to-end handling of LEA requests received via the Electronic Financial Surveillance Application (EFSA), FINS, email, and other ad hoc channels, ensuring timely execution and compliance with regulatory requirements. Key duties include: Receive and review LEA requests submitted through EFSA, FINS, email, and other approved channels. Validate the authenticity, scope, and requirements of requests against regulatory and internal policy obligations. Record and maintain accurate request details and supporting documentation for audit trail purposes. Conduct customer information searches, account reviews, and disclosure-related activities in accordance with approved procedures. Prepare and submit responses, information disclosures, and status updates to relevant law enforcement authorities within stipulated timelines. Monitor requests through to closure and ensure proper documentation retention. Manage multiple requests concurrently while meeting regulatory turnaround times and service standards. 2. Internal Suspicious Transaction Reporting (INSTR) Identify, assess, investigate, and document potentially suspicious activities in a timely and accurate manner through transaction reviews and investigative analysis. Key duties include: Review escalated alerts and unusual customer activities identified through transaction monitoring systems and internal referrals. Conduct investigations by gathering and analyzing relevant customer, account, and transactional information. Assess potential money laundering, fraud, sanctions, or other financial crime risks based on available evidence. Document investigative findings accurately and maintain complete records of investigative actions taken. Prepare comprehensive Internal Suspicious Transaction Reports (INSTR) with clear rationale, supporting evidence, and recommendations. Escalate potentially suspicious cases to designated reviewers or stakeholders for further assessment and decision-making. Ensure investigations and reporting activities are performed in accordance with regulatory requirements, internal policies, and established procedures. 3. Analytics and Projects Provide analytics and insights on surveillance outcomes of the bank Support requests by regulators or other authorities Lead or support, depending on the need of the project, where transaction monitoring\u002F any surveillance activities is expected Lead automation or agentic AI projects in surveillance, to increase productivity and efficiency of the team. Key Requirements Experience in Financial Crime Compliance, AML\u002FCFT, Fraud Investigations, Transaction Monitoring, KYC\u002FCDD, or related operational compliance functions. Strong analytical and investigative skills with attention to detail. Ability to interpret regulatory requirements and apply them in operational processes. Experience handling sensitive and confidential information. Strong written and verbal communication skills. Ability to manage multiple priorities and meet strict regulatory deadlines. Proficiency in documentation, report writing, and stakeholder management. Preferred Experience Exposure to LEA request handling, regulatory disclosures, or law enforcement engagement. Experience reviewing transaction monitoring alerts and preparing suspicious activity reports. Banking, financial services, fintech, or financial crime compliance background preferred. JR00000651 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":404,"slug":405,"title":406,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":664},"About Ryt Bank At Ryt Bank, we're not just building a bank; we're crafting the future of fintech. We're a dynamic team of innovators, driven to empower our customers with cutting‑edge financial solutions. We thrive on collaboration, embrace change, and are committed to fostering a culture where you can make a real impact. Join us as we redefine the banking experience. Job Summary The Regulatory Compliance Officer plays a pivotal role in safeguarding Ryt Bank’s regulatory integrity by providing independent oversight, trusted advisory, and forward‑looking regulatory insights. This role partners closely with Management, the Board, business teams, and regulators to ensure the Bank operates in line with regulatory expectations—while enabling responsible innovation and sustainable growth. Your Role at Ryt Bank Regulatory Oversight & Advisory Provide meaningful, independent, and objective oversight to Management and the Board of Directors, ensuring reasonable assurance on the Bank’s regulatory compliance posture. Serve as a trusted advisor on the interpretation and applicability of regulatory requirements, recommending appropriate approaches and actions to meet regulatory expectations. Collaborate with Business Units and control functions—including Risk and Legal—to provide guidance on regulatory matters and to support new products, services, and initiatives. Establish, maintain, and periodically review Compliance policies and procedures to ensure alignment with applicable regulatory requirements. Review and validate policies and procedures belonging to other business units to ensure regulatory consistency and control alignment. Regulatory Change Management & Compliance Risk Monitor regulatory developments to identify new, evolving, or emerging compliance risks. Maintain comprehensive and up‑to‑date regulatory trackers covering policy documents, guidelines, supervisory communications, and regulatory correspondences. Proactively manage and mitigate compliance risks through structured gap assessments and execution of periodic compliance reviews, validations, and testing. Compliance Reporting Prepare and present periodic compliance reports to Management Committees and the Board of Directors. Highlight key compliance matters, regulatory expectations, and significant developments—including timely progress updates and remediation status. Deliver insightful trend analyses and commentary to support informed decision‑making. Provide forward‑looking regulatory anticipation on new, upcoming, or revised regulations that may impact Ryt Bank’s operations. Compliance Culture & Conduct Foster a strong compliance culture and conduct mindset across the organisation. Design and deliver targeted compliance training and awareness programmes through classroom sessions, online modules, or curated stakeholder‑specific learning engagements. Regulatory Engagement Maintain open, transparent, and constructive relationships with Bank Negara Malaysia (BNM) and other relevant regulatory authorities. Coordinate and manage regulatory engagements, ensuring all requests and submissions are handled accurately, comprehensively, and within required timelines—with input from relevant internal teams. What We Are Looking For Bachelor’s Degree with 7 to 12 years of relevant experience in banking or financial services. Compliance‑related professional certifications or accreditations are an added advantage. Strong capability in interpreting, applying, and operationalising regulatory requirements applicable to banking, with experience engaging regulatory authorities and\u002For prior experience in a regulatory agency. Ability to grasp complex regulatory issues quickly, formulate well‑considered solutions, and manage multiple regulatory workstreams concurrently. Excellent written and verbal communication skills, with the ability to engage and influence stakeholders across all levels of the organisation. Benefits Be part of a fast‑growing digital bank that values innovation and a people‑first culture. Gain exposure to diverse regulatory topics and compliance transformation initiatives. Opportunity to collaborate with dynamic leaders and cross‑functional teams. Enjoy a competitive compensation package and structured career development pathways. What We Value Revolutionary in our thinking Innovative in our products, services, and ways of working Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000641 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":381,"slug":382,"title":383,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":667},"KL - Headquarter","The AML Risk Advisory Specialist serves as a core subject matter expert within the Second Line of Defence (2LoD), providing dedicated risk-based guidance on Anti-Money Laundering (AML), Countering the Financing of Terrorism (CFT), Countering Proliferation Financing (CPF), and Targeted Financial Sanctions (TFS). This position is responsible for analyzing complex risk parameters, evaluating high-risk customer profiles, and advising business lines on effective risk mitigation strategies. This role reports directly to the Financial Crime Risk Lead, who reports to the Chief Risk Officer (CRO). Key Responsibilities Risk Advisory & Case Governance High-Risk Onboarding & Reviews: Conduct technical risk assessments and support analysis for sign-off for High-Risk Customers (HRC), Politically Exposed Persons (PEPs), and structurally complex legal entities or trusts. Escalation & Parameter Management: Analyze complex escalations involving Sanctions screening, adverse media, and material negative news, establishing clear risk recommendations for Business Units (BUs). Onboarding Risk: Evaluate risk parameters and dictate control expectations for customer onboarding, electronic Know Your Customer (e-KYC) variations, and digital channels. Monitoring and Reviews: Perform vendor name screening reviews, STR approvals Analytics – Work with Operations and Intelligence PICs to introduce \u002F review monitoring scenario \u002F rules, including testing. Product, Channel, & Third-Party Assessments New Product Approvals (NPA): Review and evaluate AML\u002FCFT\u002FCPF risks for all new product launches, digital deployment channels, and payment modifications prior to market release. Outsourcing & Third-Party Due Diligence: Perform independent risk assessment reviews and due diligence on third-party service providers, agents, and outsourced operational functions. Other Assessments: Review or perform Periodic\u002Fadhoc assessments, depending on the needs and requirements. AML Systems and Thresholds Maintenance AML Module - Screening, Transaction Monitoring- Work with vendors and internal engineers on configurations in UAT and production environments, implementation and deployment of changes, perform testings and validations together with ops and intelligence team. Testing, Governance, & Reporting Regulatory Liaison Support: Support the Financial Crime Risk Lead during inspections, audits, and inquiries conducted by Bank Negara Malaysia (BNM) or other local statutory bodies. Assurance Testing & Monitoring (CTM): Plan and execute periodic, targeted 2LoD assurance testing programs to verify that First Line of Defence (1LoD) financial crime controls function optimally. Enterprise Risk Assessments: Provide data, analytics, and risk insights to drive the annual Enterprise-Wide Risk Assessment (EWRA) and compile recurring Management Information (MI) reports for risk committees. Committee support: - Secretariat to FRAML Committee, FCR main contact for all management and board committee matters. Framework Maintenance & Training Policy Implementation: Assist in updating internal policies, Customer Acceptance Procedures, and specific AML\u002FCFT guidelines to directly align with the latest BNM Policy Documents and FATF standards. Targeted Training: Design and deliver specialized AML Risk training sessions tailored to high-risk business lines and frontline operations. Required Skills & Qualifications Experience & Education Education: Bachelor’s degree in Risk Management, Law, Finance, Accounting, Business, or a related discipline. Experience: >10 years of specialized financial crime experience in AML\u002FCFT advisory, risk management, or compliance audit within the Malaysian financial sector (Banking, Digital Bank, Fintech, or Insurance). Regulatory Knowledge: Deep understanding of Malaysian anti-money laundering legislation, specifically the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA) and the updated BNM Policy Document on AML\u002FCFT\u002FCPF and TFS. Technical Certifications & Competencies Professional Certification: Professional credential such as CAMS (Certified Anti-Money Laundering Specialist), ICA (International Compliance Association) Advanced Certificate\u002FDiploma, or equivalent industry-recognized qualifications is a plus. Analytical Skills: Advanced ability to analyse and interpret data for monitoring, prevention and detection, analysing corporate shareholding structures, determine ultimate beneficial ownership (UBO), and isolate complex money laundering typologies. Stakeholder Management: Exceptional communication skills to deliver a balanced but effective challenge mechanism to business units regarding their choice of client risk profiles. JR00000642 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":244,"slug":245,"title":246,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":669},"The Model Risk Management (MRM) Specialist operates within the Second Line of Defence (2LoD) to manage, validate, and mitigate risks arising from the bank's mathematical, statistical, and Artificial Intelligence (AI\u002FML) models. This role focuses on ensuring that traditional quantitative models (e.g., credit risk, stress testing) and advanced AI systems (e.g., Generative AI, LLMs, machine learning credit scoring) are conceptually sound, compliant with regulations, and governed ethically. This position reports directly to the Chief Risk Officer. Key Responsibilities Model Validation & Conceptual Review Technical Validation: Conduct independent technical validations of high-risk models, including credit risk models, Expected Credit Loss (MFRS9) models , market risk, AML transaction monitoring, and financial forecasting systems. AI & Machine Learning Assessment: Review and challenge advanced AI algorithms, including deep learning, NLP, and Generative AI models. Assess data lineage, hyperparameter tuning, and training methodology. Explainability & Bias Mitigation: Evaluate AI models for explainability (XAI), interpretability, algorithmic bias, data drift, and ethical implications. Ensure models do not produce discriminatory outcomes. Governance, Inventory & Documentation Model Inventory Control: Maintain and update the comprehensive Bank-Wide Model Inventory, ensuring all traditional and AI\u002FML models are properly tiered by risk level. Documentation Standards: Produce comprehensive validation reports documenting methodology, findings, and recommendations in line with the Bank's validation standards; present findings to the model development team and escalate material issues to CRO and RMC, BRMC; Assist in preparing model risk governance materials for the Risk Management Committee, including validation summaries and model risk status updates Performance Monitoring: Establish metrics to monitor ongoing model performance, data drift, and model decay, triggering re-validation or remediation when thresholds are breached. Support the model risk governance process by tracking open findings and action plans, following up with model owners on remediation timelines, and flagging overdue items. Regulatory Compliance & Strategic Risk Framework Alignment: Ensure the bank’s model inventory complies with global and regional regulatory expectations, including Bank Negara Malaysia (BNM) frameworks (e.g., Credit Risk, Risk Governance Policy Documents), MFRS, and emerging AI Governance Frameworks. Effective Challenge: Deliver an independent, constructive, and rigorous \"effective challenge\" to data scientists, quantitative developers, and First Line (1LoD) business owners regarding model limitations and risks. Committee Reporting: Prepare clear validation reports and synthesize complex technical vulnerabilities into executive summaries for the Risk Committee (MRC) and Chief Risk Officer (CRO). Required Skills & Qualifications Education & Experience Education: Master’s degree or PhD in a highly quantitative field such as Statistics, Mathematics, Financial Engineering, Data Science, Computer Science, or Econometrics. Experience: >5 years of experience in model validation, quantitative risk management, or advanced data science within a banking, financial institution, or financial consulting environment. Technical & Core Competencies Programming Proficiency: Advanced hands-on coding skills in Python, R, SQL, or SAS for data manipulation and statistical replication. AI\u002FML Frameworks: Practical familiarity with machine learning libraries and frameworks (e.g., Scikit-learn, TensorFlow, PyTorch) and automated validation tools. Banking Domain Knowledge: Deep comprehension of financial products, risk metrics (PD, LGD, EAD), stress testing methodologies, and economic capital modeling. Communication: Ability to articulate complex mathematical and algorithmic concepts clearly to non-technical business stakeholders and senior executives JR00000653 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":308,"slug":309,"title":310,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":671},"Support initiatives involving operational reporting, process documentation, AI and automation projects, audit and compliance activities, and continuous improvement efforts. JR00000650 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":351,"slug":352,"title":353,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":673},"About Ryt Bank Ryt Bank is the world's first AI-powered digital bank, redefining the future of financial services through technology, data, and innovation. As a licensed digital bank regulated by Bank Negara Malaysia (BNM) and currently operating within the foundational phase of our licensing framework, we are on a deliberate path to graduate from this phase within five years while maintaining a clear and credible trajectory toward profitability. Our Finance team plays a critical role in this journey, ensuring the Bank maintains strong financial discipline, robust balance sheet management, and scalable finance capabilities that support sustainable growth. Through close partnership with Treasury, Risk, Product, Data, and Technology teams, Finance provides the insights and governance needed to balance growth ambitions with prudent financial and regulatory management. Role Overview This role sits at the intersection of Balance Sheet Management, Product Profitability, Treasury Finance, and Finance Systems. Reporting into Head of Financial Control & Reporting, the successful candidate will play a key role in ensuring the Bank maintains a well-managed balance sheet, effective capital deployment, and a robust profitability framework across products and business lines. This is a hands-on role requiring strong analytical rigour, commercial acumen, and the ability to navigate a fast-evolving digital banking environment. The successful candidate will work closely with Treasury, Risk, Product, Technology, and Data teams to deliver actionable insights, strengthen financial transparency, and continuously enhance the Bank's systems, reporting, and decision-making capabilities. Key Responsibilities Balance Sheet Management (BSM) Support the Bank's Balance Sheet Management framework by monitoring liquidity, funding, interest rate risk, capital utilisation, and overall balance sheet positioning. Partner closely with Treasury and Risk teams to support effective Asset and Liability Committee (ALCO) governance, reporting, and decision-making. Perform ongoing analysis of key balance sheet metrics, proactively identifying emerging trends, risks, and opportunities that may impact the Bank's financial position. Develop scenario analyses and financial models to assess the impact of market movements, funding strategies, product growth, and capital actions on profitability and regulatory metrics. Prepare management dashboards, performance reports, and analytical insights to support balance sheet optimisation and strategic planning activities. Contribute to the continuous enhancement of balance sheet management methodologies, ensuring alignment with regulatory expectations and industry best practices. Product Control & Commercial Finance Develop a deep understanding of the Bank's products, customer propositions, and commercial drivers, assessing their impact on profitability, funding requirements, and balance sheet structure. Support new product initiatives by providing financial assessments, profitability analysis, and balance sheet impact evaluations throughout the product development lifecycle. Partner with Product, Treasury, Operations, and Finance teams to ensure new products are appropriately configured within Workday and relevant financial systems. Establish appropriate financial controls, reporting structures, and performance monitoring mechanisms for both existing and new product offerings. Funds Transfer Pricing (FTP) & Product Profitability Own the development, maintenance, and enhancement of the Bank's Funds Transfer Pricing (FTP) framework, ensuring appropriate allocation of funding costs and benefits across products and business units. Deliver timely and accurate product profitability reporting to support business performance monitoring and strategic decision-making. Collaborate closely with Treasury, Finance, Technology, and Data teams to strengthen FTP methodologies, automate calculations, and improve reporting efficiency. Perform reconciliations between source systems, data warehouses, and finance records to ensure the completeness, integrity, and accuracy of profitability reporting. Finance Systems & Process Improvement Support the implementation, enhancement, testing, and ongoing maintenance of Workday Finance and related financial platforms. Maintain robust documentation, governance standards, operating procedures, and change management records to support system integrity and audit readiness. Identify opportunities to automate manual processes, improve data quality, and enhance reporting capabilities across Treasury, Finance and Balance Sheet Management activities. Drive continuous process improvements that increase efficiency, strengthen controls, and support the scalability of Finance operations. Build strong working relationships across Treasury, Risk Management, Product, Technology, Operations, Data, and Finance teams to deliver integrated solutions and support strategic initiatives. Business Partnering & Strategic Projects Act as a trusted finance partner by providing insights and recommendations that support commercial and strategic decision-making. Support management, Board, and regulatory reporting requirements relating to balance sheet performance, profitability, and capital management. Contribute to strategic initiatives, transformation programmes, and special projects as directed by Finance leadership. Undertake ad hoc analysis and assignments in support of the Bank's evolving business priorities and growth objectives. Qualifications & Experience Bachelor's degree in Finance, Accounting, Economics, Statistics or a related discipline. Professional qualification in finance, accounting, or risk management (ACCA, CPA, CFA, FRM, ACT, or equivalent) is preferred. Minimum 5-8 years of relevant experience in Balance Sheet Management, Treasury Finance, Asset & Liability Management (ALM), Product Control, or a related finance function. Strong understanding of balance sheet management concepts, including liquidity risk management, interest rate risk in the banking book (IRRBB), funds transfer pricing (FTP), capital management, and ALM frameworks. Experience supporting ALCO reporting, product profitability analysis, treasury finance reporting, or financial performance management within a financial institution. Hands-on experience with ERP and finance systems such as Workday or equivalent platforms, with exposure to finance transformation or systems implementation initiatives being an advantage. Advanced analytical and financial modelling skills, with strong proficiency in Excel and experience working with large datasets, reporting tools, and data warehouses. Experience within a banking, financial services, or regulated financial institution environment is strongly preferred, particularly within a high-growth, digital, or evolving operating environment. JR00000645 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":272,"slug":273,"title":274,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":675},"Position Summary We are a pioneering, licensed Malaysian digital bank entering our second year of commercial operations. Having successfully launched our initial wave of financial products, we are rapidly scaling our digital ecosystem to serve Malaysia's retail and non-retail segments. Operating in a fast-paced environment where agility and automation are paramount, we are seeking a highly adaptable and versatile Non-Financial Risk Specialist who will support the Non-Financial Risk Lead in strengthening the Bank’s Operational and Non-Financial Risk Management practice across the organization. This role will drive the design, implementation, and continuous enhancement of risk frameworks, governance, methodologies, and reporting capabilities to ensure the Bank maintains a strong and resilient control environment in line with regulatory expectations. The role acts as a trusted advisor to business and support functions on operational and non-financial risk matters, while enabling innovation, digital transformation, and sustainable growth through proactive risk management. Key Responsibilities 1. Operational & Non-Financial Risk Support the Bank’s Operational Risk function and drive enterprise-wide non-financial risk initiatives, including emerging risks. Develop, maintain, and continuously enhance forward-looking risk frameworks aligned with Bank Negara Malaysia (BNM) regulatory expectations and industry best practices. Evolve methodologies and practices to address the changing risk landscape, including digital, technology, and operational risks. Provide advisory and guidance to all business and support functions on Operational and Non-Financial Risk matters. Produce high-quality Operational Risk reporting for Senior Management, Board Committees, and Bank Negara Malaysia (BNM). Deliver forward-looking insights on risk trends, control weaknesses, and emerging threats impacting the Bank. 2. Risk Frameworks, Policies & Governance Maintain and enhance Operational Risk policies, frameworks, procedures, and governance processes, including: Risk & Control Self-Assessment (RCSA) Key Risk Indicators (KRI) Operational Risk Event Management Outsourcing & Third-Party Risk Management Ensure strict alignment with applicable BNM regulatory requirements, including Risk Governance, Outsourcing, and related guidelines. Oversee governance and maintenance of Bank-wide policies, procedures, and documentation standards. Drive consistency, effectiveness, and accountability in risk management practices across the organization. 3. New Products & Business Initiatives Establish and operationalize robust risk assessment frameworks for: New product approvals and product variations New business initiatives System implementations and process changes Ensure risks are proactively identified, assessed, mitigated, and appropriately controlled prior to implementation. Partner closely with business, product, technology, compliance, and operations teams to support safe and sustainable innovation. 4. Third-Party Risk Management (TPRM) Support and guide end-to-end Third-Party Risk Management practices across the Bank. Ensure compliance with applicable regulatory requirements while implementing effective methodologies to identify, assess, monitor, and manage third-party risk exposure. Oversee key TPRM pillars: Vendor due diligence and onboarding Risk assessments and control reviews Ongoing monitoring and performance oversight Periodic testing and reviews of TPRM effectiveness Support business stakeholders in strengthening vendor governance and risk management practices. 5. Technology, Cyber & Data Risk Integrate technology, cyber, and data risk considerations into the Bank’s Operational Risk framework in alignment with BNM RMiT (Risk Management in Technology) requirements. Collaborate closely with Technology Risk, Information Security, and Technology teams to strengthen the overall control environment. Support oversight of technology-related operational risks arising from digital banking operations, cloud services, outsourcing, and emerging technologies. 6. Business Continuity & Resilience Support operationalization of the Bank’s risk incident management framework by ensuring relevant functions effectively manage: Risk event identification and reporting Incident registration and tracking Root cause analysis Corrective and preventive remediation actions Work with and Support Business Continuity & Crisis Management (BCCM) team’s efforts to enhance organizational resilience and regulatory compliance. Areas include: Business Continuity Management (BCM), Disaster Recovery (DR), and Crisis Management design and activities Ensure effective ORM oversight, monitoring, and reporting of resilience-related risks and incidents. 7. ESG & Emerging Risks Incorporate ESG-related risk considerations into the Bank’s Non-Financial Risk framework where applicable. Monitor, assess, and provide insights on emerging risks impacting the banking and digital ecosystem. Develop and enhance risk management approaches to address evolving regulatory, operational, and strategic risks. Work closely with Financial Risk team to identify and assess financial impact of such risks. 8. Risk Systems, Transformation & AI Enablement Drive implementation and enhancement of Operational Risk systems, tools, and data capabilities. Lead risk transformation initiatives to improve efficiency, scalability, and effectiveness of risk management processes. Leverage automation, AI enablement, and data analytics to strengthen risk identification, monitoring, reporting, and decision-making capabilities. Continuously enhance risk infrastructure and reporting capabilities across the Bank. 9. Stakeholder Engagement & Risk Culture Provide advisory, training, and guidance to business and support functions on Operational and Non-Financial Risk matters. Develop impactful training materials and presentations to strengthen risk awareness and accountability. Collaborate closely with business, compliance, technology, operations, and support teams to embed effective risk management practices. Promote and cultivate a strong risk culture across the organization. Requirements Education & Experience Education: Bachelor’s degree in Finance, Accounting, Risk Management, Business, Information Systems, or related disciplines. Experience: 2-8 years of relevant experience in Operational Risk and\u002For Non-Financial Risk Management within banking or financial services. Hard Skills & Competencies Regulatory Knowledge: Strong knowledge of BNM regulatory requirements, including RMiT, Outsourcing, Risk Governance, and Operational Risk Management. Core Competencies: Hands-on experience in RCSA, KRI development\u002Freporting, incident and loss event management, regulatory reporting, and Third-Party Risk Management. Preferred Skills: Exposure to ESG risk management, Technology Risk, and digital banking environments. Multi-Product Knowledge: Proven ability to understand the risk dynamics of both high-volume digital retail deposits\u002Floans and SME\u002Fcommercial financing, any other bank product offerings Tech Comfort: Familiarity with modern data visualization tools, systems implementation, workflow automation, or AI enablement. Soft Skills & Culture Fit Versatility: Willingness to operate as a \"player-coach\" - capable of planning high level programmes \u002F strategies while also able to execute the same Meticulous & Structured: Strong organizational skills to manage a broad coverage of work. Excellent Communicator: Highly collaborative and willing to engage across functions and seniority levels. Strong communication and presentation skills, with the ability to articulate risks, provide recommendations, and share clear points of view to drive practical solutions. Positive outlook and inquisitive: Self-driven, analytical, and comfortable operating in a fast-paced, evolving environment. Success Measures Framework Maturity: Strength and maturity of the Bank’s Non-Financial Risk frameworks and governance practices. Regulatory Compliance: Positive outcomes and Clean bills of health from internal\u002Fexternal audits and regulatory assessments. Reporting Quality: Accuracy, timeliness, and actionable depth of risk reporting and management information. Innovation & Efficiency: Successful implementation of risk systems, workflow automation, and efficiency gains. Risk Culture: Measurable strengthening of the organizational risk culture and high levels of stakeholder engagement. Proactive Mitigation: Improved visibility, management, and reduction of emerging and operational risks across the Bank. What’s In It For You? The opportunity to shape the foundational risk architecture of a live digital bank. A high-visibility role across the Bank at all levels A vibrant start-up culture that champions intellectual excellence, execution speed and collaboration. Be at the forefront of advanced risk technology adoption. JR00000652 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":10,"slug":11,"title":12,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":677},"About the role This role is responsible for managing end-to-end card settlement and reconciliation activities, including the handling of customer inquiries related to card management. The role ensures timely, accurate, and efficient processing of card-related operations in accordance with established operational procedures, service level agreements, and internal control standards. In addition, this role will provide guidance and operational support to Card & Credit Lending Operations team, manages operational investigations and exception cases, supports risk and control initiatives, and serves as a key liaison for internal stakeholders. Key Responsibilities · Perform and manage daily card settlement and reconciliation activities for debit and credit card transactions. · Investigate and resolve reconciliation breaks, settlement exceptions, transaction disputes, and operational issues within agreed service levels. · Monitor settlement accounts and ensure accurate reconciliation with card schemes and internal records. · Manage card-related operational activities, including card issuance, replacement, renewal, maintenance, and customer requests. · Handle investigations and exception management for card transactions and operational discrepancies. · Provide guidance and support to Operations on daily operational matters. · Prepare operational, reconciliation, and management reports. · Support risk, audit, and compliance reviews, ensuring adherence to policies and procedures. · Collaborate with internal stakeholders to resolve issues and improve operational effectiveness. · Participate in process improvement and automation initiatives. Key Accountabilities · Accurate and timely completion of settlement and reconciliation activities. · Prompt resolution of outstanding reconciliation items and operational exceptions. · Compliance with internal policies, regulatory requirements, and audit standards. · High-quality service delivery to internal and external stakeholders. · Maintenance of a strong operational risk and control environment. Qualifications & Experience · Bachelor's Degree in Business, Finance, Banking, Accounting, or a related discipline. · 3-5 years of experience in card operations, settlement, reconciliation, payment operations, or banking operations. · Experience in handling investigations, exception management, and operational controls is an advantage. Skills & Competencies · Strong analytical and problem-solving skills. · Good understanding of card payment operations and reconciliation processes. · Knowledge of operational risk, compliance, and control requirements. · Attention to detail with a high level of accuracy. · Good communication and stakeholder management skills. · Ability to work independently and manage multiple priorities. Key Performance Indicators (KPIs) · Settlement and reconciliation completed within SLA. · Timely resolution of exceptions and investigations. · Accuracy level of operational processing and reporting. · Compliance findings and audit observations. · Stakeholder satisfaction and service quality metrics. JR00000667 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":172,"slug":173,"title":174,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":679},"About the role: To perform day-to-day payment operations activities for Business & Retails Banking customers, ensuring transactions are processed accurately, efficiently, and within agreed service levels. The role is responsible for payment processing, transaction verification, reconciliation, exception handling, and timely resolution of operational issues while maintaining strong risk and control standards. Key Responsibilities Payment Processing • Process and verify business banking payment transactions in accordance with approved procedures and customer instructions. • Handle RPP payments, fund transfers, GIRO and RENTAS instructions, and other applicable payment transactions. • Ensure payments are processed within applicable cut-off times and service-level agreements. • Perform maker\u002Fchecker activities and transaction verification where required. • Monitor payment queues and follow up on pending, rejected, or incomplete transactions. Payment Investigation & Exception Handling • Investigate rejected, returned, failed, or delayed payments and take appropriate corrective action. • Handle payment recalls, amendments, cancellations, and payment-related enquiries. • Liaise with internal teams and relevant payment service providers or correspondent banks to resolve payment issues. • Escalate complex or unusual cases to the Senior Officer or Team Lead. Reconciliation & Controls • Perform daily reconciliation of payment transactions and investigate outstanding items or discrepancies. • Ensure all transactions are properly accounted for and supporting documentation is maintained. • Follow established operational controls, procedures, and segregation-of-duty requirements. • Escalate operational risks, control gaps, and potential suspicious activities through the appropriate channels. Customer & Stakeholder Support • Support Relationship Managers, Customer Service, Product, Compliance, Finance, and other internal stakeholders on payment-related matters. • Provide timely updates on payment status and investigations. • Ensure business customer enquiries are handled professionally and within agreed turnaround times. Process Improvement • Identify recurring operational issues and suggest improvements to reduce errors and manual processing. • Participate in system testing, process changes, product launches, and operational projects when required. • Maintain up-to-date knowledge of payment processes, procedures, and relevant regulatory requirements. Requirements • Bachelor's degree in Banking, Finance, Accounting, Business, or related discipline. • 1–3 years of relevant experience in banking operations, payment operations, transaction banking, or financial services. • Basic knowledge of payment processing and settlement. • Good analytical and problem-solving skills. • Strong attention to detail and ability to work under time-sensitive conditions. • Good communication and stakeholder-management skills. • Good working knowledge of Microsoft Office, particularly Excel. • Ability to work independently as well as part of a team. JR00000659 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":76,"slug":77,"title":78,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":681},"Role Purpose: The Level 2 FRAML Analyst is responsible for conducting in-depth investigations of escalated fraud and AML cases, ensuring accurate assessment of suspicious activities, and determining appropriate actions in line with regulatory requirements and internal policies. The role supports the bank’s financial crime prevention efforts through detailed analysis, decision-making, and escalation of confirmed risks. Key Responsibilities: Conduct in-depth investigations on escalated fraud and AML cases from Level 1 screening. Perform detailed analysis of complex transaction patterns, account linkages, and customer behaviours, including raising Requests for Information (RFI) to customers when necessary. Assess and validate suspicious activity indicators to determine risk severity and typology. Prepare investigation reports with a clear rationale for escalation, closure, or filing of INSAR, and recommend and initiate appropriate actions, including account restrictions, enhanced monitoring, or further case escalation. Liaise with internal stakeholders (AML Compliance, Risk, Legal, and Business Units) for case resolution. Handle special investigative requests such as law enforcement support. Identify emerging fraud\u002FAML trends and contribute to rule tuning and scenario enhancements. Ensure strict adherence to SOPs, regulatory requirements, and internal governance standards. Maintain high-quality documentation to support audit and regulatory reviews. Key Requirements: A bachelor’s degree in any discipline. 2–5 years of experience in AML investigations, fraud investigations, or financial crime compliance. Strong understanding of AML\u002FCFT regulations, fraud typologies, and transaction monitoring concepts. Experience in handling complex investigations, including account link analysis and behavioural pattern detection. Familiarity with INSAR reporting processes and regulatory expectations. Ability to perform deep-dive analysis on large and complex datasets. Strong investigative mindset with excellent critical thinking and attention to detail. Experience in handling customer RFIs and drafting clear, concise investigation narratives. Good written and verbal communication skills, with the ability to articulate findings clearly. Ability to work independently while managing multiple high-priority cases under tight SLAs. High level of integrity, professionalism, and ability to handle sensitive and confidential information. Willingness to work in a fast-paced financial crime operations environment. JR00000665 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":100,"slug":101,"title":102,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":683},"Role Purpose: The role is responsible for performing Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and Ongoing Due Diligence (ODD) to ensure customers are properly identified, risk-assessed, and continuously monitored in accordance with AML\u002FCFT regulatory requirements and internal policies. Key Responsibilities: Perform onboarding due diligence for individual and corporate customers, including KYC verification, sanctions\u002FPEP\u002Fadverse media screening, and customer risk profiling, while identifying and escalating any inconsistencies or red flags during onboarding Conduct EDD for high-risk customers such as PEPs, customers from high-risk jurisdictions, and complex ownership structures, including analysis of Source of Funds (SOF), Source of Wealth (SOW), adverse media review, and providing clear risk assessment and onboarding recommendations Perform ODD through periodic and trigger-based KYC reviews (e.g., unusual transactions, profile changes, system alerts), ensuring customer information remains accurate and risk ratings are regularly reassessed based on behavioral and transactional changes Apply a risk-based approach in evaluating customer profiles and activities, escalating high-risk or suspicious cases to Compliance, and supporting decisions on account restriction, monitoring, or closure where necessary Maintain accurate, complete, and audit-ready case documentation, ensuring compliance with AML\u002FCFT policies, internal SOPs, and regulatory requirements, and supporting internal and external audit requests when required Collaborate closely with onboarding, fraud, transaction monitoring, and compliance teams, provide insights on emerging risk trends and typologies, and support continuous process improvement and operational efficiency initiatives Key Requirements: Degree in Finance, Business, Law, or related field 2–5 years’ experience in AML, CDD, EDD, or financial crime roles (senior level requires more experience) Banking, fintech, or regulatory background preferred Strong understanding of AML\u002FCFT regulations Knowledge of KYC\u002FCDD\u002FEDD frameworks and risk-based approach Analytical and investigative skills Strong attention to detail and documentation skills. Good written and verbal communication skills. Ability to work in a fast-paced, high-volume environment. JR00000663 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":126,"slug":127,"title":128,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":685},"Are you an experienced AML professional ready to take the next step in leading a Customer Due Diligence team? Join us as Team Lead CDD & EDD Operations within the FRAML umbrella! In this role, you'll provide day-to-day supervision of a team of CDD\u002FEDD\u002FODD analysts, review and quality-check complex cases, and act as the first point of escalation for the team while supporting your Manager\u002FSenior Manager in driving operational performance. Responsibilities: 1. Team Supervision: Supervise the daily activities of a team of CDD\u002FEDD analysts, monitoring case allocation and workflow to ensure SLAs are met. Act as first point of contact for team queries, providing guidance on complex or ambiguous cases. Support onboarding, coaching, and on-the-job training of new and existing team members. 2. Case Review & Quality Checks Review and approve CDD and EDD cases handled by the team, including higher-risk and PEP profiles, within delegated authority limits. Conduct sample-based quality checks on completed cases to ensure accuracy, consistency, and adherence to policy. Provide feedback to analysts on errors or gaps identified during review, and track remediation. 3. Escalation Handling: Review escalated potential name matches, suspicious activity indicators, and adverse media findings from the team. Assess and recommend escalation to the Manager\u002FFCR \u002FCompliace for cases requiring INSAR\u002FINSTR filing or further investigation. Ensure escalations are documented and progressed within required timeframes 4. Process Automation & Data Tools: Design and build Python scripts and Excel Macros\u002FVBA to automate repetitive tasks such as data extraction, name screening consolidation, case tracking, and MI reporting. Identify manual, time-consuming processes within the team's workflow and propose automation solutions to improve turnaround time and reduce human error. Maintain and troubleshoot existing automation tools\u002Fscripts used by the team, ensuring continuity if the tool owner is unavailable. Partner with IT\u002FDigital teams where needed to scale automation solutions beyond team-level tools. 5. Process & Performance Monitoring: Track team productivity, case aging, and backlog, and report status to the Manager. Suggest process improvements based on day-to-day observations and team feedback. Assist in implementing changes to procedures as directed by Compliance or Manager. Support the Manager in preparing case files or evidence for internal reviews when required. Requirements: 4–7 years of experience in AML\u002FCDD\u002FEDD operations or financial crime compliance, with some experience supervising or mentoring junior staff preferred. Solid working knowledge of AML\u002FCFT regulations, sanctions screening, and risk-based due diligence methodologies. Hands-on experience with Python (e.g. automation scripting) and Excel Macros\u002FVBA for process automation and reporting. Experience handling escalations and reviewing higher-risk or complex customer cases. Good coaching and team-support skills, with the ability to guide junior analysts. Strong analytical and decision-making skills with high attention to detail. Effective communication skills, both written and verbal, for internal and cross-team coordination. Relevant certification (e.g., CAMS, ICA) is an advantage JR00000658 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":50,"slug":51,"title":52,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":687},"The Independent Credit Review & Model Risk Management lead is a dual-responsibility portfolio operating within the Second Line of Defence. The successful candidate will independently evaluate the quality of credit underwriting, asset classification, and credit management practices to ensure adherence to internal guidelines and BNM’s Policy Document on Credit Risk. Concurrently, the role is tasked with governing the institution's Model Risk Management Framework, providing rigorous pre-implementation and periodic post implementation validation for all credit and risk scorecards, IFRS 9 \u002F MFRS 9 engines, and automated decision-making models. This role provides an independent and countervailing perspective on credit and model-driven decisioning to the Senior Management and Board Committees. Key Responsibilities 1. Independent Credit Review (ICR) Role (BNM Credit Risk Policy Alignment) • Post-Approval Credit Reviews: Conduct regular, objective post-approval evaluations on a sampled portfolio of retail, SME, and\u002For corporate credit exposures to assess the quality of underwriting and credit appraisal soundness. • Regulatory Compliance & Tracking: Formulate and update the Independent Credit Review Framework in compliance with the latest BNM Credit Risk directives. Document observations in Post-Approval Review (PAR) reports. • Credit Rating Accuracy Verification: Review and challenge the accuracy of internal credit risk ratings and borrower classifications. Evaluate if underwriting structures remain aligned with the Board’s approved Risk Appetite Statement (RAS). • Problem Credit & Restructuring Governance: Review flagged, non-performing, and Rescheduled & Restructured (R&R) credit facilities to detect signs of early warning deficiencies, verify staging accuracy (e.g., SICR triggers), and monitor controls aimed at preventing the \"ever-greening\" of loans. • Stakeholder Escalation & Committee Reporting: Defend and debate PAR findings, systemic credit underwriting gaps, and action plans with senior stakeholders across Business Units and Credit Approval Authorities. Escalate findings directly to the Risk Management Committee (RMC) and Board Risk Management Committee (BRMC). 2. Model Risk Management (MRM) Role • Model Validation Framework: Maintain and implement the institution's Model Risk standards and inventory. Define validation criteria across the entire model lifecycle. • Pre-Implementation & Post-Implementation Validation: Perform rigorous independent validations of credit risk models (including PD, LGD, EAD rating systems, application\u002Fbehavioral scorecards, and automated decision engines) prior to deployment and on an annual basis. • Quantitative & Qualitative Challenging: Evaluate the integrity of input data, statistical methodology, calibration benchmarks, mathematical assumptions, and limitations of risk models. • Performance Monitoring: Review and analyze model performance indicators—including rating migrations, Gini coefficients, PSI (Population Stability Index), KS statistics, override rates, and back-testing results. • Model Governance & Documentation: Review and challenge technical model development documentation to ensure methodology choices are sound and robust for external regulatory audits. Job Requirements & Qualifications • Education: Bachelor’s or Master's degree in a quantitative or financial field (e.g., Financial Engineering, Statistics, Mathematics, Actuarial Science, Finance, Banking, or Economics). • Experience: Minimum of 8 years of banking or financial services experience specifically in Credit Risk Analytics, Model Validation, Risk Modeling, or Independent Credit Review (Internal Audit). • Technical & Analytical Competencies: o Deep, practical knowledge of Bank Negara Malaysia (BNM) policy documents (specifically the Policy Document on Credit Risk and Capital Adequacy Framework). o Familiarity with credit scorecards, MFRS 9 \u002F IFRS 9 modeling methodologies (PD, LGD, EAD), and Basel internal rating requirements. o Technical proficiency in data and statistical languages such as SAS, SQL, Python, or R is highly advantageous for model replication and data-driven analysis. • Soft Skills: Highly developed analytical mindset, strong written presentation capability for committee paper formulation, and the professional confidence to present a countervailing voice against profit-generating business units JR00000666 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":146,"slug":147,"title":148,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":689},"About the Role The Head of Customer Support is responsible for leading the bank's end-to-end customer support function, ensuring every customer interaction across voice, chat, email, web, and social media meets the highest standards of quality, compliance, and satisfaction. This role owns the performance of the Level 1 BPO partner, manages BNM-related complaints and escalations, and works closely with Product, Technology, and Marketing to embed the voice of the customer into the bank's decisions. The role also drives the systems, automation, and continuous improvement agenda; including Case Management System (CMS), telephony, and IVR configuration needed to elevate operational productivity and First Contact Resolution (FCR). Key Responsibilities A. BPO & Omnichannel Operations Oversee the Level 1 BPO service provider across all customer contact channels i.e., voice, chat, email, and web tickets; including social media coverage, ensuring consistent, high quality service delivery. Ensure customer satisfaction and experience remain at the core of daily operations across all outsourced and internal support touchpoints. B. Regulatory & Escalation Management Own the management of BNM related escalations, including customer complaints and regulatory inquiries, ensuring timely, accurate, and compliant resolution and reporting. C. Cross-Functional & Stakeholder Engagement Act as the voice of the customer in internal engagements with Product, Technology, and Marketing teams, feeding front line insights into product and process decisions. D. Performance & Systems Management Ensure all KPIs, SLAs, and AHT targets consistently meet or exceed prescribed standards, with regular monitoring, reporting, and corrective action where needed. Own and continuously refine the Case Management System (CMS), telephony systems, and IVR configurations to streamline customer engagements, reduce handling effort, and enable faster, more accurate case routing and resolution. Bring an agentic, first-principles approach to elevating operations and productivity; proactively identifying automation and AI-driven opportunities within CMS, telephony, and IVR workflows to lift First Contact Resolution (FCR) and reduce repeat contacts. E. People Leadership & Continuous Improvement Manage the internal team responsible for Customer Support fulfilment and escalations, providing clear direction, coaching, and support to ensure consistent service delivery. Set team targets and hold the team accountable for deliverables, ensuring alignment with broader business and customer experience objectives. Drive improvement and optimisation initiatives across people, process, and technology to enhance efficiency, quality, and the overall customer support experience. Manage relationships with system and service vendors, including contract performance, service quality, and ongoing cost optimisation. Qualifications & Experience Minimum Requirements BA in Business, Finance, Law, Risk Management, or related field. At least 10 years of experience in customer support\u002Fservice operations, with a minimum of 5 years in a leadership role managing large teams and\u002For outsourced BPO partners. Prior experience in banking, fintech, or digital financial services strongly preferred; familiarity with BNM regulatory requirements for complaints handling is a strong advantage. Proven track record managing omnichannel support operations (voice, chat, email, web, and social media). Hands on experience configuring and managing Case Management Systems (CMS), telephony systems, and IVR flows, with a track record of using these systems to ease customer engagement and improve First Contact Resolution. Preferred Competencies Demonstrated ability to think agentically about operations; identifying automation and workflow opportunities that lift productivity, reduce turnaround time, and improve resolution quality. Strong stakeholder management skills, with demonstrated experience collaborating with Product, Technology, and Marketing teams. Solid grasp of KPI, SLA, and AHT frameworks, with a data-driven approach to performance management. Experience in vendor management and cost optimisation, including contract negotiation and performance oversight. Excellent communication and leadership skills, with the ability to influence at all levels of the organisation. Customer centric mindset with a strong sense of ownership and accountability for service outcomes. JR00000657 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":211,"slug":212,"title":213,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":691},"About the Team: Are you eager to elevate your career to new heights? Join us for an exhilarating opportunity to pioneer our groundbreaking digital bank project, where boundless possibilities await! We're thrilled to extend an invitation for you to join our vibrant team of visionaries, innovators, and trailblazers. As a Quality Assurance & Test Analyst of our digital bank project, we're not just offering a job; we're presenting an opportunity to be part of something extraordinary. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Your next thrilling adventure awaits with our digital bank project. Join us in shaping the future, today!   About the Role: Driving software quality and efficiency within our organization Designing test strategies, leading testing teams, and implementing best practices to enhance overall software quality.   What You'll Do:   Test Case Execution:   Execute test cases based on project requirements and test plans.   Follow pre-designed test cases or develop own cases to test various functionalities of the bank’s digital mobile platform and other solutions.   Conduct both manual and automated testing to validate software functionality.   Document test results and report defects to the development team.  Assist in setting up and maintaining testing environments and testing automation tools by administering configuration and troubleshooting tasks.   Defect Tracking and Reporting:   Identify, document, and track software defects using issue tracking systems.   Provide detailed defect reports to assist developers in understanding and resolving issues. Communicate bugs clearly and concisely, providing detailed information for easy understanding and resolution.   Collaborate with the team to verify bug fixes and ensure the closure of reported issues.    Regression and Performance Testing:   Conduct regression testing to ensure that new software changes do not adversely affect existing functionality, and performance testing to ensure the solution platform is able to withstand high workloads   Develop and maintain regression\u002Fperformance test suites for different software applications.     Test Documentation:   Create and maintain test documentation, including test cases, test scripts, and test data.   Contribute to the development and enhancement of test plans and test strategies.   Update test cases status, log testing efforts and maintain testing artefacts     Collaboration:   Work closely with engineers, product managers, testing providers, system integrators and other stakeholders to understand project requirements.   Analyze and clarify testing requirements with project managers, product team and engineers   Participate in team meetings to discuss testing progress, challenges, and potential improvements.   Communicate effectively with cross-functional teams to address quality concerns.     Automation Support:   Assist in the development and maintenance of automated test scripts. Collaborate with automation engineers to identify test cases suitable for automation.   Adherence to Quality Standards:   Ensure adherence to established quality standards and processes.   Contribute to the continuous improvement of testing processes and methodologies.  What We're Seeking: Bachelor’s degree in computer science, Information Technology, Information System or a related field preferred; or with equivalent work experience together with professional certifications.   Relevant certifications in software testing (e.g., ISTQB) are a plus. Minimum 3 years’ working experience in a software testing team, with some experience related to end-to-end testing for large scale and major technology projects. Experienced in test planning, test design, and test execution.   Experienced in both manual and automated testing. Familiar with testing standards, tools, processes, and frameworks in Agile and\u002For Waterfall methodologies and with at least one programming languages (e.g., Java, JavaScript, Python, Ruby, Groovy) for test automation.   A meticulous eye for detail and a commitment to high quality.   Excellent analytics and problem-solving skills Knowledge of version control systems and continuous integration tools.   Good communication skills to interact effectively with cross-functional teams and stakeholders.   Ability to adapt to changing priorities and work in a dynamic, fast-paced environment.  Good domain knowledge of digital banking front-end or core banking applications.  Experience in managing testing on Digital platforms will be an added advantage.   Good cross-department communication and coordination skills, with an inquisitive mindset to ensure project implementation according to requirements in complex business and environmental situations.    What We Value: Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation. JR00000655 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":193,"slug":194,"title":195,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":693},"About the Role: As part of Ryt Bank’s Regulatory Reporting team, this role is responsible for ensuring the accurate and timely submission of regulatory reports to Bank Negara Malaysia (BNM), PIDM, and other regulatory bodies. The role partners closely with Finance, Data, and Business teams to maintain compliance with regulatory requirements, support reporting system enhancements, and drive continuous improvements in reporting processes and controls to support the Bank’s growth and governance standards. Key Responsibilities · Prepare and submit regulatory returns (STATsmart, PIDM, ESS DSS reporting) accurately and on time in accordance with regulatory deadlines and requirements · Manage and support the regulatory reporting systems and processes covering the Bank’s banking business. · Collaborate with Data and Business teams to communicate regulatory reporting requirements, and to review, map and test the end to end for new and existing products. · Identify opportunities to improve processes and controls, implement changes that enhance operational efficiency and quality of reported financials · Support the team in testing activities and providing constructive feedback on any regulatory reporting projects\u002Fsurveys (i.e. from BNM and PIDM). · Knowledge of Basel and Liquidity reporting is advantageous Requirements · 5 -10 years of relevant banking experience and\u002For in Big 4 external audit of banking are desired · Degree in Accountancy or recognized accounting qualification (MICPA, ACCA, CPA etc.) · Strong hands-on experience in regulatory reporting to Bank Negara Malaysia · Able to adapt, work in a fast-paced environment and produce accurate results JR00000656 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.",{"id":695,"slug":696,"title":697,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":698},63597,"backend-engineer-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Backend Engineer Intern","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic intern to join our dynamic Product Engineering team. This is an excellent opportunity for aspiring backend engineers to gain valuable hands-on experience in a fast-paced and innovative environment. You will work closely with experienced professionals, contribute to real-world projects, and develop essential skills for a successful career in the backend engineering team. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Key Responsibilities: Building distributed systems that communicate internally and externally mainly based on REST and messaging Understand the rationale behind technical decisions Work closely with team members to achieve incremental milestones Java focus Writing clean and testable code Follow and advocate to best coding practices Qualifications: Currently pursuing a Bachelor's or Master’s Degree in computer science, Computer Engineering, Software Engineering or any related field Curiosity for continuous learning and improvement Good ownership with the responsibilities assigned and deliverables Benefits: Gain valuable hands-on experience in backend engineering. Work on real-world projects and contribute to the success of a growing company. Learn from experienced professionals and build a strong professional network. Develop essential skills for a successful career in backend engineering. Opportunity to contribute to the future of digital banking. What We Value Collaboration: We believe in working together to achieve our goals. Innovation: We embrace new ideas and encourage creativity. Excellence: We strive for technical and operational excellence in everything we do. Customer Focus: We are dedicated to delivering exceptional value and experiences for our users. Technology Stack We Use Languages & Frameworks: Java, Spring Boot Databases: PostgreSQL Messaging: Kafka Containers & Orchestration: Docker, Kubernetes If you're ready to take the next step in your career and contribute to something extraordinary, we'd love to hear from you. Join us as we build the future together. JR00000296 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":700,"slug":701,"title":702,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":703},63599,"backend-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Backend Engineer","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic Backend Engineer to join our dynamic Product Engineering team. As a Software Engineer focusing on backend development, you will work at the core of our engineering efforts, creating scalable and reliable microservices to power our innovative digital products. You will collaborate closely with cross-functional teams to design, build, and refine backend systems, ensuring they are efficient, secure, and capable of handling high-demand scenarios. Our engineering team thrives on collaboration, innovation, and a shared commitment to excellence. We build robust, scalable backend systems that enable seamless functionality for our products and services. If you're a passionate software engineer eager to make a difference, join us as we shape the future of technology together. Key Responsibilities: Design and develop distributed systems and microservices, primarily using REST APIs and messaging systems. Architect and implement event-driven systems to enable seamless communication between services. Collaborate with cross-functional teams to achieve key milestones and deliver exceptional products. Ensure high performance, scalability, and reliability of backend services in production. Qualifications: Citizenship Requirement: Malaysians only (Got a MyKad? You’re our type!). Strong proficiency in Java or other object-oriented programming (OOP) languages. Solid understanding of messaging systems such as Kafka or equivalent. Experience with both relational (e.g., PostgreSQL) and non-relational databases. Familiarity with designing and consuming web APIs of reasonable complexity. Hands-on experience with containerized applications using Docker and Kubernetes. Curiosity and drive for continuous learning and improvement. At least 2+ years of experience in backend software development. Benefits: Help build the foundation of a scalable and robust backend system for our products, shaping the future of digital solutions in Malaysia. Contribute to the development of innovative and reliable systems that delight our users. Collaborate with a team of like-minded individuals to deliver exceptional products that create meaningful value for our customers. What We Value Collaboration: We believe in working together to achieve our goals. Innovation: We embrace new ideas and encourage creativity. Excellence: We strive for technical and operational excellence in everything we do. Customer Focus: We are dedicated to delivering exceptional value and experiences for our users. Technology Stack We Use Languages & Frameworks: Java, Spring Boot Databases: PostgreSQL Messaging: Kafka Containers & Orchestration: Docker, Kubernetes If you're ready to take the next step in your career and contribute to something extraordinary, we'd love to hear from you. Join us as we build the future together. JR00000301 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":705,"slug":706,"title":707,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":708},63602,"customer-service-representative-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Customer Service Representative","About the Team: Are you eager to elevate your career to new heights? Join us for an exhilarating opportunity to pioneer our groundbreaking digital bank project, where boundless possibilities await! We're thrilled to extend an invitation for you to join our vibrant team of visionaries, innovators, and trailblazers. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Your next thrilling adventure awaits with our digital bank project. Join us in shaping the future, today! Job Description : Handle inbound\u002Foutbound enquiries, feedback and provide resolutions to end user and merchant over the phone or via emails relating to renowned product; Provide accurate and efficient support work relating to the renowned products; Ensure targets (customer satisfaction index, first call resolution, productivity) are met; Obtain customer and merchant details to ensure all information are accurately and promptly keyed into database for transaction; Actively promote and educate customers and merchant on the use of self-help and our digital services; Generate interest in new products or services and connect customers and merchant with salesperson or small medium enterprise when required; Ensure first call resolution and effective follow up with stakeholder for case closure in accordance to standard; Collect and record customer and merchant feedback\u002Finformation and share to Team Leader for proper escalation to appropriate departments for service \u002F product improvement; To assist Team Leaders and Supervisors in executing activities as planned in business and action plan; To handle interaction in a professional manner and achieves quality standard and work with Team Leaders, Supervisors and Quality Assurance Executives on the strategy to improve quality standard that lead to excellent customer service; and Able to diagnose technical problems and perform troubleshooting for end user and merchant. Requirements: Candidate must possess at least SPM \u002F Diploma \u002F Advanced \u002F Higher \u002F Graduate Diploma or Bachelor's Degree in any fields or equivalent; Fresh graduates and experienced candidate with a minimum of 1 year of working experience in call centre environment (Preferably in ecommerce sector and banking industry); Moderate or Strong knowledge in Microsoft Office programs – proficiency in Microsoft Excel, Microsoft Word; Excellent written and verbal communication skills in English, proficiency in other additional languages such as Malay, Cantonese or Mandarin will be an advantage; Able to work under pressure; Ability to work with cross-functional team to coordinate for desired output; Excellent phone disposition; Self-motivated, positive attitude and ability to manage multiple tasks in a fast-paced environment; Passionate towards customer satisfaction; Able to work on shift (24\u002F7); and Able to response customer with written communications, interact with customers to answer questions, solve problems, provide education, create awareness and maintain company’s reputation for high-quality service. JR00000065 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":710,"slug":711,"title":707,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":712},63603,"customer-service-representative-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","About the Team: Are you eager to elevate your career to new heights? Join us for an exhilarating opportunity to pioneer our groundbreaking digital bank project, where boundless possibilities await! We're thrilled to extend an invitation for you to join our vibrant team of visionaries, innovators, and trailblazers. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Your next thrilling adventure awaits with our digital bank project. Join us in shaping the future, today! Job Description: Handle inbound\u002Foutbound enquiries, feedback and provide resolutions to end user and merchant over the phone or via emails relating to renowned product. Provide accurate and efficient support work relating to the renowned products. Ensure targets (customer satisfaction index, first call resolution, productivity) are met. Obtain customer and merchant details to ensure all information are accurately and promptly keyed into database for transaction. Actively promote and educate customers and merchant on the use of self-help and our digital services. Generate interest in new products or services and connect customers and merchant with salesperson or small medium enterprise when required. Ensure first call resolution and effective follow up with stakeholder for case closure in accordance with standard. Collect and record customer and merchant feedback\u002Finformation and share to Team Leader for proper escalation to appropriate departments for service \u002F product improvement. To assist Team Leaders and Supervisors in executing activities as planned in business and action plan. To handle interaction in a professional manner and achieves quality standard and work with Team Leaders, Supervisors and Quality Assurance Executives on the strategy to improve quality standard that led to excellent customer service; and Able to diagnose technical problems and perform troubleshooting for end user and merchant. Requirements: Candidate must possess at least SPM \u002F Diploma \u002F Advanced \u002F Higher \u002F Graduate Diploma or bachelor's degree in any fields or equivalent; Fresh graduates and experienced candidate with a minimum of 1 year of working experience in call center environment (Preferably in ecommerce sector and banking industry); Moderate or Strong knowledge in Microsoft Office programs – proficiency in Microsoft Excel, Microsoft Word. Excellent written and verbal communication skills in English, proficiency in other additional languages such as Malay, Cantonese or Mandarin will be an advantage. Able to work under pressure. Ability to work with cross-functional team to coordinate for desired output. Excellent phone disposition. Self-motivated, positive attitude and ability to manage multiple tasks in a fast-paced environment. Passionate towards customer satisfaction. Able to work on shift (24\u002F7); and Able to response customer with written communications, interact with customers to answer questions, solve problems, provide education, create awareness and maintain company’s reputation for high-quality service. JR00000480 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":714,"slug":715,"title":716,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":717},63604,"customer-due-diligence-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Customer Due Diligence Specialist","About the Role We are seeking a highly motivated and detail-oriented Customer Due Diligence (CDD) Specialist to join our dynamic digital banking team. In this critical role, you will ensure compliance with Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) regulations by conducting thorough due diligence and risk assessments on customers. You will be responsible for reviewing customer information, verifying documentation, and identifying potential risks in accordance with Bank Negara Malaysia guidelines and internal compliance standards. The ideal candidate will possess strong analytical skills, meticulous attention to detail, and a proactive approach to maintaining the highest standards of regulatory compliance and financial integrity in a fast-paced digital banking environment. Key Responsibilities: 1. Document Review Review and validate all customer identification and supporting documents (NRIC, business registration, beneficial ownership, source of funds\u002Fwealth, etc.) to ensure accuracy and completeness. Identify discrepancies, expired documentation, or missing information and initiate timely follow-ups. 2. Risk Assessment Perform CDD, EDD, and ODD reviews based on customer risk levels, ensuring alignment with the AML\u002FCFT Policy Document (BNM). Conduct detailed risk assessments for onboarding, trigger events, and periodic reviews, identifying potential money laundering, terrorist financing, or sanction-related risks. Identify and escalate red flags or unusual patterns in line with escalation procedures. Prepare and maintain dashboards and regular Management Information packs for the team and key stakeholders. Create, update and maintain data and records related to all supporting information used during investigation. 3. Alert Resolution Conduct screening against sanction, PEP, and adverse media lists using internal and external databases (e.g., Dow Jones, or similar). Perform accurate hit dispositioning — differentiating between false positives, partial matches, and true matches. Escalate potential true matches for further review, ensuring appropriate documentation and audit trail. Maintain awareness of updated sanction programs, watchlists, and country risk advisories. Perform enhanced and ongoing due diligence for higher-risk or politically exposed customers, ensuring timely completion within SLA. 4. Communication Manage outbound queries related to CDD\u002FEDD requests. Ensure timely follow-up and clear, professional communication. 5. AML Compliance Escalate potential matches or hits in accordance with AML guidelines. Report suspicious activities promptly and accurately. 6. Continuous Learning & Improvement Stay updated with sanction lists, regulatory developments, and industry changes. Recommend and implement process improvements based on new insights. Participate in AML\u002FCFT-related training, workshops, and internal capability-building sessions. 7. Collaboration Share insights and provide support to enhance overall team performance. Collaborate effectively with peers and seniors to ensure team productivity and compliance targets are achieved. Requirements: Proven experience in AML operations or compliance, preferably in CDD analysis. Strong understanding of AML regulations and procedures. Excellent analytical skills with strong attention to detail. Effective communication and interpersonal skills. Ability to work independently and collaboratively within a team environment. Strong writing, analytical and communications skills. Must be able to execute tasks within tight deadlines. Benefits: Be part of a fast-growing digital bank that values innovation and people-first culture. Gain exposure to diverse hiring projects and talent strategies. Opportunity to collaborate with dynamic leaders and cross-functional teams. Enjoy a competitive compensation package and career development opportunities. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000446 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":719,"slug":720,"title":721,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":722},63605,"customer-support-fulfilment-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Customer Support - Fulfilment Specialist","About the Team: Are you eager to elevate your career to new heights? Join us for an exhilarating opportunity to pioneer our groundbreaking digital bank project, where boundless possibilities await! We're thrilled to extend an invitation for you to join our vibrant team of visionaries, innovators, and trailblazers. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Your next thrilling adventure awaits with our digital bank project. Join us in shaping the future, today! Job Description: Handle inbound\u002Foutbound enquiries, feedback and provide resolutions to end user and merchant over the phone or via emails relating to renowned product. Provide accurate and efficient support work relating to the renowned products. Ensure targets (customer satisfaction index, first call resolution, productivity) are met. Obtain customer and merchant details to ensure all information are accurately and promptly keyed into database for transaction. Actively promote and educate customers and merchant on the use of self-help and our digital services. Generate interest in new products or services and connect customers and merchant with salesperson or small medium enterprise when required. Ensure first call resolution and effective follow up with stakeholder for case closure in accordance with standard. Collect and record customer and merchant feedback\u002Finformation and share to Team Leader for proper escalation to appropriate departments for service \u002F product improvement. To assist Team Leaders and Supervisors in executing activities as planned in business and action plan. To handle interaction in a professional manner and achieves quality standard and work with Team Leaders, Supervisors and Quality Assurance Executives on the strategy to improve quality standard that led to excellent customer service; and Able to diagnose technical problems and perform troubleshooting for end user and merchant. Requirements: Candidate must possess at least SPM \u002F Diploma \u002F Advanced \u002F Higher \u002F Graduate Diploma or bachelor's degree in any fields or equivalent; Fresh graduates and experienced candidate with a minimum of 1 year of working experience in call center environment (Preferably in ecommerce sector and banking industry); Moderate or Strong knowledge in Microsoft Office programs – proficiency in Microsoft Excel, Microsoft Word. Excellent written and verbal communication skills in English, proficiency in other additional languages such as Malay, Cantonese or Mandarin will be an advantage. Able to work under pressure. Ability to work with cross-functional team to coordinate for desired output. Excellent phone disposition. Self-motivated, positive attitude and ability to manage multiple tasks in a fast-paced environment. Passionate towards customer satisfaction. Able to work on shift (24\u002F7); and Able to response customer with written communications, interact with customers to answer questions, solve problems, provide education, create awareness and maintain company’s reputation for high-quality service. JR00000557 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":724,"slug":725,"title":726,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":727},63607,"fraud-monitoring-and-detection-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","Fraud Monitoring and Detection Specialist","Job Overview: As a Fraud Monitoring and Detection Analyst, you will be an integral part of our organization’s efforts to combat fraudulent activities. Your role will involve monitoring, detecting, and preventing fraud, ensuring compliance with regulations, and maintaining the integrity of our financial operations. Key Responsibilities: Collaborate with the team lead and fellow analysts to monitor and detect fraudulent activities. Allocate resources effectively to support team activities and enhance fraud detection capabilities. Implement quality assurance processes to ensure accuracy and reliability in fraud detection. Engage with stakeholders to communicate fraud-related issues and seek necessary support. Foster collaboration and communication within the team and across departments. Identify training needs and provide ongoing development opportunities for team members. Drive continuous improvement in fraud detection operations. Develop contingency plans for responding to fraud incidents or crises. Ensure compliance with relevant laws, regulations, and industry standards. Document suspected instances of fraud and prepare reports as required. Qualifications: Bachelor’s degree in a relevant field (e.g., finance, business, criminal justice). Previous experience in fraud monitoring and detection, with team management experience preferred. Strong analytical skills and attention to detail. Excellent communication and interpersonal abilities. Ability to thrive in a fast-paced environment and work on 24\u002F7 shifts. JR00000483 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":729,"slug":730,"title":731,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":732},63609,"onboarding-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","Onboarding Specialist","About the Team: Are you eager to elevate your career to new heights? Join us for an exhilarating opportunity to pioneer our groundbreaking digital bank, where boundless possibilities await! We're thrilled to extend an invitation for you to join our vibrant team of visionaries, innovators, and trailblazers. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Your next thrilling adventure awaits with our digital bank. Join us in shaping the future, today! Job Description: Verify customer identification documents and assess the authenticity of the provided information. Analyze and evaluate customer profiles to ensure compliance with regulatory requirements and company policies. Utilize industry-standard databases and screening tools to perform name screening against global watchlists and sanction lists. Investigate and escalate any potential matches or hits, ensuring adherence to applicable legal and compliance procedures. Stay abreast of updates and changes in sanction lists and adjust the screening process accordingly. Work closely with other members of the compliance team, sharing insights and providing support as necessary. Requirements: Bachelor's degree in any related field (or equivalent work experience). Knowledge of KYC frameworks and systems. Preferably 3 - 5 years of experience in Compliance Money Laundering\u002FTerrorist Financing screening or relevant Banking & Finance. Open to fresh graduates Must be willing to work in the office located in D6, Sentul. Good knowledge and understanding of Sanctions, PEP & Embargoes Regulation. Possess knowledge of consumer banking products and services as well as regulations governing the consumer banking business and products (will be an added advantage). Enjoy working efficiently and independently in a fast-paced, high-volume environment. Proficient command of English and ability to learn quickly. Ability to work independently and prioritize tasks to meet deadlines. Ability to work with a cross-functional team to coordinate desired output. Candidate should have a risk-based approach\u002Fmindset in problem-solving and the ability to respond well to constructive criticism. A start-up attitude – highly collaborative and globally-minded. Benefits: Play a pivotal role in shaping credit risk strategies at a fast-growing digital bank. Work with cutting-edge tools and data to drive real business impact. Gain exposure to innovative risk management practices in digital lending. Competitive compensation and opportunities for professional growth. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000531 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":734,"slug":735,"title":736,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":737},63611,"service-excellence-amp-insights-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","Service Excellence & Insights","About the Role: Supports the Head of Service Excellence & Insights on the end-to-end Quality Review monitoring and testing across all operations functions within the bank. The role ensures that processes, customer interactions, service delivery, and control environments consistently meet regulatory standards, internal policies, performance benchmarks, and customer experience expectations. This position focuses on embedding a culture of quality and continuous improvement across the operations ecosystem, while enabling scalability, efficiency, and a high-assurance environment. Key Responsibilities A. Operational Quality Review Monitoring & Testing · Supports on execution of time-bound and thematic reviews and process checks on critical operations activities. · Supports on remediation tracking, and training needs with emphasise on non-repeat findings. B. Process Excellence & Continuous Improvement · Supports on proposals to refinement of SOPs, work instructions, and training content. · Supports on control enhancements to reduce defects, mitigate operational risk, and improve accuracy and consistency. · Supports on corrective actions and preventive controls. C. Risk & Compliance Alignment · Works on remedial and solutioning on findings that have impact to Risk and Compliance themes. · Support operational and audits related risk assessments on service quality and operational controls. · Supports on timely closure of findings, defects, and action items with full documentation and traceability. Qualifications & Experience Minimum Requirements · 3 to 5 years’ experience in Banking Operations roles or BPO\u002Fcontact-centre environments. · Has working level experience in Quality Reviews monitoring & testing. · Has strong understanding of operational controls, customer servicing, and end-to-end process flows. Preferred Competencies · Strong operational governance mindset and attention to detail. · Strategic yet direct approach to quality management and operational excellence · Effective communication, stakeholder engagement, and coaching skills. · High agility and adaptability to fast-changing digital landscape. · Familiarity with BNM guidelines, risk, and regulatory requirements. Benefits: · Be part of a fast-growing digital bank that values innovation and people-first culture. · Gain exposure to diverse hiring projects and talent strategies. · Opportunity to collaborate with dynamic leaders and cross-functional teams. · Enjoy a competitive compensation package and career development opportunities. What We Value: · Revolutionary in our thinking · Innovative in our products, services, and the way we work · Genuine in our intentions · Honourable in our actions · Tenacious in overcoming challenges JR00000526 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":739,"slug":740,"title":741,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":742},63613,"data-engineer-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Data Engineer Intern","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic intern to join our dynamic Data Engineering team. This is an excellent opportunity for aspiring data engineers to gain valuable hands-on experience in a fast-paced and innovative environment. You will work closely with experienced professionals, contribute to real-world projects, and develop essential skills for a successful career in the data engineering team. Key Responsibilities: Collaborate with the team to develop and execute User Acceptance Test (UAT) cases for data engineering projects. Identify and document defects, anomalies, and issues encountered during testing. Work closely with business analysts to draft and refine Business Requirement Documents (BRD). Ensure that BRDs accurately capture project requirements and objectives. Collaborate with your supervisor to update training materials, documentation, and resources related to data engineering processes and projects. Assist in data understanding and mapping exercises to ensure data integrity and quality. Create documentation to support data lineage, data dictionaries, and data transformation processes. Utilize your SQL skills to query and manipulate data, ensuring data accuracy and reliability. Qualifications: Currently pursuing a Bachelor's or Master's Degree in Computer Science, Computer Engineering, Software Engineering or any related field Curiosity for continuous learning and improvement SQL and Python skills are optional but preferred for data manipulation and automation tasks. Benefits: Gain valuable hands-on experience in data engineering. Work on real-world projects and contribute to the success of a growing company. Learn from experienced professionals and build a strong professional network. Develop essential skills for a successful career in frontend engineering. Opportunity to contribute to the future of digital banking. JR00000324 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":744,"slug":745,"title":746,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":747},63614,"frontend-engineer-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Frontend Engineer Intern","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic intern to join our dynamic Product Engineering team. This is an excellent opportunity for aspiring frontend engineers to gain valuable hands-on experience in a fast-paced and innovative environment. You will work closely with experienced professionals, contribute to real-world projects, and develop essential skills for a successful career in the frontend engineering team in a diverse range of engineering services, from specific product features to platform enhancements, catering to both organic users and those from existing ecosystems. Key Responsibilities: Building scalable mobile app mainly based on cross platform technology Understand the rationale behind technical decisions Work closely with team members to achieve incremental milestones React Native focus Writing clean and testable code Follow and advocate to best coding practices Work independently, demonstrating resourcefulness while also embodying strong teamwork skills. Qualifications: Currently pursuing a Bachelor's or Master's Degree in Computer Science, Computer Engineering, Software Engineering or any related field Curiosity for continuous learning and improvement Good ownership with the responsibilities assigned and deliverables Benefits: Gain valuable hands-on experience in frontend engineering. Work on real-world projects and contribute to the success of a growing company. Learn from experienced professionals and build a strong professional network. Develop essential skills for a successful career in frontend engineering. Opportunity to contribute to the future of digital banking. JR00000308 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":749,"slug":750,"title":751,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":752},63615,"aml-policy-advisory-amp-intelligence-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","AML Policy, Advisory & Intelligence","The AML Policy, Advisory & Intelligence Assistant Manager supports the implementation and ongoing effectiveness of the Bank’s Anti-Money Laundering, Countering Financing of Terrorism, Countering Proliferation Financing, and Targeted Financial Sanctions (AML\u002FCFT\u002FCPF & TFS) framework. The incumbent works closely with AML Operations, business units, and key stakeholders to ensure compliance with Bank Negara Malaysia (BNM) requirements. Key Responsibilities Policy Implementation & Regulatory Advisory Assist in the development, review, and periodic enhancement of AML\u002FCFT\u002FCPF & TFS policies, procedures, and internal guidelines in line with BNM regulations and FATF recommendations. Provide day-to-day AML\u002FCFT\u002FCPF & TFS advisory support to business units, including interpretation of regulatory requirements and internal policies. Monitor regulatory updates and assist in assessing their impact on existing policies, procedures, and controls. Support AML\u002FCFT\u002FCPF & TFS risk and compliance assessments for new products, services, delivery channels, and partnerships. Enterprise-Wide Risk Assessment (EWRA) Support Support the execution and periodic refresh of the AML\u002FCFT\u002FCPF & TFS Enterprise-Wide Risk Assessment (EWRA). Assist in assessing inherent and residual risks across customers, products, services, delivery channels, transactions, and geographies. Coordinate with internal stakeholders to collect data, validate inputs, and document risk assessments. Track and monitor the implementation of risk mitigation actions arising from the EWRA. AML Intelligence, Investigation & STR Handling Conduct reviews and investigations of potential suspicious activities identified through transaction monitoring and other surveillance tools. Prepare high-quality Suspicious Transaction Reports (STRs) and ensure timely submission to regulators via the Financial Intelligence System (FINS). Analyse investigation outcomes and STR trends to identify emerging risks, typologies, and areas for control enhancement. Provide investigation-related guidance and support to AML Operations and relevant business units. AML Systems, Rules & Controls Support Participate in the testing and validation of AML transaction monitoring rules and scenarios to ensure effectiveness and regulatory alignment. Support user acceptance testing (UAT) for AML system enhancements, upgrades, and fixes, ensuring proper documentation of test results. Assist in maintaining AML rule libraries and recommending enhancements based on risk trends and regulatory expectations. Support internal and external audits, regulatory examinations, and issue remediation activities. Governance, Reporting & Documentation Support the secretariat function for the Anti-Money Laundering Committee (AMLC), including preparation of meeting materials, coordination of meetings, and documentation of minutes. Prepare periodic reports and dashboards for management covering AML\u002FCFT\u002FCPF & TFS compliance status, STR statistics, risk trends, and regulatory updates. Maintain accurate and complete documentation of policies, risk assessments, advisory opinions, investigations, and regulatory interactions in accordance with internal standards. Training & Continuous Improvement Assist in the development and delivery of AML\u002FCFT\u002FCPF & TFS training materials and awareness sessions. Stay informed of regulatory developments, industry trends, and emerging financial crime risks. Contribute to continuous improvement initiatives to enhance the effectiveness and efficiency of AML controls and processes. Qualifications & Experience Bachelor’s degree in finance, Law, Business Administration, Computer Science, or a related field. Professional certifications such as ICA, CAMS, or equivalent are an advantage. Manager: Minimum 3 – 5 years of relevant AML\u002FCFT\u002FCPF & TFS experience. Practical knowledge of Malaysian AML\u002FCFT\u002FCPF & TFS regulatory requirements, particularly BNM guidelines and FATF standards. Key Competencies Sound understanding of AML\u002FCFT\u002FCPF & TFS regulations and operational requirements. Strong analytical and investigative skills with attention to detail. Ability to provide clear, practical AML advisory to business and operations teams. Good stakeholder management and communication skills. Ability to work independently while collaborating effectively within a team. Strong documentation and reporting capabilities. JR00000519 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":754,"slug":755,"title":489,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":756},63616,"frontend-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic Frontend Engineer to join our dynamic Product Engineering team. As a Software Engineer focusing on frontend development, you will work on building scalable mobile app mainly based on cross platform technology to power our innovative digital products. You will work independently, demonstrating resourcefulness while also embodying strong teamwork skills. Our engineering team thrives on collaboration, innovation, and a shared commitment to excellence. We develop a diverse range of engineering services, from specific product features to platform enhancements, catering to both organic users and those from existing ecosystems. You will also have the opportunity to influence architectural decisions and contribute to a culture of continuous learning and technical excellence. Key Responsibilities: Building scalable mobile app mainly based on cross platform technology Understand the rationale behind technical decisions Work closely with team members to achieve incremental milestones React Native focus Writing clean and testable code Follow and advocate to best coding practices Qualifications: Citizenship Requirement: Malaysians only (Got a MyKad? You’re our type!). Good understanding on React Native, JavaScript &Typescript concepts or any other functional programming paradigm Good understanding on reactive programming and API integrations Good understanding on state management concept will be a plus Good ownership with the responsibilities assigned and deliverables At least 2+ years of experience in frontend development. Benefits: Help build the foundation of a scalable mobile app based on cross platform technology for our products, shaping the future of digital solutions in Malaysia. Contribute to the development of innovative and reliable systems that delight our users. Collaborate with a team of like-minded individuals to deliver exceptional products that create meaningful value for our customers. What We Value Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation Curiosity for continuous learning and improvement Technology Stack We Use Languages & Frameworks: React Native Programming Paradigms: Reactive Programming If you're ready to take the next step in your career and contribute to something extraordinary, we'd love to hear from you. Join us as we build the future together. JR00000306 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":758,"slug":759,"title":760,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":761},63617,"backend-engineer-enterprise-engineering-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Backend Engineer (Enterprise Engineering)","About the Team: Are you ready to take ownership and make your mark on the fastest growing digital banking project? Our Enterprise Engineering team is at the heart of building the digital bank of the future, and we're looking for talented engineers who want to do more than just write code. As a Backend Engineer within Enterprise Engineering, you will be part of a team building internal and enterprise-facing software tools that serve the bank's internal staff, partners, and clients. This includes developing and maintaining core banking systems, merchant acquiring platforms, and other internal banking applications. You will work alongside engineers, architects, and product builders in a collaborative environment where your contributions make a direct impact on the people and businesses that rely on our platform every day. If you are a passionate engineer eager to make a difference, join us as we shape the future of digital banking together. About the Role: Develop and maintain scalable and reliable microservices powering core banking systems, merchant acquiring platforms, and internal banking applications. Build and integrate backend services under the guidance of senior engineers, contributing to the performance, reliability, and security of production systems. Grow your technical skills within a collaborative team, taking increasing ownership of features and contributing to engineering best practices across Enterprise Engineering. What You'll Do: Backend Development: Develop and maintain distributed systems and microservices using Java and Spring Boot with REST APIs and messaging systems. Implement event-driven systems using Kafka to enable seamless communication between services. Build and maintain backend services that underpin core banking systems, merchant acquiring platforms, and internal banking applications. Contribute to ensuring performance, scalability, and reliability of backend services in production environments. System Design & Architecture: Contribute to technical discussions and design decisions, implementing solutions aligned with engineering best practices. Work with data models across relational (PostgreSQL) and non-relational databases. Develop and consume internal and external APIs of reasonable complexity, following established service contracts. Build and maintain containerised applications using Docker and Kubernetes. AI Coding Tools: Leverage AI coding tools (e.g. ILMU, Claude, GitHub Copilot) productively for backend development, test generation, and code review assistance. Apply engineering judgement to validate, refine, and take ownership of AI-generated code before integration. Testing & Quality: Write meaningful unit and integration tests across assigned backend services. Participate in peer code reviews, providing and receiving constructive technical feedback. Contribute to CI\u002FCD quality gates and ensure services meet defined standards before release. CI\u002FCD & DevOps: Manage own CI\u002FCD pipeline contributions, configure build steps, run automated tests, and troubleshoot pipeline failures. Follow Git branching strategies and raise well-structured pull requests with clear context and test evidence. Collaboration: Work closely with product owners, frontend engineers, QA teams, and senior engineers within Enterprise Engineering to clarify requirements and deliver features end-to-end. Participate actively in sprint planning, retrospectives, and backlog grooming sessions. Communicate progress and raise blockers early to keep delivery on track. Documentation: Produce and maintain technical documentation for backend services, APIs, and data models. Contribute to Architecture Decision Records (ADRs) and engineering runbooks. What We're Seeking: Malaysian citizen (holder of a valid MyKad). Bachelor's degree in Computer Science, Information Technology, Software Engineering, or a related field; or equivalent work experience with relevant professional certifications. Minimum 2 years of hands-on backend software development experience. Proficiency in Java or other object-oriented programming (OOP) languages. Experience with Spring Boot for building microservices and RESTful APIs. Good understanding of messaging systems such as Kafka or equivalent event streaming platforms. Experience with both relational databases (e.g. PostgreSQL) and non-relational databases. Familiarity with designing and consuming web APIs of reasonable complexity. Hands-on experience with containerised applications using Docker and Kubernetes. Familiarity with at least one AI coding tool (e.g. ILMU, Claude, GitHub Copilot) and willingness to incorporate AI-assisted development into daily workflow. Good communication and interpersonal skills for cross-functional collaboration within Enterprise Engineering. Curiosity and drive for continuous learning and improvement. Familiarity with digital banking, core banking systems, or financial technology applications is an advantage. Technology Stack: Languages and Frameworks: Java, Spring Boot Databases: PostgreSQL Messaging: Kafka Containers and Orchestration: Docker, Kubernetes What We Value: Revolutionary in our thinking Innovative in our products, services and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000619 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":763,"slug":764,"title":765,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":766},63618,"business-intelligence-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Business Intelligence Intern","About the Role:    Ryt Bank is seeking a highly motivated and enthusiastic Business Intelligence Intern to join our dynamic Data team. This role is designed for aspiring data professionals to gain hands-on knowledge, technical implementation, and business logic in a fast-paced and learning first environment. You will work closely with experienced professionals to learn and contribute to how data is structured, interpreted to inform project next steps, and also to fully understand data workflow and impact. Our goal is for data to be a strategic asset to the bank and help make informed decisions with strong conviction. We thrive on collaboration, innovation, and a shared commitment to excellence. You will be paired with a senior to internalize the overall functions of a data team, work out clear project scope to enable end-to-end execution and contribute to a culture of continuous learning and technical excellence. Key Responsibilities:  Analytics & Decision Support SQL Mastery: Utilize your SQL knowledge to query and manipulate data, ensuring data accuracy and reliability while learning optimization techniques. Modern Engineering: Assist in building the enterprise data reporting mart using the dbt\u002Fsnowflake tool, gaining hands-on experience with modern data transformation. Data Visualization: Develop data visualization skills with exposure to dbt-integrated BI platforms to generate dashboards for key metrics monitoring. Frameworks & Standards Problem Solving: Work closely with business and product owners to draft and refine dashboard requirements, learning how to translate needs into technical specs, learning to identify noise\u002Fsignals Business Analysis: Ensure business requirement documents accurately captures business analytics and reporting needs. Metric Definitions: Learn and adopt the industry standards for data models and metric definitions used across the organization. Delivery & Governance Data Mapping: Assist in data understanding and mapping exercises for the reporting data layer, helping to structure raw data into usable assets. Documentation: Create and maintain documentation to support data lineage, data dictionaries, and data transformation processes to ensure long-term knowledge retention. Quality Assurance: Learn how to ensure analytics outputs are well-governed and production-ready, moving beyond simple dashboard reporting. Learning and Collaboration Cross-Functional Exposure: Shadow and collaborate with strategic partners ranging from engineers and data scientists to product managers. Hard and Soft Skills: Elevate your technical and analytical standards with mentorship from junior and senior analysts, get exposure in guided stakeholder management, presentation and C-suite ready communication techniques Active Learning: Elevate your personal technical and analytical standards by actively seeking mentorship from junior and senior analysts.   Qualifications:  Academic Relevance: Currently pursuing a Bachelor's or Master's degree in computer science, Computer\u002FSoftware Engineering or any related field. Technical Foundation: Exposure to SQL\u002FPython through university coursework or personal projects, with a strong desire to master advanced modelling. Data Visualization: Academic or project experience in building charts and reports using Tableau, Power BI, or similar platforms. Communication Skills: A willingness to learn how to translate complex analysis into persuasive, strategic actions for executive stakeholders. Growth Mindset: A curiosity for difficult problems, open minded and focused on continuous improvement Benefits:  Meaningful Guidance: Dedicated mentorship on how data and analytics are designed by seniors from multiple backgrounds and exposure Real-World Problems: Apply your classroom knowledge to real life problems across product, risk, and domains High-Growth Environment: A culture that values technical rigor and intellectual curiosity, where asking questions is encouraged (look up ‘obligation to dissent’) Strategic Insight: Build the future of digital banking in Malaysia and understand how data becomes a core strategic asset. JR00000496 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":419,"slug":420,"title":421,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":768},"Position Summary We are a BNM-licensed Malaysian digital bank focused on responsible lending to underserved retail and SME segments. We are looking for an experienced Credit Risk professional to join our Risk Management team. You will design and own the credit policies and rules that govern our lending, build and maintain expert judgement-based scorecards and risk rating frameworks for SME and corporate borrowers, and work closely with the underwriting team to ensure credit assessments are rigorous and well-documented. You will also maintain portfolio monitoring and reporting to keep leadership informed of portfolio health. This role suits a credit professional with a strong judgement background who is comfortable in discretionary lending environments and takes pride in well-reasoned, clearly written policy work. Key Responsibilities 1. Credit Policy & Rule Design • Design, document, and maintain credit rules, risk acceptance criteria, and underwriting standards for SME and corporate lending, ensuring alignment with BNM regulations and the bank’s risk appetite. • Translate credit risk strategy into structured policy and decisioning logic; validate implementation through UAT prior to go-live. • Maintain the credit policy register — tracking review cycles, version history, and approval status. • Identify gaps between policy intent and operational execution; draft targeted amendments and shepherd them through governance and approval channels. • Prepare policy and procedure documents for Credit Committee review, internal audit, and regulatory inspection. • Collaborate with Product, Compliance, Operations, and Legal to ensure policy changes are reflected across systems and processes. 2. SME & Corporate Scorecard Development & Maintenance • Design and maintain expert judgement-based credit scorecards and internal risk rating frameworks for SME and corporate borrowers, drawing on the 5 Cs to define and weight scoring factors. • Calibrate scoring factors using financial ratio analysis (DSCR, leverage, liquidity), qualitative assessments (management quality, industry outlook, customer concentration), and external benchmarks where available. • Monitor scorecard performance through rating migration, grade concentration trends, override rates, and watchlist movement; recommend recalibration where warranted. • Support model governance activities — monitoring reports, back-testing documentation, and validation preparation — consistent with the bank’s Model Risk Management Policy. • Liaise with underwriting and business teams to gather qualitative inputs and ground-truth scorecard assumptions. 3. Underwriter Collaboration & Credit Assessment Support • Work closely with the underwriting team to ensure credit policies and scorecards are clearly understood and consistently applied. • Review and challenge credit applications and underwriting decisions, flagging deviations from approved policy. • Develop guidance notes and worked examples to help underwriters navigate edge cases and discretionary assessments. • Capture underwriter feedback on policy gaps and use it to drive iterative improvements to the credit framework. 4. Portfolio Monitoring & Reporting • Produce regular portfolio monitoring reports covering approval rates, utilisation, delinquency, vintage performance, roll rates, and concentration risk. • Monitor portfolio triggers and EWS indicators; escalate breaches promptly with supporting analysis and recommended action plans. • Conduct periodic portfolio reviews to identify emerging trends; translate findings into adjustments to credit policy or scorecard weightings. • Produce clear portfolio reports giving leadership timely visibility of portfolio health, watchlist movement, and concentration trends. 5. Regulatory Reporting & Stakeholder Coordination • Prepare materials for Credit Committee, RMC, and Board reporting, synthesising portfolio and policy data into clear, well-evidenced narratives. • Support BNM regulatory submissions and credit risk data queries. • Engage with Finance, Collections, Business Banking, and Operations to ensure reporting consistency and alignment on portfolio metrics. Requirements & Qualifications Education • Bachelor’s or Master’s degree in Finance, Business, Economics, Accounting, or a related discipline. Quantitative backgrounds are equally welcome. Experience • Minimum 5 years of credit risk experience, with hands-on exposure to credit policy writing, SME or corporate credit assessment, or the design of judgemental credit scorecards and risk rating frameworks. • Experience with SME or corporate credit products is strongly preferred; familiarity with CCRIS\u002FCTOS, BNM credit risk guidelines, and financial statement analysis is a clear advantage. • Exposure to credit assessment template configuration or UAT is an advantage. • Able to operate independently, managing multiple workstreams and delivering quality output without close supervision. Technical Skills • Credit Policy & Rules: Able to write precise, unambiguous credit policy and decisioning rules suitable for implementation in an underwriting framework. • Scorecard & Risk Rating Design: Experience designing expert judgement-based scorecards or risk rating frameworks for commercial borrowers; able to select and weight factors, calibrate against benchmarks, and document methodology for governance purposes. • Financial Analysis: Able to read and interpret financial statements and derive credit-relevant insights; comfortable spreading financials and computing credit ratios. Excel proficiency expected; SQL or Python a plus. • BNM Regulatory Knowledge: Working knowledge of BNM credit risk policies and guidelines, including CCRIS\u002FCTOS and credit risk reporting requirements. • Written Communication: Able to produce well-reasoned credit narratives, policy documents, and committee papers clearly and independently. Soft Skills & Culture Fit • Detail-Oriented: You do not let ambiguity slide in a policy document or credit assessment. • Collaborative: You work well with underwriters and business teams and understand that good policy only works if the people using it trust it. • Structured Thinker: You can translate complex credit logic into clear, implementable rules. • Proactive: You surface issues early and drive decisions rather than waiting to be directed. • Mission-Driven: Genuinely interested in responsible lending to Malaysia’s underserved SME and retail segments. What’s In It For You? • The opportunity to build credit risk infrastructure at one of Malaysia’s earliest licensed digital banks. • Real ownership — you will design the credit rules and scorecards that determine who gets access to financing. • A flat, collaborative culture where good ideas are heard regardless of seniority. • Meaningful work: responsible lending to underserved SME and retail segments in Malaysia. • A fast-moving environment where you will grow across policy design, scorecard development, and credit judgement simultaneously. JR00000639 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":770,"slug":771,"title":772,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":773},63620,"credit-evaluation-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Credit Evaluation","About the Role: Ryt Bank is seeking an experienced and analytical professional to join our Credit Evaluation team. In this critical role, you will be responsible for evaluating credit proposals, assessing financial and non-financial risks, and structuring appropriate financing solutions for SME and mid-sized corporate clients. The candidate is required to have a strong knowledge of local market dynamics and industry-specific risks. You’ll be shaping how the bank understands, manages, and mitigates risk in a rapidly evolving banking space and economic environment. This role is perfect for someone who thrives on data-driven insights, has strong analytical skills in business models and financial analysis, and is eager to contribute to the stability and growth of a digital-first bank. Key Roles and Responsibilities: Conduct thorough credit assessments for SME and mid-sized corporate clients, including financial statement analysis, bank statement analysis, business model evaluation, and industry benchmarking. Review credit proposals ensuring alignment with internal risk appetite and regulatory guidelines. Familiar with business financing product structures, corresponding risk exposures and potential mitigants (covenants, collaterals). Present credit proposals and recommendations to Credit Committee with clear articulation of risk–return rationale. Interview or seek clarifications from clients together with RMs if required Support the business in structuring of financing solutions tailored to client needs, by providing analytics and insights, while aligning with the bank’s risk appetite. Support methodology development or refinement of credit evaluation, provide feedback and inputs to improve assessment approach. Industry Expertise Build and maintain insights across a wide range of industries, to anticipate risks and opportunities. Strong understanding of SME’s business and financing needs, nature of credit behaviour. Strong understanding of products offerred in the market , across banks and non-banks Provide thought leadership and insights to further refining lending strategies for different industries Stakeholder Engagement Provide insights and collaborate with Account Relationship Managers, Risk, Legal, Operations and Compliance teams to deliver a complete and comprehensive credit assessment while ensuring the governance process is adhered to. Participate in credit committee discussions and support decision-making with sound rationale. Present to Credit Committee, Risk Management Committee and Board where required. Risk Management Ensure compliance with Bank Negara Malaysia (BNM) guidelines, internal credit policies. Monitor portfolio performance and proactively identify early warning signals by identifying potential risks, stress-test assumptions, and recommend mitigation strategies. Contribute to the enhancement of credit models, scoring\u002Fscorecard tools, and sectoral risk frameworks. Assist with other risk-related tasks and initiatives as assigned by the Chief Risk Officer. Qualifications: Bachelor’s degree in Finance, Accounting, Economics, or related discipline; professional certifications (CPA, CFA, Chartered Banker) preferred.. 12-15 years of experience in credit underwriting, preferably in SME, mid-market or corporate banking within Malaysia. Proven track record in underwriting corporate loans, particularly in working capital and project financing. Strong financial modelling, analysis, cash-flow lending, credit analysis, debt structuring. Strong exposure to multiple industries, with the ability to assess unique business and sector risks. Strong communication and presentation skills, with ability to influence senior stakeholders and committees. Benefits: Play a pivotal role in shaping credit risk strategies at a fast-growing digital bank. Work with cutting-edge tools and data to drive real business impact. Gain exposure to innovative risk management practices in digital lending. Competitive compensation and opportunities for professional growth. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges If you’re ready to contribute to the backbone of responsible growth at Ryt Bank, we welcome you to bring your expertise and help us uphold the highest standards of credit risk management and professionalism. JR00000572 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":775,"slug":776,"title":777,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":778},63621,"finance-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Finance Intern","Role Overview: As a Finance Intern in the Financial Control & Reporting Division, you will gain hands-on experience in financial reporting, analysis, and compliance processes. You will work closely with the finance team to support daily operations and contribute to key projects that enhance financial governance. Key Responsibilities: Assist in the preparation and review of financial statements and regulatory reports. Support month-end and year-end closing activities, including reconciliations and journal entries. Help maintain accurate financial records in compliance with internal policies and external regulations. Participate in variance analysis and assist in preparing management reports. Collaborate with cross-functional teams to ensure timely and accurate data submission. Contribute to process improvement initiatives within the division. Perform ad hoc tasks as required to support the finance team. Requirements: Currently pursuing a degree in Finance, Accounting, Economics, or a related field. Strong analytical and numerical skills with attention to detail. Proficiency in Microsoft Excel and familiarity with financial systems is a plus. Good communication skills and ability to work in a team environment. Eagerness to learn and adapt in a fast-paced banking environment. What We Offer: Exposure to financial control and reporting processes in a leading banking institution. Mentorship from experienced finance professionals. Opportunity to develop practical skills and industry knowledge. JR00000481 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":780,"slug":781,"title":782,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":783},63622,"fraud-amp-financial-crime-risk-lead-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Fraud & Financial Crime Risk Lead","The Fraud & Financial Crime Risk Lead role develops strategies, implements controls, and leads teams to protect an organization from financial crime (AML\u002FCFT\u002FKYC, sanctions) and fraud, ensuring regulatory compliance, analyzing threats, enhancing processes, driving awareness and training staff, acting as a key liaison with business units and senior leadership as well as authorities and industry working groups. The role will provide strategic leadership across fraud prevention, detection, investigation, case management, governance and regulatory engagement, ensuring effective risk mitigation while supporting sustainable business growth and customer experience. Key Responsibilities Policy and Framework: Maintain, update, develop relevant policies, frameworks and procedures related to fraud and financial crime. Assist in the development, review, and periodic enhancement of AML\u002FCFT\u002FCPF & TFS policies, procedures, and internal guidelines in line with BNM regulations and FATF recommendations. Risk Strategy: Develop short-term and long-term strategies for end-to-end fraud and financial crime preventive controls, aligning with internal and external stakeholders. Continually balance risk & quality measures and processes against commercial outcomes and customer service for the company. Assess fraud and financial crime landscape within the financial services, and general environment Identify structural \u002F strategic\u002F tactical methods to synchronise or optimise fraud and aml prevention, detection, monitoring, measurements related procedures. Act as a key risk advisor to business, product, and technology teams on fraud and financial crime risks. Analytics and Advisory: Provide subject matter expertise and guidance to business units and senior management on financial crime risks and fraud risks and controls, especially concerning new products or services Perform analytics and rules review, optimization Develop and implement key parameters for risk prevention and detection processes which are suitable and effective while taking into consideration customer experience Lead\u002Fperform quality reviews on case management and investigations Provide strategic advice on prevention, detection, analysis and risk mitigation to staff, on operational, product design, customer service, from a regulatory as well as bank risk appetite perspective Contribute continuous improvement initiatives to enhance the effectiveness and efficiency of AML controls and processes. Investigations: Oversee investigations into suspicious activities, transaction monitoring alerts, and complex financial crime cases from fraud and AML\u002FKYC\u002FCFT. Ensure timely and coordinated responses to identified fraud or financial crime cases. Review fraud losses, dispute trends, and root-cause analysis to drive continuous improvement. Regulatory Compliance: Ensure adherence to relevant regulations, sanctions screening, and any other reporting requirements by relevant authorities including Bank Negara Malaysia. Risk Management Measurement and Monitoring: Develop and implement relevant measurements and metrics, assessment methodologies and monitoring tools Lead and conduct quality assurance on operations monitoring and investigation processes. Team Leadership: Manage, coach, and develop a team of financial crime risk management and fraud risk professionals, driving performance and operational efficiency. Partner closely with Technology, Product, Operations, Compliance, and Risk teams to embed fraud controls into customer journeys and system designs. Stakeholder Collaboration: Main liaison with BNM on fraud risk, AML related matters, with support from CRO. Work with relevant departments (e.g. Product teams, Operations, Fraud Ops, AML\u002FCFT team, Regulatory Compliance) to drive improvements in fraud prevention and detection, monitoring and controls. Actively participate in industry forums and task forces to improve fraud and AML\u002FCFT intelligence. Coordinate collaboration with law enforcement agencies and industry bodies (i.e. NSRC, CCID, IBTF) for intelligence sharing and other stakeholders to combat fraud and financial crimes. Technology & Data: Work with IT to implement systems where required, optimize alert systems, algorithms, and data analysis for detection. Training & Awareness: Develop tailored training and awareness programs for the company and customers to improve risk awareness, with timely updates on particularly latest fraud modus operandi or industry developments Reporting: Prepare and present reports to senior management and regulators. Monitor fraud risk to be within the risk appetite Submit fraud event reports to BNM per internal and Operational Risk Reporting (ORR) requirements, and AML CFT\u002FTM reporting requirements to BNM Requirement: Minimum 15 years of working experience covering the banking industry\u002Fdigital financial services\u002Fmobile banking fraud investigation and surveillance, Fraud risk or AML risk and financial crime investigation\u002Fdetection\u002Fanalysis\u002Fpolicy making roles. Candidates with both experience is preferred. Has sound knowledge of the relevant BNM guidelines governing the banking business in fraud risk, AMLCFT requirements, and is comfortable and experienced in dealing with regulators and law enforcement organisations. Has experience and knowledge of how to identify and analyze sources of fraud and ML, its related risks, use different approaches and tools to measure and manage the risk. Able to perform in fast-paced environment with quick analytical thinking, has strong sense of urgency, meticulous, inquisitive, very keen to share knowledge, and passionate about process improvement. Confident decision maker, capable of making risk decisions on suspicious transactions, PEPs, high fraud risk transactions. Experience in conducting relevant risk assessments and ability to communicate effectively with 1LOD teams, to ensure they understand the risks in their area. Strong understanding of key financial crime and fraud risk indicators and metrics and is able to develop them, summarise into reports which explain key trends on a monthly basis for senior management, and board. Strong command of English, both written and spoken. Have strong networking experience with the banking industry, e-wallet\u002Fe-commerce, and other digital financial services\u002Fbanking peers. Strong leadership and stakeholder management skills with the ability to influence senior and Board levels. Hands-on experience with fraud detection systems (Anti-Fraud & AML solutions) rule engines, and analytics. JR00000518 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":785,"slug":786,"title":746,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":787},63623,"frontend-engineer-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic intern to join our dynamic Product Engineering team. This is an excellent opportunity for aspiring frontend engineers to gain valuable hands-on experience in a fast-paced and innovative environment. You will work closely with experienced professionals, contribute to real-world projects, and develop essential skills for a successful career in the frontend engineering team in a diverse range of engineering services, from specific product features to platform enhancements, catering to both organic users and those from existing ecosystems. Key Responsibilities: Building scalable mobile app mainly based on cross platform technology Understand the rationale behind technical decisions Work closely with team members to achieve incremental milestones React Native focus Writing clean and testable code Follow and advocate to best coding practices Work independently, demonstrating resourcefulness while also embodying strong teamwork skills. Qualifications: Currently pursuing a Bachelor's or Master's Degree in Computer Science, Computer Engineering, Software Engineering or any related field Curiosity for continuous learning and improvement Good ownership with the responsibilities assigned and deliverables Benefits: Gain valuable hands-on experience in frontend engineering. Work on real-world projects and contribute to the success of a growing company. Learn from experienced professionals and build a strong professional network. Develop essential skills for a successful career in frontend engineering. Opportunity to contribute to the future of digital banking. JR00000553 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":487,"slug":488,"title":489,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":789},"About the Role: Ryt Bank is seeking a highly motivated and enthusiastic Frontend Engineer to join our dynamic Product Engineering team. As a Software Engineer focusing on frontend development, you will work on building scalable mobile app mainly based on cross platform technology to power our innovative digital products. You will work independently, demonstrating resourcefulness while also embodying strong teamwork skills. Our engineering team thrives on collaboration, innovation, and a shared commitment to excellence. We develop a diverse range of engineering services, from specific product features to platform enhancements, catering to both organic users and those from existing ecosystems. You will also have the opportunity to influence architectural decisions and contribute to a culture of continuous learning and technical excellence. Key Responsibilities: Building scalable mobile app mainly based on cross platform technology Understand the rationale behind technical decisions Work closely with team members to achieve incremental milestones React Native focus Writing clean and testable code Follow and advocate to best coding practices Qualifications: Citizenship Requirement: Malaysians only (Got a MyKad? You’re our type!). Good understanding on React Native, JavaScript &Typescript concepts or any other functional programming paradigm Good understanding on reactive programming and API integrations Good understanding on state management concept will be a plus Good ownership with the responsibilities assigned and deliverables At least 2+ years of experience in frontend development. Benefits: Help build the foundation of a scalable mobile app based on cross platform technology for our products, shaping the future of digital solutions in Malaysia. Contribute to the development of innovative and reliable systems that delight our users. Collaborate with a team of like-minded individuals to deliver exceptional products that create meaningful value for our customers. What We Value Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation Curiosity for continuous learning and improvement Technology Stack We Use Languages & Frameworks: React Native Programming Paradigms: Reactive Programming If you're ready to take the next step in your career and contribute to something extraordinary, we'd love to hear from you. Join us as we build the future together. JR00000615 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":791,"slug":792,"title":746,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":793},63625,"frontend-engineer-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-3","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic intern to join our dynamic Product Engineering team. This is an excellent opportunity for aspiring frontend engineers to gain valuable hands-on experience in a fast-paced and innovative environment. You will work closely with experienced professionals, contribute to real-world projects, and develop essential skills for a successful career in the frontend engineering team in a diverse range of engineering services, from specific product features to platform enhancements, catering to both organic users and those from existing ecosystems. Key Responsibilities: Building scalable mobile app mainly based on cross platform technology Understand the rationale behind technical decisions Work closely with team members to achieve incremental milestones React Native focus Writing clean and testable code Follow and advocate to best coding practices Work independently, demonstrating resourcefulness while also embodying strong teamwork skills. Qualifications: Currently pursuing a Bachelor's or Master's Degree in Computer Science, Computer Engineering, Software Engineering or any related field Curiosity for continuous learning and improvement Good ownership with the responsibilities assigned and deliverables Benefits: Gain valuable hands-on experience in frontend engineering. Work on real-world projects and contribute to the success of a growing company. Learn from experienced professionals and build a strong professional network. Develop essential skills for a successful career in frontend engineering. Opportunity to contribute to the future of digital banking. JR00000554 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":795,"slug":796,"title":797,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":798},63626,"lead-backend-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Lead Backend Engineer","About the Role: At Ryt Bank, we’re not just building features, we are redefining the banking experience for Malaysian, and we build a living financial systems that our customers depend on every day. As a Lead Backend Engineer, you will sit at the intersection of architecture, engineering excellence, and team leadership. You will shape how our backend platform evolves, guide and mentor engineers in making sound technical decisions, and ensure our systems scale reliably as our products and customers grow. This role is for someone who goes beyond writing great code. You think in systems, understanding tradeoffs, influence technical direction, and help teams move faster without compromising quality. You will work closely cross-functionally with Products and cross-domain PODs to design and deliver critical backend capabilities that power our banking platform. If you enjoy designing complex systems, solving challenging problems, mentoring engineers, and turning ambiguity into clear technical direction, this role is for you. Key Responsibilities: Designing scalable microservices and event-driven architectures that power digital banking capabilities. Defining and evolving backend architecture standards, patterns, and best practices. Leading technical design discussions and architectural trade-offs across domains. Guiding teams to build reliable, secure, and high-performance systems in production. Driving evolutionary design, improving existing systems while delivering new capabilities. Mentoring engineers, reviewing designs, and elevating technical craftsmanship across the team. Collaborating with Product Managers, Frontend Engineers, QA, SRE, and Platform teams to deliver end-to-end solutions Leading initiatives to elevate engineering evolution by exploring emerging architectural patterns, new design approaches, and innovative engineering ideas. Qualifications: Citizenship Requirement: Malaysians only (Got a MyKad? You’re our type!). Strong proficiency in Java or other object-oriented programming (OOP) languages. Strong understanding of messaging systems such as Kafka or equivalent. Experience with both relational (e.g., PostgreSQL) and non-relational databases. Familiarity with designing and consuming web APIs of reasonable complexity. Hands-on experience with containerized applications using Docker and Kubernetes. Curiosity and drive for continuous learning and improvement. At least 7+ years of experience in backend software development. Benefits: Help build the foundation of a scalable and robust backend system for our products, shaping the future of digital solutions in Malaysia. Contribute to the development of innovative and reliable systems that delight our users. Collaborate with a team of like-minded individuals to deliver exceptional products that create meaningful value for our customers. What We Value Collaboration: We believe in working together to achieve our goals. Innovation: We embrace new ideas and encourage creativity. Excellence: We strive for technical and operational excellence and evolution in everything we do. Customer Focus: We are dedicated to delivering exceptional value and experiences for our users. Technology Stack We Use Languages & Frameworks: Java, Spring Boot Databases: PostgreSQL Messaging: Kafka Containers & Orchestration: Docker, Kubernetes If you're ready to take the next step in your career and contribute to something extraordinary, we'd love to hear from you. Join us as we build the future together. JR00000513 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":800,"slug":801,"title":802,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":803},63627,"fullstack-engineer-enterprise-engineering-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Fullstack Engineer (Enterprise Engineering)","About the Team: Are you ready to take ownership and make your mark on the fastest growing digital banking project. Our Enterprise Engineering team is at the heart of building the digital bank of the future, and we're looking for talented engineers who want to do more than just write code. As a Fullstack Engineer within Enterprise Engineering, you will be part of a team building internal and enterprise-facing software tools that serve the bank's internal staff, partners, and clients. You will work alongside engineers, architects, and product builders in a collaborative environment where your contributions make a direct impact on the people and businesses that rely on our platform every day. If you're energised by solving complex problems across the full technology stack, from React frontends to NestJS and\u002For Spring Boot backends and excited by the possibilities that AI-assisted development brings to engineering, we want to hear from you. About the Role: Independently designing and delivering end-to-end fullstack features within the Enterprise Engineering function of our digital banking programme. Contributing to engineering quality, cross-functional collaboration, and continuous improvement across frontend and backend systems. What You'll Do: Frontend Development: Design and deliver React, Vue features independently using TypeScript, including state management (Redux \u002F Context API), routing, and responsive UI implementation. Build reusable, well-tested React components aligned to the digital banking platform's design system and accessibility standards. Optimise frontend performance and ensure cross-browser compatibility across web and mobile banking interfaces. Backend Development: Develop and maintain RESTful APIs using NestJS (TypeScript) and\u002For Spring Boot (Java). Implement service-layer business logic, input validation, error handling, and authentication \u002F authorisation flows. Design and manage data models using TypeORM or Hibernate, including writing and managing database migrations. AI Coding Tools: Leverage AI coding tools (e.g. ILMU, Claude, GitHub Copilot) for feature development, unit test generation, and code review assistance. Apply critical engineering judgement to validate, refine, and take full ownership of AI-generated code before integration. Testing & Quality: Achieve meaningful unit and integration test coverage across assigned frontend and backend components. Participate actively in peer code reviews, providing and receiving constructive technical feedback. Contribute to CI\u002FCD quality gates by ensuring code passes automated test suites before merging. System Integration: Integrate with internal and third-party services including payment gateways, identity providers, and core banking APIs. Write and maintain integration tests to validate service contracts and end-to-end data flows. CI\u002FCD & DevOps: Manage own CI\u002FCD pipeline contributions, configure build steps, run automated tests, and troubleshoot pipeline failures. Follow Git branching strategies and raise well-structured pull requests with clear context and test evidence. Collaboration: Work closely with product managers, QA engineers, and platform teams within Enterprise Engineering to clarify requirements and testing scope. Participate in sprint planning, retrospectives, and backlog grooming sessions. Support onboarding of junior engineers and contribute to knowledge-sharing across the team. Documentation: Produce technical documentation for features, APIs, and data models to team standards. Maintain Architecture Decision Records (ADRs) and contribute to engineering runbooks. What We're Seeking: Bachelor's degree in Computer Science or Software Engineering, or a related field; or equivalent work experience with relevant professional certifications. Minimum 2 years of hands-on full stack development experience delivering production-grade features on technology projects. Proficient in TypeScript and JavaScript. Working knowledge of Java for Spring Boot backend services. Independently builds React applications, proficient with hooks, Context API, routing (React Router), and state management libraries. Build NestJS or equivalent services independently, proficient with dependency injection, guards, interceptors, middleware, and TypeORM integration. Working knowledge in Spring Boot services, e.g. JPA\u002FHibernate, Spring Security, and REST API design Productive user of at least one AI coding tool (e.g. ILMU, Claude, Cursor, GitHub Copilot); applies engineering judgement to validate AI-generated output. Familiar with PostgreSQL or MySQL and ORM-based data modeling. Exposure to NoSQL (MongoDB, Redis) is an advantage. Proficient in Jest \u002F Supertest (Node\u002FTypeScript) and\u002For JUnit \u002F Mockito (Java) for unit and integration testing. Working knowledge of Git workflows, branching strategies, and CI\u002FCD pipelines. Familiarity with Docker basics. Solid understanding of Agile (Scrum\u002FKanban) methodologies. Participates actively in sprint ceremonies. Good communication and interpersonal skills for effective cross-functional collaboration within Enterprise Engineering. Familiarity with digital banking and\u002For fintech applications is an advantage. Technology Stack: • Languages and Frameworks: Typescript, NodeJS, NestJs, Vue.js, React, Java, Spring Boot • Databases: PostgreSQL • Messaging: Kafka • Containers and Orchestration: Docker, Kubernetes What We Value: Revolutionary in our thinking Innovative in our products, services and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000620 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":805,"slug":806,"title":807,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":808},63628,"lifecycle-marketing-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Lifecycle Marketing Specialist","About the Role We’re looking for a Lifecycle Marketing Specialist to lead the strategy and execution of customer engagement initiatives across the entire user journey, from onboarding to retention, reactivation, and advocacy. You’ll design and optimize campaigns that drive meaningful interactions, deepen customer relationships, and maximize lifetime value. This role requires a strong blend of strategic thinking, data fluency, and hands-on execution. You’ll work closely with product, data, design, and customer success teams to deliver personalized, timely, and impactful communications across email, push, in-app, and other owned channels. Key Responsibilities Own and optimize the end-to-end customer lifecycle strategy, including onboarding, engagement, retention, and win-back campaigns. Develop segmentation strategies to deliver personalized and relevant messaging across multiple touchpoints. Design and execute multi-channel campaigns (email, push, SMS, in-app) that drive product adoption and customer retention. Collaborate with product and data teams to identify behavioral triggers and automate lifecycle flows. Analyze campaign performance, A\u002FB test messaging and flows, and continuously iterate to improve conversion and retention metrics. Partner with content and design teams to craft compelling messaging and creative assets. Monitor customer feedback and usage patterns to identify opportunities for proactive engagement. Stay up-to-date with lifecycle marketing trends, tools, and best practices to drive innovation. What We’re Looking For Min 3 years of experience in lifecycle, CRM, or retention marketing, ideally in a digital product or B2C environment. Proven track record of designing and optimizing lifecycle campaigns that drive measurable impact. Strong understanding of customer segmentation, behavioral targeting, and marketing automation. Hands-on experience with Customer Engagement platforms (e.g., Braze, MoEngage, CleverTap, HubSpot, Salesforce Marketing Cloud). Analytical mindset with the ability to interpret data and translate insights into action. Excellent communication and project management skills. Experience working cross-functionally with product, data, and design teams. Why Ryt Bank? Build the Future: Be part of a team that's building a bank from the ground up, fueled by Malaysian talent and AI innovation. Make a Real Impact: Help democratize access to intelligent financial tools and services, empowering Malaysians to achieve their financial goals. Grow Your Career: Work in a dynamic and fast-paced environment with ample opportunities to learn and advance your career. Be Part of an Innovative Culture: Collaborate with passionate individuals who are dedicated to pushing the boundaries of what's possible in digital banking. Experience the Ryt Bank Difference: Be part of a company that values your ideas and empowers you to make a difference. Ready to shape the future of AI-powered banking? Join Ryt Bank and be part of the revolution. JR00000623 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":810,"slug":811,"title":812,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":813},63629,"head-of-enterprise-engineering-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Head of Enterprise Engineering","About the Team We're building the next generation of digital banking infrastructure that combines enterprise-grade reliability with startup agility. Our Enterprise Engineering team is the backbone of our technology organization, ensuring our platform delivers an \"always-on\" banking experience while enabling rapid innovation and growth. You'll collaborate with some of the sharpest minds in the industry, operating in a supportive and dynamic environment that fosters creativity, exploration, and innovation. About the Role As the Head of Enterprise Engineering, you will lead the strategic direction and execution of our enterprise engineering operations in a high-growth digital banking environment. You will be responsible for designing, developing, and continuously improving the enterprise engineering landscape that powers our critical payment systems, enterprise applications, and software development infrastructure. This is a unique hands-on leadership opportunity where you'll be both architect and builder, shaping our enterprise solutions while rolling up your sleeves to deliver value to our bank. What You'll Do Leadership & Team Management Lead and manage high-performing software engineering teams, fostering a culture of innovation, excellence, and continuous improvement Mentor and develop engineering talent, building a scalable team structure that supports our growth ambitions Drive technical excellence and best practices across all engineering disciplines Collaborate with cross-functional stakeholders including product, cybersecurity, compliance, and business teams Payment Systems & Domain Expertise Oversee the design, development, and maintenance of mission-critical payment systems including payment gateways, POS systems, and credit card processing platforms Ensure PCI-DSS compliance across all payment-related systems and processes Lead the integration and management of e-wallet solutions and third-party payment providers Drive innovation in payment technologies while maintaining security and regulatory compliance Enterprise Application Management Manage the full lifecycle of enterprise applications, both in-house developed and procured from third-party vendors Oversee the integration, customization, and maintenance of core banking and enterprise systems Establish governance frameworks for vendor management and application portfolio optimization Ensure high availability, performance, and security of all enterprise applications Software Architecture & Development Define and champion robust software architecture principles that support scalability, security, and maintainability Lead the design and implementation of microservices, APIs, and distributed systems Establish coding standards, review processes, and quality assurance frameworks AI-Driven Engineering Innovation Define and champion an AI-agent-first platform culture, integrating intelligent automation and agentic systems into every aspect of our software development lifecycle Build and deploy AI-powered enterprise agents that automate routine tasks, eliminate toil, and dramatically improve operational efficiency Leverage AI\u002FML technologies to enhance software development productivity, code quality, and system reliability Implement AI-driven tools for code generation, testing, deployment, and monitoring What We're Seeking Qualifications & Experience Bachelor's degree in Computer Science, Information Systems, or related field 12+ years of experience in software engineering and enterprise technology, including 5+ years in a leadership role managing engineering teams Proven expertise in payment domains including payment gateways, POS systems, credit card processing, and PCI-DSS compliance Deep expertise in software architecture, system design, and modern software development practices Experience in fintech, banking, or regulated industries is highly preferred Technical Skills Proficiency in multiple programming languages (Java, Javascript, NodeJS, Python or similar) Deep expertise in cloud platforms (AWS, GCP, Azure) and container orchestration (Kubernetes, Docker) Strong background in infrastructure as code (Terraform, CloudFormation) and GitOps practices Experience with payment processing systems, APIs, and financial protocols Deep understanding of observability tools (Prometheus, Grafana, Datadog) and system monitoring Leadership Qualities Ability to balance hands-on technical work with strategic thinking Strong communication skills to influence across technical and non-technical stakeholders Experience driving cultural transformation and adoption of new technologies Data-driven approach to measuring and improving developer productivity and system performance Proven ability to reduce technical debt and eliminate developer toil at scale Strong understanding of regulatory, risk, and compliance requirements in the Malaysian financial services sector What We Value Revolutionary in our thinking Innovative in our products, services and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges Your next thrilling adventure starts here. Be part of shaping the future of digital banking today! JR00000529 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":815,"slug":816,"title":731,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":817},63630,"onboarding-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-3","Job Description: Verify customer identification documents and assess the authenticity of the provided information. Analyze and evaluate customer profiles to ensure compliance with regulatory requirements and company policies. Utilize industry-standard databases and screening tools to perform name screening against global watchlists and sanction lists. Investigate and escalate any potential matches or hits, ensuring adherence to applicable legal and compliance procedures. Stay abreast of updates and changes in sanction lists and adjust the screening process accordingly. Work closely with other members of the compliance team, sharing insights and providing support as necessary. Requirements: Bachelor's degree in any related field (or equivalent work experience). Knowledge of KYC frameworks and systems. Preferably 3 - 5 years of experience in Compliance Money Laundering\u002FTerrorist Financing screening or relevant Banking & Finance. Good knowledge and understanding of Sanctions, PEP & Embargoes Regulation. Possess knowledge of consumer banking products and services as well as regulations governing the consumer banking business and products (will be an added advantage). Enjoy working efficiently and independently in a fast-paced, high-volume environment. Proficient command of English and ability to learn quickly. Ability to work independently and prioritize tasks to meet deadlines. Ability to work with a cross-functional team to coordinate desired output. Candidate should have a risk-based approach\u002Fmindset in problem-solving and the ability to respond well to constructive criticism. A start-up attitude – highly collaborative and globally-minded. JR00000122 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":819,"slug":820,"title":821,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":822},63631,"motion-graphic-designer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Motion Graphic Designer","About the Role Ryt Bank is building The World’s First AI Powered Bank. We are looking for a Motion Graphics Designer (AI Workflows) to help bring our products, campaigns, and brand experiences to life through motion, storytelling, and emerging AI-powered creative tools. This role is ideal for a mid-level creative with 5–6 years of experience who enjoys transforming ideas into engaging visual experiences. You will work across animation, product storytelling, campaign content, and AI-assisted creative development to shape how Ryt Bank communicates with users. Key Responsibilities Create motion graphics, animations, and video content across brand, marketing, and product initiatives Develop product storytelling assets, including app feature demonstrations, user journeys, and explainer animations Translate complex financial products and user flows into simple and engaging visual narratives Design and animate step-by-step product experiences for digital and social platforms Collaborate closely with Brand, Marketing, Product, Growth, and Business teams Explore and leverage AI-powered creative tools for ideation, image generation, video generation, editing, and production workflows Support campaign development from concept through execution Produce creative assets across graphics, motion, video, and digital channels Ensure all creative outputs meet Ryt Bank’s quality, brand, and performance standards Continuously experiment with new creative technologies and workflows to improve speed and creative effectiveness Requirements & Qualifications 5–6 years of experience in motion design, multimedia design, creative production, or related fields Strong portfolio demonstrating motion graphics, animation, and visual storytelling work Proficiency in Adobe Creative Suite, particularly After Effects, Premiere Pro, Photoshop, and Illustrator Familiarity with Figma and digital product design environments Strong understanding of animation principles, transitions, timing, and motion systems Ability to communicate ideas through both static and motion-based design Strong creative thinking and problem-solving skills Ability to manage multiple projects in a fast-paced environment Preferred Skills Experience working in app-based, digital product, fintech, e-commerce, or technology companies Experience creating product walkthroughs, feature explainers, UI animations, or onboarding videos Hands-on experience with AI creative tools such as Runway, ChatGPT, Midjourney, Kling, Veo, or similar platforms Experience with AI-assisted video generation and creative production workflows Understanding of performance marketing, social content, and digital campaigns Basic knowledge of video editing, sound design, and content production Working Style & Attributes Curious about emerging technology and AI Strong ownership mindset and attention to detail Comfortable experimenting, iterating, and learning quickly Collaborative and proactive communicator Passionate about building new creative possibilities through technology Why Join Ryt Bank Be part of a team building a new digital bank from the ground up Work at the intersection of finance, creativity, and AI innovation Access emerging creative technologies and AI workflows Collaborate across product, growth, marketing, and brand functions Help define the future of banking experiences in Malaysia Application Requirement Candidates must submit a portfolio showcasing motion design, animation, video, creative storytelling, and AI-assisted creative work. Please include examples that demonstrate your use of AI tools within the creative process, such as concept development, image generation, video generation, animation, editing, or production workflows. Experience and titles matter less than the quality of ideas, execution, creative thinking, and ability to build compelling creative experiences. JR00000621 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":824,"slug":825,"title":826,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":827},63632,"non-financial-risk-lead-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Non-Financial Risk Lead","Position Summary We are a pioneering, licensed Malaysian digital bank entering our second year of commercial operations. Having successfully launched our initial wave of financial products, we are rapidly scaling our digital ecosystem to serve Malaysia's retail and non-retail segments. Operating in a fast-paced environment where agility and automation are paramount, we are seeking a highly adaptable and versatile Non-Financial Risk Lead who is responsible for leading and strengthening the Bank’s Operational and Non-Financial Risk Management practice across the organization. This role will drive the design, implementation, and continuous enhancement of risk frameworks, governance, methodologies, and reporting capabilities to ensure the Bank maintains a strong and resilient control environment in line with regulatory expectations. The role acts as a trusted advisor to business and support functions on operational and non-financial risk matters, while enabling innovation, digital transformation, and sustainable growth through proactive risk management. Key Responsibilities 1. Operational & Non-Financial Risk Leadership Lead the Bank’s Operational Risk function and drive enterprise-wide non-financial risk initiatives, including emerging risks. Develop, maintain, and continuously enhance forward-looking risk frameworks aligned with Bank Negara Malaysia (BNM) regulatory expectations and industry best practices. Evolve methodologies and practices to address the changing risk landscape, including digital, technology, and operational risks. Provide advisory and guidance to all business and support functions on Operational and Non-Financial Risk matters. Produce high-quality Operational Risk reporting for Senior Management, Board Committees, and Bank Negara Malaysia (BNM). Deliver forward-looking insights on risk trends, control weaknesses, and emerging threats impacting the Bank. 2. Risk Frameworks, Policies & Governance Maintain and enhance Operational Risk policies, frameworks, procedures, and governance processes, including: a) Risk & Control Self-Assessment (RCSA) b) Key Risk Indicators (KRI) c) Operational Risk Event Management d) Outsourcing & Third-Party Risk Management Ensure strict alignment with applicable BNM regulatory requirements, including Risk Governance, Outsourcing, and related guidelines. Oversee governance and maintenance of Bank-wide policies, procedures, and documentation standards. Drive consistency, effectiveness, and accountability in risk management practices across the organization. 3. New Products & Business Initiatives Establish and operationalize robust risk assessment frameworks for: a) New product approvals and product variations b) New business initiatives c) System implementations and process changes Ensure risks are proactively identified, assessed, mitigated, and appropriately controlled prior to implementation. Partner closely with business, product, technology, compliance, and operations teams to support safe and sustainable innovation. 4. Third-Party Risk Management (TPRM) Lead end-to-end Third-Party Risk Management practices across the Bank. Ensure compliance with applicable regulatory requirements while implementing effective methodologies to identify, assess, monitor, and manage third-party risk exposure. Oversee key TPRM pillars: a) Vendor due diligence and onboarding b) Risk assessments and control reviews c) Ongoing monitoring and performance oversight d) Periodic testing and reviews of TPRM effectiveness Support business stakeholders in strengthening vendor governance and risk management practices. 5. Technology, Cyber & Data Risk Integrate technology, cyber, and data risk considerations into the Bank’s Operational Risk framework in alignment with BNM RMiT (Risk Management in Technology) requirements. Collaborate closely with Technology Risk, Information Security, and Technology teams to strengthen the overall control environment. Support oversight of technology-related operational risks arising from digital banking operations, cloud services, outsourcing, and emerging technologies. 6. Business Continuity & Resilience Support operationalization of the Bank’s risk incident management framework by ensuring relevant functions effectively manage: Risk event identification and reporting Incident registration and tracking Root cause analysis Corrective and preventive remediation actions Work with and Support Business Continuity & Crisis Management (BCCM) team’s efforts to enhance organizational resilience and regulatory compliance. Areas include: Business Continuity Management (BCM), Disaster Recovery (DR), and Crisis Management design and activities Ensure effective ORM oversight, monitoring, and reporting of resilience-related risks and incidents. 7. ESG & Emerging Risks Incorporate ESG-related risk considerations into the Bank’s Non-Financial Risk framework where applicable. Monitor, assess, and provide insights on emerging risks impacting the banking and digital ecosystem. Develop and enhance risk management approaches to address evolving regulatory, operational, and strategic risks. 8. Risk Systems, Transformation & AI Enablement Drive implementation and enhancement of Operational Risk systems, tools, and data capabilities. Lead risk transformation initiatives to improve efficiency, scalability, and effectiveness of risk management processes. Leverage automation, AI enablement, and data analytics to strengthen risk identification, monitoring, reporting, and decision-making capabilities. Continuously enhance risk infrastructure and reporting capabilities across the Bank. 9. Stakeholder Engagement & Risk Culture Provide advisory, training, and guidance to business and support functions on Operational and Non-Financial Risk matters. Develop impactful training materials and presentations to strengthen risk awareness and accountability. Collaborate closely with business, compliance, technology, operations, and support teams to embed effective risk management practices. Promote and cultivate a strong risk culture across the organization. Requirements Education & Experience Education: Bachelor’s degree in Finance, Accounting, Risk Management, Business, Information Systems, or related disciplines. Experience: 10–15 years of relevant experience in Operational Risk and\u002For Non-Financial Risk Management within banking or financial services. Hard Skills & Competencies Regulatory Knowledge: Strong knowledge of BNM regulatory requirements, including RMiT, Outsourcing, Risk Governance, and Operational Risk Management. Core Competencies: Hands-on experience in RCSA, KRI development\u002Freporting, incident and loss event management, regulatory reporting, and Third-Party Risk Management. Preferred Skills: Exposure to ESG risk management, Technology Risk, and digital banking environments. Multi-Product Knowledge: Proven ability to understand the risk dynamics of both high-volume digital retail deposits\u002Floans and SME\u002Fcommercial financing, any other bank product offerings Tech Comfort: Familiarity with modern data visualization tools, systems implementation, workflow automation, or AI enablement. Soft Skills & Culture Fit Versatility: Willingness to operate as a \"player-coach\" - capable of planning high level programmes \u002F strategies while also able to execute the same Meticulous & Structured: Strong organizational skills to manage a broad coverage of work. Excellent Communicator:  Highly collaborative and willing to engage across functions and seniority levels.Strong communication and presentation skills, with the ability to articulate risks, provide recommendations, and share clear points of view to drive practical solutions. Positive outlook and inquisitive: Self-driven, analytical, and comfortable operating in a fast-paced, evolving environment. Success Measures Framework Maturity: Strength and maturity of the Bank’s Non-Financial Risk frameworks and governance practices. Regulatory Compliance: Positive outcomes and Clean bills of health from internal\u002Fexternal audits and regulatory assessments. Reporting Quality: Accuracy, timeliness, and actionable depth of risk reporting and management information. Innovation & Efficiency: Successful implementation of risk systems, workflow automation, and efficiency gains. Risk Culture: Measurable strengthening of the organizational risk culture and high levels of stakeholder engagement. Proactive Mitigation: Improved visibility, management, and reduction of emerging and operational risks across the Bank. What’s In It For You? The opportunity to shape the foundational risk architecture of a live digital bank. A high-visibility role across the Bank at all levels A vibrant start-up culture that champions intellectual excellence, execution speed and collaboration. Be at the forefront of advanced risk technology adoption. JR00000598 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":829,"slug":830,"title":831,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":832},63633,"strategy-amp-sales-management-manager-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Strategy & Sales Management Manager","Ryt Bank is looking for a strategic and results-driven Strategy & Sales Management Manager to join our dynamic Sales team. In this role, you’ll be responsible for crafting and executing sales strategies that fuel our growth, strengthen customer relationships, and empower our teams to perform at their best. You won’t just be managing sales—you’ll be shaping how we grow. From identifying market opportunities to coaching high-performing teams, you’ll play a key role in driving revenue, enhancing customer experience, and delivering on our promise of banking that works for everyone. This role is ideal for someone who thrives on strategy, leads with purpose, and is excited to make a measurable impact in a fast-paced, digital-first environment. Key Responsibilities: Sales Strategy & Execution Develop and implement sales strategies aligned with bank objectives. Monitor market trends and competitor activities to identify opportunities. Drive acquisition of new customers and cross-selling of banking products. Team Leadership & Development Lead, coach, and motivate sales teams to achieve KPIs. Conduct regular performance reviews and training sessions. Foster a high-performance culture and ensure compliance with bank policies. Customer Relationship Management Build and maintain strong relationships with key clients. Ensure high levels of customer satisfaction and retention. Resolve escalated customer issues effectively. Reporting & Analysis Prepare sales forecasts, budgets, and performance reports. Analyze sales data to identify trends and areas for improvement. Present insights and recommendations to senior management. Compliance & Risk Management Ensure all sales activities comply with regulatory requirements. Work closely with risk and compliance teams to manage operational risks. Qualifications & Requirements: Bachelor’s degree in Business, Finance, Banking, or a related field. At least 5 years of experience in SME sales, relationship management, or transaction banking. Demonstrated success in meeting or exceeding sales targets within the banking or financial services industry. Knowledge of transaction banking products and services (such as cash management, trade finance, and payments) would be an added advantage. Exceptional communication, negotiation, and presentation abilities. Proven ability to build rapport and establish trust with clients across various levels. Analytical thinker with excellent problem-solving capabilities. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000461 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":834,"slug":835,"title":836,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":837},63634,"people-strategy-and-culture-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","People Strategy and Culture Intern","Key Responsibilities: Assist in recruitment activities, including posting job openings, reviewing resumes, and scheduling interviews. Support the onboarding process for new hires, ensuring a smooth transition into the company. Help organize and facilitate employee engagement initiatives and events. Assist with maintaining and updating employee records and HR databases. Collaborate with the HR team to improve processes and enhance the employee experience. Provide administrative support to HR projects as needed. Qualifications: Strong interest in pursuing a career in Human Resources or a related field. Excellent communication skills, both written and verbal. Detail-oriented with strong organizational skills. Positive attitude with a passion for helping others succeed. Ability to manage multiple tasks and prioritize effectively. Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint). Curiosity and a willingness to learn about HR best practices. Benefits: Gain hands-on experience in a fast-paced, dynamic HR environment. Work closely with a collaborative and supportive HR team. Develop key skills in recruitment, employee relations, and organizational development. Contribute to creating a positive and engaging workplace culture. Opportunity to build a solid foundation for your career in HR. If you’re ready to gain valuable experience, make meaningful contributions, and grow with a company that cares about its people, we’d love to hear from you. Join us as we shape the future of HR together! JR00000596 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":438,"slug":439,"title":440,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":839},"About the Team: Ryt Bank is seeking a motivated and detail-oriented QA Intern to join our team and help ensure the quality of our products. You’ll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Key Responsibilities: Collaborate with the team to design and execute test cases for web\u002Fmobile application. Develop, enhance, and maintain automated web\u002Fmobile applications testing including coding, debugging, and testing for the system. Identify and document defects and issues encounter during testing. Collaborate with your supervisor to update training materials, documentations and resources related to quality assurance processes and projects. Qualifications: Currently pursuing a degree or bachelor’s in computer science, Computer Engineering, Software Engineering, Information Technology or any related field. Strong attention to detail and analytical thinking. Basic understanding of software testing concepts. Eagerness to learn and work in a team environment. Benefits: Gain valuable hands-on experience in quality assurance. Work on real-world projects and contribute to the success of a growing company, Learn from experienced professionals and build a strong professional network. Develop essential skills for a successful career in quality assurance. Opportunity to contribute to the future of digital banking. JR00000633 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":841,"slug":842,"title":843,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":844},63637,"ryt-bank-invest-fair-2026-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Ryt Bank Invest Fair 2026","Career Opportunities (Various Functions) Shape the Future of Banking with Ryt At Ryt, we're building a digital bank designed for the future, one that reimagines how banking can be simpler, smarter, and more meaningful for Malaysians. We're looking for exceptional talent to help us accelerate this journey, with openings across various functions (Engineering – Frontend \u002F Backend, Data & Analytics, Product, Technology – Cybersecurity \u002F Site Reliability Engineer, Human Resources, Risk, Compliance, Internal Audit, Operations, Business Banking – Relationship Manager, and more). Whether you're an experienced specialist, emerging leader, or accomplished professional seeking your next challenge, you'll have the opportunity to make a tangible impact in a high-growth environment where innovation, agility, and customer obsession drive everything we do. This is an opportunity to work alongside talented professionals, solve complex challenges, and contribute to the development of a modern financial institution from the ground up. What You'll Do Depending on your expertise, role, and team, you may: Lead or contribute to strategic initiatives that support the bank's growth and transformation Drive projects, programmes, and operational excellence within your functional area Analyse business challenges, identify opportunities, and deliver impactful solutions Design, build, implement, or optimise products, processes, systems, and customer experiences Partner with stakeholders across business and technology teams to deliver meaningful outcomes Leverage data, insights, and industry trends to inform decision-making and innovation Champion continuous improvement and help shape the future operating model of a digital bank Take ownership of key deliverables and influence outcomes that matter to customers and the business Why Join Ryt At Ryt, you'll have the opportunity to: Be part of a team building one of Malaysia's next-generation digital banks Work on impactful initiatives that directly shape customer experiences and business outcomes Collaborate with talented professionals across diverse disciplines Tackle complex challenges in a dynamic and fast-evolving environment Expand your expertise through exposure to banking, technology, digital innovation, and transformation Accelerate your professional growth through meaningful work, stretch opportunities, and cross-functional collaboration Help create products, services, and experiences that make a difference for our customers What We're Looking For We welcome professionals from diverse backgrounds, experiences, and career stages who bring: Relevant experience, expertise, or academic qualifications aligned to their area of interest A growth mindset, intellectual curiosity, and a passion for continuous learning Strong analytical thinking and problem-solving capabilities Excellent communication and stakeholder management skills The ability to navigate ambiguity and thrive in a fast-paced environment A collaborative approach and the ability to build strong working relationships Initiative, accountability, and a strong sense of ownership A desire to contribute to meaningful work and create lasting impact Interested in Joining Ryt? If you're excited by the opportunity to help build the future of digital banking, we'd love to hear from you. Submit your application and share your areas of interest with us. We'll review your profile for consideration of opportunities that align with your skills, experience, expertise, and career aspirations. We are hiring across various functions (Engineering – Frontend \u002F Backend, Data & Analytics, Product, Technology – Cybersecurity \u002F Site Reliability Engineer, Human Resources, Risk, Compliance, Internal Audit, Operations, Business Banking – Relationship Manager, and more). For technology opportunities, explore our technology stack here: Ryt Bank's Tech Stack | StackShare JR00000612 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":846,"slug":847,"title":848,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":849},63639,"relationship-manager-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-3","Relationship Manager","About the Team: Are you ready to be part of a transformative journey in digital banking? Join our vibrant team of visionaries and innovators as we redefine SME banking. Our team thrives on collaboration, innovation, and a shared commitment to excellence. We are passionate about delivering tailored financial solutions to small and medium-sized enterprises (SMEs) through cutting-edge digital platforms. This is your opportunity to shape the future of banking and make a meaningful impact. About the Role: We are seeking a dynamic and customer-focused Business Banking Relationship Manager to join our digital bank. In this role, you will be responsible for acquiring, managing, and growing relationships with SMEs, providing financial solutions through digital channels. You will work independently while also collaborating with cross-functional teams to deliver exceptional service and drive SME growth. Key Responsibilities: Identify and onboard new Business Banking clients through digital outreach, referrals, and partnerships. Manage a portfolio of Business Banking clients, ensuring high levels of satisfaction and retention. Conduct regular reviews to understand client needs and offer appropriate financial solutions. Promote the bank’s suite of Business Banking products. Utilize CRM and digital banking platforms to monitor client activity and engagement. Ensure all client interactions and transactions comply with regulatory and internal policies. Prepare regular reports on portfolio performance, client feedback, and market trends. Qualifications: Bachelor’s degree in Business, Finance, Economics, or related field. Minimum 1–2 years of experience in financial institutions, Fintech or Digital Banking. Strong understanding of SME financial needs and banking products\u002Fmicrofinancing. Familiarity with digital banking platforms and fintech solutions. Excellent communication, negotiation, and interpersonal skills. Ability to work independently and in a fast-paced, digital-first environment. What We Value: Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation. Curiosity for continuous learning and improvement. Benefits: Be part of a forward-thinking digital bank transforming Business Banking. Work with cutting-edge technology and innovative financial products. Enjoy a flexible, inclusive, and growth-oriented work culture. Contribute to the development of reliable systems that delight our Business Banking clients. Collaborate with a team of like-minded individuals to deliver exceptional products. JR00000499 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":851,"slug":852,"title":853,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":854},63640,"security-analyst-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Security Analyst","About the Team We're building the next generation of digital banking infrastructure that combines enterprise-grade reliability with startup agility. Our Cyber Security team is the backbone of our technology organisation, ensuring that innovation and trust go hand in hand as we scale Malaysia's first AI-powered digital bank. You'll collaborate with some of the sharpest minds in the industry, operating in a supportive and dynamic environment that fosters creativity, exploration, and innovation. Your next thrilling adventure starts here. Be part of shaping the future of digital banking today! About the Role Security Analysts are the operational core of Ryt Bank's Cyber Operations team, responsible for security monitoring, detection engineering, incident response, threat intelligence, and vulnerability management. The team runs two seniority levels — Sr Security Analyst and Security Analyst — sharing the same broad remit across all defensive domains. The distinction lies in depth of experience, independence of execution, and breadth of ownership. Sr Security Analysts are expected to lead independently across all domains, drive detection engineering improvements, and mentor junior analysts. Security Analysts build foundational capability across a subset of domains, growing toward full-spectrum ownership over time. Both roles are well-suited to technically sharp, methodical individuals eager to work in a fast-moving AI-powered digital bank where the threat landscape — including AI-native attack surfaces — evolves daily. What You'll Do DETECTION & MONITORING Triage security alerts escalated from the MSSP (L1), applying MITRE ATT&CK and bank-specific context to determine severity and response. Sr Analysts lead L2\u002FL3 triage with independent judgement; Analysts handle L2 triage under guidance. Develop and maintain detection-as-code rules (Sigma, KQL) in the SIEM. Sr Analysts own the detection engineering programme — developing, tuning, and retiring rules based on threat intelligence; Analysts contribute rules and improvements. Monitor security event logs, network traffic, endpoint telemetry, and application logs for indicators of compromise. Develop SOAR playbooks. Sr Analysts drive automation improvements and reduce analyst toil team-wide; Analysts contribute to individual playbook development. INCIDENT RESPONSE Participate in incident response activities — triage, containment, evidence collection, eradication, and post-incident review. Sr Analysts lead complex or prolonged incidents; Analysts participate under Sr Analyst or Lead direction. Conduct digital forensics and malware analysis. Sr Analysts produce forensic reports suitable for regulatory and legal purposes; Analysts handle standard analysis and escalate complex cases. Maintain accurate incident records for BNM reporting and post-incident learning. Support BNM incident notification preparation. Sr Analysts coordinate ORION reporting; Analysts assist with documentation. THREAT INTELLIGENCE Convert intelligence findings into actionable detection rules, IOC blocklists, and SOAR playbook triggers. Monitor AI-specific threat patterns — deepfake fraud, prompt injection campaigns, adversarial inputs targeting DIDE, MCP\u002Fagentic workflow exploitation. Sr Analysts produce strategic threat assessments and briefings; Analysts monitor and escalate findings. Support monthly BNM threat assessment report preparation. Sr Analysts lead report production; Analysts provide data and draft sections. VULNERABILITY MANAGEMENT Track and coordinate remediation of identified vulnerabilities within agreed SLAs. Maintain the bank's vulnerability management platform and ensure asset coverage is complete. What We're Seeking EXPERIENCE 3–5 years across SOC operations, threat intelligence, incident response, and vulnerability management — with demonstrated ability to operate independently across all domains. Proven ownership of a threat intelligence programme or detection engineering function. Deep familiarity with dark web monitoring, OSINT tradecraft, and CTI operationalisation. Strong exposure to AI\u002FML threat vectors — deepfake fraud, adversarial AI, LLM-specific attacks, agentic workflow exploitation. Experience in a regulated financial institution or digital banking environment is strongly preferred. SKILLS (BOTH LEVELS) Proficiency in detection-as-code — Sigma, KQL, or SPL. Methodical and precise incident documentation and analytical skills. Ability to operate calmly and decisively under pressure during live incidents. Sr Analysts: expert-level proficiency, ability to lead incidents and mentor others, strong report-writing for board and BNM audiences. Analysts: growing proficiency, collaborative mindset, proactive in expanding domain coverage. PREFERRED CERTIFICATIONS CompTIA CySA+, Security+. GIAC GCIH, GCFA, or GCTI. Sr Analysts: CISSP or CISM for senior progression. CEH or equivalent. What We Value Revolutionary in our thinking. Innovative in our products, services and the way we work. Genuine in our intentions. Honourable in our actions. Tenacious in overcoming challenge. Requirements added by the job poster • Authorized to work in Malaysia • 3+ years of work experience with Security Operations Center • 3+ years of work experience with Cyber Threat Intelligence (CTI) • 3+ years of work experience with Cybersecurity Incident Response JR00000608 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":856,"slug":857,"title":858,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":859},63641,"senior-backend-engineer-enterprise-engineering-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Backend Engineer (Enterprise Engineering)","About the Team: Are you ready to take ownership and make your mark on the fastest growing digital banking project? Our Enterprise Engineering team is at the heart of building the digital bank of the future, and we're looking for talented engineers who want to do more than just write code. As a Senior Backend Engineer within Enterprise Engineering, you will be part of a team building internal and enterprise-facing software tools that serve the bank's internal staff, partners, and clients. This includes developing and maintaining core banking systems, merchant acquiring platforms, and other internal banking applications. You will work alongside engineers, architects, and product builders in a collaborative environment where your contributions make a direct impact on the people and businesses that rely on our platform every day. If you are a passionate engineer eager to make a difference, join us as we shape the future of digital banking together. About the Role: Lead, develop and maintain scalable and reliable microservices powering core banking systems, merchant acquiring platforms, and internal banking applications. Drive technical decision-making on backend architecture, ensuring systems are performant, secure, and capable of handling high-demand production scenarios. Mentor junior and mid-level engineers, drive engineering best practices, and contribute to a culture of continuous improvement across Enterprise Engineering. What You'll Do: Backend Development: Design and develop distributed systems and microservices, primarily using Java and Spring Boot with REST APIs and messaging systems. Design and implement event-driven systems using Kafka to enable seamless communication between services. Build and maintain backend services that underpin core banking systems, merchant acquiring platforms, and internal banking applications. Ensure high performance, scalability, and reliability of backend services in production environments. System Design & Architecture: Lead technical projects and make architectural and design decisions aligned with business goals and engineering best practices. Design and manage data models across relational (PostgreSQL) and non-relational databases. Develop and consume internal\u002Fexternal APIs of varying complexity, ensuring robust service contracts and backward compatibility. Design containerised applications using Docker and manage orchestration with Kubernetes. AI Coding Tools: Leverage AI coding tools (e.g. ILMU, Claude, GitHub Copilot) productively for backend development, test generation, and code review assistance. Apply critical engineering judgement to validate, refine, and take full ownership of AI-generated code before integration. Testing & Quality: Achieve meaningful unit and integration test coverage across backend services. Participate actively in peer code reviews, providing and receiving constructive technical feedback. Contribute to CI\u002FCD quality gates and ensure services meet performance and security standards before release. CI\u002FCD & DevOps: Manage own CI\u002FCD pipeline contributions, configure build steps, run automated tests, and troubleshoot pipeline failures. Follow Git branching strategies and raise well-structured pull requests with clear context and test evidence. Collaboration & Mentorship: Work closely with product owners, frontend engineers, QA teams, and Lead engineers within Enterprise Engineering to clarify requirements and deliver features end-to-end. Provide mentorship and technical guidance to junior and mid-level engineers, fostering a culture of collaboration and growth. Participate in sprint planning, retrospectives, and backlog grooming sessions. Documentation: Produce and maintain technical documentation for backend services, APIs, and data models. Contribute to Architecture Decision Records (ADRs) and engineering runbooks. What We're Seeking: Malaysian citizen (holder of a valid MyKad). Bachelor's degree in Computer Science, Information Technology, Software Engineering, or a related field; or equivalent work experience with relevant professional certifications. Minimum 5 years of hands-on backend software development experience, with a track record of delivering production-grade systems. Strong proficiency in Java and object-oriented programming (OOP) principles. Familiarity with other OOP languages is an advantage. Solid experience with Spring Boot for building microservices and RESTful APIs. Solid understanding of messaging systems, particularly Kafka or equivalent event streaming platforms. Hands-on experience with both relational databases (PostgreSQL) and non-relational databases. Experience designing and consuming web APIs of reasonable complexity, including versioning and backward compatibility. Hands-on experience with containerised applications using Docker and Kubernetes. Productive user of at least one AI coding tool (e.g. ILMU, Claude, GitHub Copilot); applies engineering judgement to validate AI-generated output. Solid understanding of software security principles and performance optimisation for high-load backend services. Good communication and interpersonal skills for effective cross-functional collaboration within Enterprise Engineering. Familiarity with digital banking, core banking systems, or financial technology applications is an advantage. Technology Stack: Languages and Frameworks: Java, Spring Boot Databases: PostgreSQL Messaging: Kafka Containers and Orchestration: Docker, Kubernetes What We Value: Revolutionary in our thinking Innovative in our products, services and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000617 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":861,"slug":862,"title":863,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":864},63642,"senior-legal-counsel-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Legal Counsel","Role Overview We are a pioneering, licensed Malaysian digital bank in our foundational phase of operations, scaling rapidly across retail and non-retail segments with a mandate to serve Malaysia's unserved and underserved communities. In this role, you will serve as the primary in-house legal counsel to our Products team on the structuring and launch of financing, credit, and investment products. Responsibilities: Advise on legal concepts relevant to financing, credit, investment, and wealth products, including standard and discretionary loans and investment mandates. Review, draft, and negotiate product-related legal documentation, including facility agreements, security instruments, investment contracts, terms and conditions, and customer-facing disclosure. Develop and maintain a library of product agreement templates and legal playbooks aligned to the bank's product suite. Support cross-functional teams in preparing product risk assessments, pre-launch legal checklists, product approval documentation, and relevant internal policy and SOPs. Provide legal QA support for internal and regulatory audits, including gap identification and remediation advice. Advise on applicable banking, securities, and financial services laws and regulations, and proactively flag regulatory developments affecting the product pipeline. Engage and manage external counsel where specialist or contentious legal support is required. Collaborate and work with other legal team members on other general assignments, projects, or general contract\u002Fdocuments review (outside of loans and wealth product scope). Requirements Admitted to the Malaysian Bar or equivalent professional qualification. Minimum 5 years PQE with experience in banking and securities law practice areas (whether gained in private practice, in-house, or both). Demonstrable experience advising on financial products, lending practices, or investment and wealth products. Working knowledge of applicable banking and securities legislation and regulatory frameworks in a tech environment. Ability to translate complex legal and regulatory requirements into actionable product guidance for non-legal stakeholders. Ability to manage multiple product workstreams. JR00000605 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":866,"slug":867,"title":868,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":869},63644,"senior-product-manager-open-finance-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Product Manager, Open Finance","About the role Open Finance is one of the most significant shifts in how consumers and businesses interact with their financial data. At Ryt Bank, we believe access to richer financial data unlocks meaningfully better products across credit, money management, and financial wellness. We are looking for a Senior Product Manager to lead this agenda. This role sits at the intersection of external partnership, internal platform, and customer outcomes. You will own Ryt Bank’s Open Finance programme end to end, starting with our integration with Paynet, and drive the adoption of financial data capabilities across product teams to create real value for our customers. You will need to be equally strong at strategy and execution, comfortable navigating regulatory complexity without losing sight of the customer, and effective at rallying cross-functional teams around a shared vision for what Open Finance can do for Ryt. What you will do Shape and drive the Open Finance roadmap, balancing short-term delivery milestones with a longer-term vision for how financial data can power better products across the bank. Lead the end-to-end delivery of the Paynet integration, from requirements and internal process design through to UAT, go-live, and sustained operations. Champion the adoption of Open Finance capabilities across product teams, working closely with consuming pods to understand their data needs and ensuring successful rollout of downstream use cases. Own the success metrics for Open Finance, including both product outcomes and operational health metrics such as API reliability, data consistency, and latency. Build monitoring and alerting frameworks alongside engineering and data teams to ensure the integration is robust and issues are caught before customers are affected. Own the consent experience end to end, ensuring it is clear, trustworthy, and conversion-optimized. Partner with Risk, Legal, and Compliance to ensure governance frameworks, reporting, and regulatory obligations are met. What we are looking for Experience shipping products at a fast-growing fintech or digital bank, with a track record of leading high-impact initiatives from ambiguous problem to measurable outcome. Deep familiarity with Open Finance or Open Banking, including data sharing frameworks, financial data APIs, consent models, and the regulatory context underpinning them. Strong data-driven decision-making, able to define the right success metrics, build a clear picture of performance, and use evidence to prioritise ruthlessly. Ability to drive complex, cross-functional delivery involving engineering, data, design, risk, legal, and external partners, with clarity and without losing momentum. Intellectual honesty about what is and is not working, and the resilience to navigate ambiguity and course-correct quickly. Strong product sense, able to connect infrastructure decisions to customer outcomes and articulate the value of Open Finance in terms that resonate across the business. Excellent communication skills, able to align senior stakeholders, engage external partners, and work shoulder-to-shoulder with engineers within the same week. Nice to have Direct experience with Paynet products or Malaysia’s financial infrastructure, such as DuitNow, MyDebit, JomPAY, or the Paynet Open API ecosystem. Familiarity with Bank Negara Malaysia’s Open Finance Framework or equivalent frameworks such as UK Open Banking. Hands-on experience with open banking or open finance platforms such as Plaid or similar. Prior work with credit underwriting or PFM products, with an appreciation for how financial data quality directly shapes model accuracy and customer outcomes. JR00000559 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":871,"slug":872,"title":873,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":874},63645,"senior-network-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Network Engineer","Role Summary Ryt Bank is seeking a highly experienced Senior Network Engineer to lead the design, operation, security, and continuous improvement of the bank’s enterprise network infrastructure. This role is responsible for end-to-end network management across corporate offices, data centre environments, and selected components within AWS and Alibaba Cloud. The ideal candidate will have deep hands-on expertise in enterprise networking, firewalls, VPNs, WiFi, and switching, with strong working knowledge of server and database administration to ensure secure, resilient, and high-performance systems that meet banking-grade availability and compliance requirements. Key Responsibilities Enterprise Network Management • Design, implement, operate, and maintain the bank’s enterprise network infrastructure, including LAN, WAN, and VPN networks • Administer and optimise enterprise-grade network switches, routing, and segmentation • Ensure high availability, performance, scalability, and fault tolerance across all network environments • Lead network troubleshooting, root-cause analysis, and incident resolution Network Security, Firewalls & VPN • Manage and administer enterprise firewalls, security policies, and network access controls • Design, deploy, and maintain site-to-site and remote-access VPNs • Work closely with security teams to ensure compliance with internal security standards, regulatory requirements, and audit expectations • Implement network hardening, segmentation, and monitoring best practices WiFi & Office Network Infrastructure • Design, deploy, and manage enterprise WiFi solutions for office environments • Ensure secure authentication, coverage optimisation, and performance tuning • Support office expansions, relocations, and upgrades from a network perspective Cloud Networking (AWS & Alibaba Cloud) • Manage and support hybrid network connectivity between on-premise environments and cloud platforms • Administer selected networking components within AWS and Alibaba Cloud, including VPC\u002FVPC-like constructs, routing, security groups, and connectivity services • Support cloud-based workloads with secure, resilient network designs Server & Database Administration • Provide administration and operational support for servers and databases (on-premiseand\u002For cloud) • Perform system maintenance, patching, performance monitoring, and capacity planning • Support backup, recovery, and high-availability configurations • Work closely with application and platform teams to ensure infrastructure reliability Operations, Documentation & Governance • Maintain accurate network diagrams, configurations, and technical documentation • Participate in change management, release planning, and maintenance windows • Support audits, compliance reviews, and regulatory assessments • Mentor junior engineers and provide technical leadership when required Required Skills & Experience Technical Experience • 8+ years of experience in enterprise network engineering or infrastructure roles • Strong hands-on experience with: o Enterprise firewalls and security appliances o VPN technologies (site-to-site and remote access) o Enterprise network switches and routing o Enterprise WiFi design and administration • Practical experience supporting AWS and Alibaba Cloud networking • Experience with server and database administration, including maintenance and operational support • Strong troubleshooting skills across network, system, and connectivity layers Technical Knowledge • TCP\u002FIP, routing, switching, VLANs, network segmentation • Network security principles and best practices • High-availability and resilient infrastructure design • Monitoring, logging, and performance optimisation Qualifications & Certifications (Preferred) • Relevant certifications such as: o CCNP \u002F CCIE or equivalent o Firewall or security certifications o AWS or Alibaba Cloud certifications Personal Attributes • Strong ownership mindset and accountability • Able to operate independently in a senior, hands-on role • Clear communicator with both technical and non-technical stakeholders • Comfortable working in a regulated, security-sensitive environment • Detail-oriented with strong documentation discipline JR00000549 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":876,"slug":877,"title":878,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":879},63646,"senior-product-manager-trust-amp-security-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Product Manager, Trust & Security","About the role We are looking for a Senior Product Manager to lead Ryt Bank’s Trust and Safety Pod, owning fraud and scam prevention, AML and CFT controls, and secure, low friction authentication and account access. You will work closely with Engineering, Risk, Compliance, Legal, Fraud Ops, Customer Support, Data, and external vendors to ship controls that reduce losses, meet regulatory expectations, and keep genuine customers moving. What you will do Own the Trust and Safety roadmap and delivery across fraud, scams, AML and CFT, authentication, and account recovery, translating risk and regulatory requirements into product capabilities. Work closely with the onboarding product team to define best in class authentication services and experiences across onboarding, login, step up, and recovery, applying necessary friction only where it materially reduces risk. Design and continuously improve authentication and step up journeys for onboarding, login, high risk actions, and recovery, balancing security, conversion, and usability. Build and tune fraud and scam controls across the customer journey, including rules and decisioning, risk scoring integration, transaction monitoring, beneficiary and mule mitigations, confirmations, and customer protections. Partner with internal fraud teams and Compliance to operationalise controls and workflows, manage false positives, and ensure investigation and case handling is fast and auditable. Own vendor integrations and performance, define requirements and success metrics, and ensure controls are measurable, explainable, and resilient. Define and run the Trust and Safety metrics cadence, covering fraud and scam loss, account takeover, false positive rate, step up rate, authentication success, recovery success, disputes, and related customer complaints. What we are looking for 4 to 6 years of product management experience, ideally in fraud, identity, security, payments risk, AML, compliance, or trust and safety within a bank, fintech, payments, or large consumer platform. Strong judgement in security versus experience tradeoffs, able to reduce risk without creating unnecessary friction for genuine users. Ability to turn ambiguous threats and policy requirements into clear requirements, phased roadmaps, and measurable outcomes. Comfortable working with technical and operational systems such as risk engines, rules, device signals, identity verification, transaction monitoring, case management, and audit logging. Strong data fluency, able to diagnose issues, prioritise fixes, and validate impact through metrics and controlled change. Strong cross functional leadership, able to align teams and drive execution across Engineering, Risk, Compliance, Ops, and Support. Nice to have Experience in regulated environments and audit readiness. Familiarity with scam and fraud typologies, account takeover, mule risk, and social engineering mitigations. Experience managing vendors for fraud and identity solutions. JR00000558 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":881,"slug":882,"title":883,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":884},63647,"senior-vapt-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior VAPT Engineer","About the Team We're building the next generation of digital banking infrastructure that combines enterprise-grade reliability with startup agility. Our Cyber Security team is the backbone of our technology organisation, ensuring that innovation and trust go hand in hand as we scale Malaysia's first AI-powered digital bank. You'll collaborate with some of the sharpest minds in the industry, operating in a supportive and dynamic environment that fosters creativity, exploration, and innovation. Your next thrilling adventure starts here. Be part of shaping the future of digital banking today! About the Role VAPT Engineers sit within the 2nd-line CISO organisation at Ryt Bank, providing independent penetration testing and vulnerability assessment capability that is structurally separate from the 1st-line security function. This role is for security professionals who are genuinely passionate about offensive security — finding vulnerabilities before adversaries do and helping Ryt Bank understand its real attack surface as an AI-powered digital bank. What You'll Do PENETRATION TESTING & VAPT Plan and execute quarterly vulnerability assessments across the bank's full infrastructure, applications, and API surface. Sr VAPT Engineers own and lead the programme; VAPT Engineers execute assessments and triage findings. Coordinate the annual intelligence-led penetration test covering internal network, external perimeter, applications, and APIs. Sr VAPT Engineers scope, manage, and validate; VAPT Engineers support execution. Lead the bank's triennial red team simulation — intelligence-led, adversary-simulated exercises targeting critical banking systems. Sr VAPT Engineers lead; VAPT Engineers participate and develop skills. Manage the external penetration testing firm relationship — scoping, reviewing methodologies, validating findings, and ensuring remediation is tracked. Led by Sr VAPT Engineers. AI RED TEAM Own the bank's AI red-team programme, testing the bank’s adopted large language models, RAG pipelines, MCP-connected agents, and agentic workflows. Apply MITRE ATLAS (v5.4.0) techniques to simulate AI-targeted attacks: model API reconnaissance, training data poisoning, model evasion, prompt injection, indirect prompt injection via RAG documents, and confused-deputy attacks in agent-to-agent workflows. Test against OWASP Mobile, API, Web and LLM Top 10 (2025 edition) — covering prompt injection, sensitive information disclosure, excessive agency, system prompt leakage, vector and embedding weaknesses, and AI supply chain risks. Use AI red-team tooling to run systematic adversarial evaluations of the bank's AI systems. Sr VAPT Engineers own the programme; VAPT Engineers execute specific test scenarios. Produce AI security findings reports and coordinate remediation with the Lead, Security Engineering. REMEDIATION & REPORTING Run purple team exercises in collaboration with the Lead, Cyber Operations — testing detection coverage, validating SIEM rules, and improving SOC response playbooks. Produce clear, actionable pentest and AI red-team reports for technical and non-technical audiences — including executive summaries for the CISO and board. Track all findings to remediation within agreed SLAs; escalate unresolved critical findings through the CISO. Provide technical security consultancy to engineering teams on high-risk features, novel architectures, and AI system deployments. What We're Seeking EXPERIENCE 3–7 years in penetration testing, red teaming, or offensive security roles with demonstrated independent delivery. Proven experience scoping, leading, and reporting on mobile and web applications, API, network, and cloud penetration tests. Hands-on experience with mobile, API and web application penetration testing Deep familiarity with AI penetration testing and tooling — testing LLMs, RAG systems, or agentic AI architectures is a strong differentiator. Deep familiarity with MITRE ATLAS and OWASP Mobile, Web, API and LLM Top 10 attack frameworks. Experience managing external pentest vendors. Experience in regulated environments (banking, fintech, insurance, critical infrastructure) preferred. SKILLS Proficiency with offensive security tools — Burp Suite, Metasploit, Nmap, and custom scripting. Sr VAPT Engineers: proficiency with AI vulnerability testing tools (PyRIT, garak, Promptfoo) and ability to produce board-ready findings reports. VAPT Engineers: growing proficiency across offensive tools and methodologies. Ability to communicate findings clearly to technical and non-technical audiences. Understanding how to scope and execute adversarial exercises safely in a live banking environment. PREFERRED CERTIFICATIONS OSCP, OSCP+ OSEP, CREST CPSA or CRT (Sr VAPT Engineers); OSCP in progress (VAPT Engineers). GIAC GPEN, GWAPT, or GXPN. CompTIA PenTest+. What We Value Revolutionary in our thinking. Innovative in our products, services and the way we work. Genuine in our intentions. Honourable in our actions. Tenacious in overcoming challenge. JR00000606 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":886,"slug":887,"title":888,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":889},63648,"senior-qa-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior QA Engineer","About the Team: Are you eager to elevate your career to new heights? Join us for an exhilarating opportunity to pioneer our groundbreaking digital bank project, where boundless possibilities await! We're thrilled to extend an invitation for you to join our vibrant team of visionaries, innovators, and trailblazers. As a Quality Assurance & Test Analyst of our digital bank project, we're not just offering a job; we're presenting an opportunity to be part of something extraordinary. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Your next thrilling adventure awaits with our digital bank project. Join us in shaping the future, today! About the Role: Driving software quality and efficiency within our organization Designing test strategies, leading testing teams, and implementing best practices to enhance overall software quality. What You'll Do: Test Case Execution: Execute test cases based on project requirements and test plans. Follow pre-designed test cases or develop own cases to test various functionalities of the bank’s digital mobile platform and other solutions. Conduct both manual and automated testing to validate software functionality. Document test results and report defects to the development team. Assist in setting up and maintaining testing environments and testing automation tools by administering configuration and troubleshooting tasks. Defect Tracking and Reporting: Identify, document, and track software defects using issue tracking systems. Provide detailed defect reports to assist developers in understanding and resolving issues. Communicate bugs clearly and concisely, providing detailed information for easy understanding and resolution. Collaborate with the team to verify bug fixes and ensure the closure of reported issues. Regression and Performance Testing: Conduct regression testing to ensure that new software changes do not adversely affect existing functionality, and performance testing to ensure the solution platform is able to withstand high workloads Develop and maintain regression\u002Fperformance test suites for different software applications. Test Documentation: Create and maintain test documentation, including test cases, test scripts, and test data. Contribute to the development and enhancement of test plans and test strategies. Update test cases status, log testing efforts and maintain testing artefacts Collaboration: Work closely with engineers, product managers, testing providers, system integrators and other stakeholders to understand project requirements. Analyze and clarify testing requirements with project managers, product team and engineers Participate in team meetings to discuss testing progress, challenges, and potential improvements. Communicate effectively with cross-functional teams to address quality concerns. Automation Support: Assist in the development and maintenance of automated test scripts. Collaborate with automation engineers to identify test cases suitable for automation. Adherence to Quality Standards: Ensure adherence to established quality standards and processes. Contribute to the continuous improvement of testing processes and methodologies. What We're Seeking: Bachelor’s degree in Computer Science, Information Technology, Information System or a related field preferred; or with equivalent work experience together with professional certifications. Relevant certifications in software testing (e.g., ISTQB) are a plus. Minimum 3 years’ working experience in a software testing team, with some experience related to end-to-end testing for large scale and major technology projects. Experienced in test planning, test design, and test execution. Experienced in both manual and automated testing. Familiar with testing standards, tools, processes, and frameworks in Agile and\u002For Waterfall methodologies and with at least one programming languages (e.g., Java, JavaScript, Python, Ruby, Groovy) for test automation. A meticulous eye for detail and a commitment to high quality. Excellent analytics and problem-solving skills Knowledge of version control systems and continuous integration tools. Good communication skills to interact effectively with cross-functional teams and stakeholders. Ability to adapt to changing priorities and work in a dynamic, fast-paced environment. Good domain knowledge of digital banking front-end or core banking applications. Experience in managing testing on Digital platforms will be an added advantage. Good cross-department communication and coordination skills, with an inquisitive mindset to ensure project implementation according to requirements in complex business and environmental situations. What We Value: Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation. JR00000505 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":891,"slug":892,"title":893,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":894},63649,"site-reliability-engineer-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Site Reliability Engineer Intern","The role Most engineering internships are about building something new. This one is about keeping something running. Ryt Bank serves real customers with real money, which means our platform doesn't get to have a bad day quietly. Our SRE team is small, which means an intern here isn't fetching coffee for a twelve-person org — you'll be given a scoped piece of the platform, a mentor, and enough context to make decisions about it. You'll learn how a bank's infrastructure actually holds together: why a deployment goes through the gates it does, what an alert should and shouldn't wake someone up for, and how much of reliability engineering is really about removing work rather than adding it. What you'll actually do Take ownership of one meaningful project end to end — scoped so you can ship it, not so you can survive it Build and refine dashboards and alerts, and learn the difference between a signal and a distraction Write Terraform that goes into our real estate, reviewed like anyone else's Automate something tedious that a human is currently doing by hand Sit in on incident reviews and see how failures get diagnosed and prevented, not just fixed Leave behind documentation good enough that the next person doesn't need to ask you What we're looking for You're partway through a Computer Science, Computer Engineering, Software Engineering or related degree. Beyond that, we care more about instincts than credentials: You're comfortable in a terminal and can write a script that does something useful You've bumped into Linux, containers, networking, or a cloud console somewhere — coursework, side projects, or curiosity all count When something breaks, your first move is to find out why, not to restart it and hope You ask questions when you're stuck, and you finish what you pick up We don't expect production experience. We expect you to want it. What you'll get out of it Infrastructure work at a licensed bank is a genuinely different discipline from infrastructure work anywhere else — every change is auditable, every control has a regulator behind it, and \"it works on my machine\" was never an option. It's a rare thing to see early in a career, and it makes everything afterwards easier. You'll also get a mentor who's accountable for your growth, not just your tickets. What you'll work with Public cloud at production scale Container orchestration Infrastructure-as-code GitOps-based delivery Metrics, logging and alerting Automation in a general-purpose scripting language We'll go into specifics at interview. How we work Small team, high trust, low ceremony. We'd rather explain a decision than defend it, and we'd rather fix the cause than the symptom. If that sounds like your kind of environment, we'd like to meet you. JR00000618 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":896,"slug":897,"title":898,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":899},63650,"senior-talent-partner-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Talent Partner","About Ryt Bank: At Ryt Bank, we're not just building a bank; we're crafting the future of fintech. We're a dynamic team of innovators, driven to empower our customers with cutting-edge financial solutions. We thrive on collaboration, embrace change, and are committed to fostering a culture where you can make a real impact. Join us as we redefine the banking experience. Job Summary: We're searching for a passionate and strategic Senior Talent Partner to join our growing team. You'll be the driving force behind building our elite teams, sourcing exceptional talent who will help us shape the future of banking. If you're a recruitment ninja with a knack for connecting with top talent, we want to hear from you. Responsibilities: End-to-End Talent Acquisition: Own the full recruitment lifecycle for technical and business roles, from initial sourcing to successful onboarding. Proactive Talent Sourcing: Develop and implement creative sourcing strategies to identify and engage top-tier tech talent across diverse platforms (LinkedIn, GitHub, specialized tech and business communities, etc.). Technical Proficiency: Conduct in-depth technical screenings, collaborating closely with hiring managers to evaluate candidates' skills and potential. Elevated Candidate Experience: Create a seamless and engaging candidate journey, ensuring clear communication and timely feedback. Strategic Stakeholder Partnerships: Build strong relationships with hiring managers, providing expert guidance and insights on talent acquisition best practices. Data-Driven Insights: Utilize recruitment metrics and analytics to track progress, optimize strategies, and drive continuous improvement. Market Intelligence: Stay ahead of industry trends, competitor activity, and emerging technologies to inform our talent strategy. Brand Advocacy: Contribute to our employer branding initiatives, showcasing Ryt Bank as a destination for top tech talent. ATS Excellence: Maintain accurate and efficient records within our Applicant Tracking System (ATS). Process Innovation: Identify and implement process improvements to enhance the efficiency and effectiveness of our talent acquisition efforts. Championing Diversity: Foster an inclusive recruitment process that attracts and retains a diverse pool of talent. Qualifications: Bachelor's degree in Human Resources, Business, or a related field. 3 - 5+ years of proven experience in full-cycle tech recruitment. Demonstrated ability to source and place top-tier tech talent (software engineers, data scientists, product managers, etc.) and business talents (finance, risk, compliance, etc). Deep understanding of technical skills, technologies (programming languages, frameworks, cloud platforms) and business (banking\u002F finance industry) Expertise in leveraging LinkedIn Recruiter, GitHub, and other relevant sourcing tools. Exceptional communication, interpersonal, and negotiation skills. Ability to build strong relationships with stakeholders and candidates. Strong organizational and time management skills. Proficiency in ATS systems. A proactive and results-oriented mindset. Familiarity with employment law and best practices. Experience in a fast-paced, innovative environment (start-up\u002Ffintech) is highly valued. Preferred Qualifications: Advanced Boolean search and sourcing techniques. Experience in employer branding and social media recruitment. Specialized experience in recruiting for cloud-native technologies or AI\u002FML roles. Ready to Shape the Future of Digital Bank? Join Us Today! JR00000482 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":901,"slug":902,"title":903,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":904},63651,"site-reliability-engineer-sre-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Site Reliability Engineer (SRE)​","About the team We're building the next generation of digital banking infrastructure that combines enterprise-grade reliability with startup agility. Our SRE team is the backbone of our technology organization, ensuring our platform delivers an \"always-on\" banking experience while enabling rapid innovation and growth. You’ll collaborate with some of the sharpest minds in the industry, operating in a supportive and dynamic environment that fosters creativity, exploration, and innovation. Your next thrilling adventure starts here. Be part of shaping the future of digital banking today! About the Role As a SRE, you’ll drive the development and execution of strategies for DevSecOps practices and platform. Your work will ensure seamless collaboration between technology teams, enabling fast and reliable high-quality software delivery. You’ll be working closely with our SRE team responsible for implementing and managing Infrastructure as Code (IaC), CI\u002FCD pipelines, cloud native & micro-services, automation frameworks, and release management processes, ensuring they align with organizational objectives. What You'll Do Lead the design and implementation of highly available, secure, and scalable banking infrastructure using infrastructure as code (IaC) principles Establish and maintain SLOs\u002FSLIs that define our reliability standards and drive accountability across engineering teams Serve as an incident commander during critical service disruptions, leading cross-functional response teams with calm expertise Build and enhance our observability platform, enabling real-time monitoring of our golden signals (uptime, latency, saturation, error rate) Develop automation solutions for incident response, disaster recovery, and business continuity Drive our DevSecOps platform to enable safe, rapid deployments through CI\u002FCD, GitOps, and self-service capabilities Lead FinOps initiatives to optimize infrastructure costs while maintaining performance and reliability Mentor junior engineers and contribute to a culture of operational excellence What We're Seeking Strong understanding of cloud technologies (AWS, Azure, GCP, Alibaba Cloud) Experience implementing CI\u002FCD pipelines and GitOps workflows Deep expertise with infrastructure as code tools (Hasicorp Terraform, OpenTofu, CloudFormation, or similar) Proven ability to design and implement observability solutions using modern monitoring stacks Experience leading incident response and building post-mortem processes Strong understanding of Java or any other object-oriented programming language (OOP). Strong understanding of containerization & orchestration. Experience with messaging systems such as Kafka is an added advantage. Familiarity with relational and non-relational databases is a plus. Ability to balance hands-on technical expertise with strategic decision-making. Strong problem-solving skills and the ability to make sound decisions under pressure. A passion for continuous learning, innovation, and professional development. High ownership of responsibilities, with a focus on delivering results and meeting deadlines. Financial services experience is a plus but not required What We Value Revolutionary in our thinking Innovative in our products, services and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000510 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":906,"slug":907,"title":908,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":909},63652,"strategy-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Strategy Intern","About the Role We are looking for a highly motivated and analytical Strategy Intern to join our team. In this role, you will work closely with cross-functional teams to support strategic initiatives, conduct market and competitive research, and help drive data-informed decision-making. This is a unique opportunity to gain hands-on experience in corporate strategy, business analysis, and innovation in a fast-paced environment. Key Responsibilities Support the development and execution of strategic projects across the organization Conduct market research, competitive analysis, and benchmarking Analyze internal data to identify trends, opportunities, and areas for improvement Assist in preparing presentations and reports for senior leadership Collaborate with teams across product, operations, finance, and marketing Help evaluate new business opportunities and strategic partnerships Qualifications Currently pursuing a degree in Business, Economics, Engineering, or a related field Strong analytical and problem-solving skills Proficient in Excel, PowerPoint, and data visualization tools (e.g., Tableau, Looker) Excellent communication and presentation skills Self-starter with the ability to work independently and in teams Passion for technology, innovation, and strategic thinking What You’ll Gain Exposure to high-impact strategic projects Mentorship from experienced professionals Opportunity to present insights to leadership Real-world experience in a dynamic and collaborative environment JR00000485 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":911,"slug":912,"title":913,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":914},63653,"senior-system-administrator-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior System Administrator","About the Role: Ryt Bank is seeking an experienced and forward-thinking Senior System Administrator to lead, manage, and evolve our IT infrastructure and end-user computing environment. This senior role is responsible for ensuring the stability, security, and performance of our systems while driving operational excellence and continuous improvement across the organization. Key Responsibilities: Infrastructure, Endpoint & Application Management: Lead administration and optimization of macOS and Windows endpoints across the enterprise. Oversee deployment automation, patch management, and systems hardening. Manage and improve Microsoft 365 services (Outlook, Teams, SharePoint, OneDrive). Oversee governance and administration of the Atlassian suite (Jira, Confluence, JSM). Evaluate and introduce tools and technologies to enhance scalability and reliability. Identity & Access Management (IAM): Own IAM strategy, policies, and standards. Lead administration of Microsoft Entra ID including SSO, SCIM provisioning, MFA, and Conditional Access. Implement RBAC and conduct periodic access reviews. Strengthen identity security posture based on zero-trust principles. IT Security & Compliance: Manage endpoint security platforms including Windows Defender. Oversee email and collaboration security including phishing protection. Ensure network security including firewall policies, segmentation, and VPN access. Conduct regular security audits and support compliance efforts. Partner with security teams on incident investigations. End-User Support & Office Technology Leadership: Provide Tier 3 escalation for complex issues. Oversee meeting room systems, AV solutions, and conferencing technology. Lead design and troubleshooting of office network infrastructure. Mentor junior IT staff and establish best-practice support processes. Procurement, Asset & Vendor Management: Lead IT procurement strategy and manage SaaS\u002Fhardware renewals. Maintain accurate IT asset inventories. Manage vendor relationships and negotiate agreements. IT Operations & Project Delivery: Own and enhance onboarding\u002Foffboarding workflows. Create and maintain IT documentation, SOPs, and knowledge bases. Lead IT projects, upgrades, and technology rollouts. Identify automation opportunities to improve operational efficiency. Qualifications & Skills: 5–8+ years of experience as a System Administrator or similar senior role. Strong expertise in macOS, Windows, and enterprise endpoint management. Proficiency in Microsoft 365 and Atlassian tools. Deep understanding of IAM concepts and security frameworks. Strong networking knowledge (TCP\u002FIP, DNS, DHCP, VLANs, VPNs). Excellent troubleshooting, analytical, and communication skills. Ability to lead initiatives and mentor team members. Preferred Certifications: ITIL Foundation Jamf 100\u002F200\u002F300\u002F400 or similar macOS MDM certifications Microsoft MS-102, SC-200, SC-300, MD-102 CompTIA Security+ Atlassian Administration ACP-120, ACP-420 CCNA or equivalent JR00000460 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":916,"slug":917,"title":918,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":919},63654,"risk-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","Risk Intern","About the Role Join the Risk team at Ryt Bank, a licensed Malaysian digital bank in active commercial operations. You will work alongside experienced risk professionals on real deliverables, gaining exposure to how risk is managed, measured, and communicated inside a fast-moving financial institution. We offer two tracks — choose the one that suits how you think. Pick Your Track Track 1 — Quantitative Risk For the data-first thinker. Risk shows up in many forms — a borrower who is about to default, a transaction that looks suspicious, a deposit pattern that signals a funding vulnerability. Your job is to use data to make these risks visible earlier, across credit, fraud, financial crime, and liquidity. What You Will Do Analyse data across multiple risk domains — loan repayment behaviour, transaction patterns, and deposit flows — to surface signals that matter before they escalate. Support the development and testing of analytical models used across credit decisions, fraud detection, and financial crime monitoring. Explore how customer behaviour — how people borrow, transact, and save — translates into different categories of risk for the Bank. Build dashboards and run scenario analyses that help the team monitor and stress-test the Bank's risk exposure across credit, liquidity, and capital. What You Will Gain Hands-on experience with real financial data using Python, R, or SQL. A practical understanding of how data and models drive risk decisions across credit, fraud, financial crime, and liquidity. A strong foundation for a career in quantitative risk, financial analytics, or data science in banking. Who We Are Looking For Undergraduate in Statistics, Mathematics, Actuarial Science, Computer Science, Data Science, Finance, or Engineering. Working knowledge of Python or R; SQL is a bonus. Analytical, detail-oriented, and comfortable working with messy, real-world data. Track 2 — Qualitative Risk For the investigative thinker who asks why, not just what. Thinking ahead while also learning from past events. When something goes wrong in a bank, someone has to figure out how it happened, what was missed, and how to stop it happening again. You will develop a sharp eye for where processes, controls, and assumptions are weaker than they look. What You Will Do Review processes to spot gaps, inconsistencies, or assumptions that might not survive under pressure. Think through how new products or operational changes could introduce risk before they are launched. Investigate incidents — understand the sequence of events, why controls did not hold, and what needs to change. Research emerging risk topics and distil findings into clear, concise briefing notes for the team. What You Will Gain A practical ability to diagnose why things go wrong — a skill that is transferable across risk, audit, strategy, and operations. Experience thinking critically about processes, controls, and assumptions in a live institution. Strong foundations in structured writing, root cause analysis, and clear communication under uncertainty. Who We Are Looking For Undergraduate in Finance, Economics, Accounting, Business, Law, or a related discipline. Strong written English and sharp attention to detail — you notice when something does not add up. A natural investigator; you are not satisfied with knowing that something went wrong, you want to know why. What Both Tracks Share Real work on live deliverables — not a training simulation. A collaborative, flat team where interns are expected to contribute, not just observe. Broad exposure to how a modern digital bank manages risk across multiple disciplines. Potential to convert to a full-time role for exceptional performers. Why Ryt Bank? Ryt Bank is a licensed Malaysian digital bank with a mandate to serve communities that have historically been underserved by the financial system. Our Risk function is lean, experienced, and scaling alongside the business — making this an internship with genuine scope and a meaningful mission. JR00000580 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":921,"slug":922,"title":923,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":924},63655,"service-excellence-amp-insights-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Service Excellence & Insights Specialist","JR00000527 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":456,"slug":457,"title":458,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":926},"About the team The Technology Operations team is responsible for providing end-to-end operational support for the organization’s critical enterprise applications which include core banking systems, ERP, treasury management system, Swift, and other SaaS solutions. The team ensures optimal system availability, performance, and compliance by delivering Level 1 and Level 2 support, and champions the end-to-end incident management and change management processes. The team also leads the adoption of AI and automation to streamline operational and IT support workflows, strengthen governance, and improve the quality and timeliness of operational reporting. About the Role As a Technology Operations Engineer, you will lead the operational and application support role for the assigned systems and work closely with business service owners and other Technology teams. This includes BAU activities as well as ad-hoc engagements as and when required by business owners. Other responsibilities also include championing the incident management and change management processes as defined in the department’s policies and procedures, and driving the design and implementation of AI-enabled automation that reduces manual effort across Operations and Technology teams — spanning IT support, service governance, and operational reporting. You are expected to follow both internal and external compliance and regulatory requirements while delivering the above. What You'll Do: Operational & Application Support Provide daily operational support for business-critical applications such as core banking, ERP, Treasury systems, and SaaS platforms. Deliver Level 1 and Level 2 application support, including troubleshooting, incident triage, and root cause analysis. Collaborate with vendors and internal stakeholders for resolution and enhancement of application issues. Incident, Problem & Escalation Management Monitor system performance and proactively respond to incidents or service disruptions. Manage the incident lifecycle, ensuring timely escalation and resolution in line with SLAs. Maintain accurate incident and resolution records in the ITSM tool. Act as incident commander for major incidents — coordinate responders, run bridge calls, and manage internal and business stakeholder communications until service is restored. Own and maintain on-call rosters, paging rules, and alert routing in tools such as PagerDuty or OpsGenie, tuning thresholds to reduce alert noise and false positives. Drive post-incident reviews, publish blameless RCA reports, and track corrective and preventive actions to closure with the responsible teams. Perform problem management on recurring incidents, identifying systemic fixes and automation opportunities that permanently remove the failure mode. Data Management & Technical Configurations Perform data patching activities either through the front-end application or via backend scripting (e.g., SQL scripts). Maintain data integrity and ensure all changes are tested and validated according to internal controls. AI Automation Design & Implementation Identify high-friction, repetitive workflows across Operations and Technology — ticket triage, access requests, reconciliation checks, evidence gathering — and assess them for AI or rules-based automation. Design, build, and deploy AI-assisted automations and agents (e.g., LLM-based ticket classification and summarization, chatbot-driven L1 support, runbook automation, script generation) integrated with the ITSM and monitoring toolchain. Partner with Technology and business teams to translate manual operating procedures into automated workflows, defining success metrics, human-in-the-loop checkpoints, and rollback paths. Ensure all AI use cases meet internal AI governance, data privacy, and model risk requirements — including data classification, prompt and output logging, access controls, and documented human oversight. Monitor deployed automations for accuracy, drift, and exceptions; iterate on prompts, rules, and integrations to sustain reliability. Document automation designs, controls, and operating procedures, and train support teams on adoption and safe use. What We're Seeking Hands-on experience setting up and operating paging tools such as PagerDuty, OpsGenie, or equivalent. Strong understanding of IT Service Management (e.g., ITIL frameworks). Solid knowledge of application architecture, system interdependencies, and integration patterns. Hands-on experience automating operational workflows with scripting (e.g., Python, SQL, Bash) and integrating systems via APIs or workflow\u002FiPaaS tooling. Practical experience applying AI\u002FLLM capabilities to real operational use cases — prompt design, API integration, output evaluation — with an appreciation of AI governance, data privacy, and model risk considerations. Experience leading major incidents as incident commander and facilitating blameless post-incident reviews. Ability to build operational dashboards and reporting (e.g., Grafana, Power BI, Looker, or native ITSM reporting). Analytical thinking with strong problem-solving capabilities and a structured troubleshooting approach. Strong documentation and communication skills. Ability to work under pressure in a fast-paced operational environment. A passion for continuous learning, innovation, and professional development. High ownership of responsibilities, with a focus on delivering results and meeting deadlines. Financial services experience is a plus but not required. Familiarity with Bank Negara Malaysia's guidelines, including Risk Management in Technology (RMiT). JR00000626 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":928,"slug":929,"title":930,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":931},63657,"senior-backend-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Backend Engineer","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic Senior Backend Engineer to join our dynamic Product Engineering team. As a Senior Software Engineer focusing on backend development, you will work at the core of our engineering efforts, creating scalable and reliable microservices to power our innovative digital products. You will collaborate closely with cross-functional teams to design, build, and refine backend systems, ensuring they are efficient, secure, and capable of handling high-demand scenarios. Our engineering team thrives on collaboration, innovation, and a shared commitment to excellence. We build robust, scalable backend systems that enable seamless functionality for our products and services. You will also have the opportunity to influence architectural decisions, mentor junior engineers, and contribute to a culture of continuous learning and technical excellence. If you're a passionate software engineer eager to make a difference, join us as we shape the future of technology together. Key Responsibilities: Design and develop distributed systems and microservices, primarily using REST APIs and messaging systems. Architect and implement event-driven systems to enable seamless communication between services. Collaborate with cross-functional teams to achieve key milestones and deliver exceptional products. Lead technical projects, making architectural and design decisions that align with business goals. Provide mentorship and technical guidance to other engineers, fostering a culture of collaboration and growth. Ensure high performance, scalability, and reliability of backend services in production. Qualifications: Citizenship Requirement: Malaysians only (Got a MyKad? You’re our type!). Strong proficiency in Java or other object-oriented programming (OOP) languages. Solid understanding of messaging systems such as Kafka or equivalent. Experience with both relational (e.g., PostgreSQL) and non-relational databases. Familiarity with designing and consuming web APIs of reasonable complexity. Hands-on experience with containerized applications using Docker and Kubernetes. Curiosity and drive for continuous learning and improvement. At least 5+ years of experience in backend software development. Benefits: Help build the foundation of a scalable and robust backend system for our products, shaping the future of digital solutions in Malaysia. Contribute to the development of innovative and reliable systems that delight our users. Collaborate with a team of like-minded individuals to deliver exceptional products that create meaningful value for our customers. What We Value Collaboration: We believe in working together to achieve our goals. Innovation: We embrace new ideas and encourage creativity. Excellence: We strive for technical and operational excellence in everything we do. Customer Focus: We are dedicated to delivering exceptional value and experiences for our users. Technology Stack We Use Languages & Frameworks: Java, Spring Boot Databases: PostgreSQL Messaging: Kafka Containers & Orchestration: Docker, Kubernetes If you're ready to take the next step in your career and contribute to something extraordinary, we'd love to hear from you. Join us as we build the future together. JR00000295 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":933,"slug":934,"title":935,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":936},63658,"specialist-monitoring-amp-detection-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Specialist, Monitoring & Detection","JR00000635 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":938,"slug":939,"title":940,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":941},63660,"senior-business-intelligence-analyst-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Business Intelligence Analyst","About Us: Ryt Bank is seeking a highly motivated and enthusiastic Senior Business Intelligence Analyst to join our dynamic Data team. This role is designed for aspiring data professionals to apply value-based judgement, technical depth and business intuition in a fast-paced and innovation first environment. You will work closely with experienced professionals, contribute to how data is structured, interpreted, and used to inform next steps at varying degrees of complexity. Our goal is for data to be a strategic asset to the bank and help make informed decisions with high conviction. We thrive on collaboration, innovation, and a shared commitment to excellence. You will develop and optimize scalable analytics and data reporting implementation, mentor junior engineers, and contribute to a culture of continuous learning and technical excellence. Key Responsibilities: Analytics & Decision Support Design & Scale: Develop and optimize scalable analytics solutions that support critical business, risk, and product decisions. Complex Problem Solving: Translate ambiguous business problems into structured analytical problem domains and deliver clear, actionable insights. Strategic Analytics: Perform rigorous analysis across multiple domains (customer behaviour, unit economics, risk signals) to drive decision-making. Strategy & Standards Analytics Strategy: Drive the standards for data models, metric definitions, and analytical best practices across the organization. Define KPIs: Partner with senior stakeholders to establish success metrics and analytical frameworks at both departmental and bank-wide levels. Drive Action: Proactively identify systemic issues and growth opportunities, translating data-backed recommendations into measurable business outcomes. Delivery & Governance Ownership: Develop and maintain robust data models and data assets that enable consistent, trusted decision-making. Quality & Reproducibility: Ensure analytics outputs are well-governed, documented, and production-ready, moving beyond dashboard reporting. Lead Change: Actively contribute to the evolution of Ryt Bank’s data operating model, tooling, and culture. Leadership & Collaboration Cross-Functional: Collaborate with strategic partner from engineers, data scientists, to product managers and business stakeholders Mentorship: Elevate the technical and analytical standards of the team by mentoring junior analysts and leading by example. Qualifications: Domain Expertise: Deep familiarity with banking, financial products, or highly regulated financial environments. Advanced Technical: 3 – 5 years exposure to SQL and advanced analytical modelling. Scripting & Automation: Proven experience using Python (or equivalent scripting languages) for data analysis and automation. Modern Data Stack: Hands-on experience with dbt (modeling), Airflow (orchestration), and cloud data warehouses. Data Visualization: 3 – 5 years expertise in building sophisticated tools and reports using Tableau, Power BI, or similar platforms. Evidence-Based Influence: Beyond \"storytelling,\" you must have the ability to translate complex analysis into persuasive, strategic actions for executive stakeholders. Team Management: Experience in managing teams, junior analysts, interns are a plus Benefits: Meaningful Influence: Agency over how data and analytics are designed and governed in a fast-scaling bank. Complex Problem Space: The opportunity to apply your experience to high-value challenges across product, risk, and customer behaviour. High-Growth Environment: A culture that values technical rigor, intellectual curiosity, and methodical experimentation. Strategic Impact: The chance to shape the future of digital banking in Malaysia by building data as a core strategic asset. What we Value: Growth Mindset: Open minded and constructive while being respectful and empathetic, help each other to improve. Ownership: Responsible with great sense of ownership Commitment: Committed and work as a team to reach the goal. Customer Focus: Always thinking from the customer perspective. Results Oriented: Focused on tangible, measurable results Leadership: Courage to lead change and bring out the best in the team JR00000332 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":943,"slug":944,"title":945,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":946},49854,"lead-technology-audit-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Lead, Technology Audit","About Ryt Bank At Ryt Bank, we believe in building trust through transparency, integrity, and accountability. As a forward-thinking financial institution, we are committed to safeguarding our operations and ensuring robust governance through high-quality, risk-based audits. Role Overview As the Lead, Technology Audit, you will play a pivotal role in overseeing and guiding the technology audit team. Reporting directly to the Head of Internal Audit, you will be responsible for leading audit engagements, mentoring team members, and ensuring the effective management of technology and information security-related risks within our organization. Key Responsibilities Lead end-to-end technology audit, in collaboration with Technology and Cybersecurity teams. Collaborate with the Head of Internal Audit to develop and implement risk-based annual internal audit plans and define audit scopes. Oversee the execution of audit plans, ensuring appropriate technical knowledge and experience are applied throughout the audit process. Ensure timely completion of technology audits in accordance with established standards and regulatory requirements (e.g. BNM RMiT). Stay up to date on emerging risks and innovation in the technology space, and communicate findings to management, audit committees, and external stakeholders. Build trust and credibility with stakeholders through objective engagements and constructive challenges to enhance internal controls. Participate in ad-hoc projects and working groups, providing advisory support as required. Qualifications & Experience Bachelor's degree in Computer Science, Information Systems, or equivalent field. Professional certification (e.g., CIA, CISA, CISSP, GIAC, GSEC) preferred. Minimum of 6 years of relevant professional audit experience in financial institutions or Big-4 external audit firms, with a focus on technology audit. Proven leadership experience, with the ability to manage and mentor a team effectively. Strong knowledge of regulatory requirements (e.g., BNM RMiT) and internal control concepts. Prior experience in performing technology audit for cloud native systems and in-house modern web and mobile applications. Demonstrated ability to work independently and as part of a team in a fast-paced environment, with strong analytical and report-writing skills. Experience with data analytics and visualization tools such as ACL, IDEA, PowerBI, Tableau preferred. Has recently trained in emerging technology (AI, cloud, cyber security) and associated risks. Skills & Attributes High integrity and strong analytical skills. Excellent interpersonal and communication skills. Ability to influence and collaborate across teams. Proactive mindset with a commitment to continuous improvement. JR00000530 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":948,"slug":949,"title":950,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":951},49856,"payments-amp-reconciliation-operations-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Payments & Reconciliation Operations Specialist","About the Role We are seeking a detail-oriented and dependable Payment Operations Specialist to join our digital banking operations team. This role is responsible for ensuring the accurate and timely processing of outgoing and incoming payment transactions in accordance with internal policies, regulatory requirements, and established cut-off times. The successful candidate will play a key role in maintaining payment integrity across multiple payment channels, including RPP, RENTAS, and SWIFT, while working closely with internal teams and external correspondent banks to support smooth daily payment operations in a fast-paced digital banking environment. Responsibilities: 1. Payment Processing Monitor and process daily outgoing and incoming payments, including manual, single, batch, and urgent transactions via RPP, RENTAS, and SWIFT. Ensure all payment transactions comply with internal policies, external regulatory requirements, product guidelines, and applicable cut-off times. Perform checks to ensure accuracy, completeness, and timeliness of payment instructions prior to execution. 2. Reconciliation & Reporting Prepare and provide daily payment reports required for reconciliation and operational tracking. Perform daily payment-related reconciliations to ensure accuracy and identify discrepancies. Investigate and resolve reconciliation breaks in a timely manner. 3. Stakeholder & External Liaison Liaise daily with Cards and Lending teams on payment-related matters. Coordinate with correspondent banks to resolve payment issues, rejections, or inquiries. Ensure timely communication and follow-ups with internal and external stakeholders. 4. Policy & Procedure Adherence Ensure strict adherence to the Bank’s payment operations policies, procedures, and control requirements. Assist in documenting, reviewing, and maintaining the Payment Operations team’s Operational Procedures. 5. Process Improvement & Support Proactively suggest enhancements to operational systems, processes, and workflows to improve efficiency and reduce operational risk. Support operational initiatives and improvement projects as required. Perform ad-hoc tasks and assignments as directed by the Manager. Requirement: Experience in a similar operations role within a financial services institution. Good understanding of payment operations and transaction processing. Strong communication and organizational skills. Ability to manage time effectively, prioritize tasks, and meet daily cut-off timelines. Proficient in Microsoft Office applications, particularly MS Excel. Basic accounting knowledge and experience. General understanding of Treasury Operations. Hands-on experience with payment systems such as RPP, RENTAS, and SWIFT. Benefits: Be part of a fast-growing digital bank that values innovation and people-first culture. Gain exposure to diverse hiring projects and talent strategies. Opportunity to collaborate with dynamic leaders and cross-functional teams. Enjoy a competitive compensation package and career development opportunities. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000556 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":953,"slug":954,"title":406,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":955},49859,"regulatory-compliance-officer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","About Ryt Bank: At Ryt Bank, we're not just building a bank; we're crafting the future of fintech. We're a dynamic team of innovators, driven to empower our customers with cutting-edge financial solutions. We thrive on collaboration, embrace change, and are committed to fostering a culture where you can make a real impact. Join us as we redefine the banking experience. Job Summary The Regulatory Compliance Officer plays a key role in safeguarding Ryt Bank’s regulatory integrity by providing independent oversight, trusted advisory, and forward‑looking regulatory insights. This role partners closely with Management, the Board, business teams, and regulators to ensure the Bank operates in line with regulatory expectations while enabling responsible innovation and sustainable growth. Your Role at Ryt Bank: Regulatory Oversight & Advisory Provide meaningful, independent, and objective oversight over Management and the Board of Directors, while delivering reasonable assurance on regulatory compliance. Serve as a trusted advisor on the applicability and interpretation of regulatory requirements, recommending appropriate approaches and actions to meet regulatory expectations. Work closely with business units and control functions, including Risk and Legal, to guide regulatory matters and support new product and initiative development. Establish, maintain, and periodically review Compliance policies and procedures to ensure alignment with applicable regulatory requirements, including reviewing and validating policies and procedures owned by other business units. Regulatory Change Management & Compliance Risk Monitor regulatory developments to identify new, evolving, or emerging compliance risks. Maintain comprehensive and up‑to‑date regulatory trackers, covering policy documents, guidelines, supervisory communications, and regulatory correspondences. Proactively manage and mitigate compliance risks through gap assessments, and the execution of periodic compliance reviews, validations, and testing. Compliance Reporting Prepare and present periodic compliance reports to Management Committees and the Board of Directors. Highlight key compliance matters, regulatory expectations, and significant developments, including status updates and progress tracking. Deliver insightful trend analysis to support informed decision‑making by stakeholders. Provide forward‑looking regulatory anticipation, including early assessments of new, upcoming, or revised regulations that may impact the Bank’s operations. Compliance Culture & Conduct Foster a strong compliance culture and conduct mindset across the organisation. Design and deliver targeted compliance training and awareness programmes, through classroom sessions, online modules, or curated learning engagements, tailored to relevant stakeholder groups. Regulatory Engagement Maintain open, transparent, and constructive relationships with Bank Negara Malaysia (BNM) and other relevant regulatory authorities. Coordinate and manage regulatory engagements to ensure that all regulatory requests are addressed accurately, comprehensively, and within required timelines, with appropriate consultation across teams. What we are looking for: Bachelor’s Degree with 5 to 12 years of relevant experience in banking or financial services. Relevant compliance‑related professional certifications or accreditations are an added advantage. Strong capability in interpreting, applying, and operationalising regulatory requirements applicable to banking, with experience engaging regulatory authorities and\u002For prior exposure within a regulatory body. Ability to quickly grasp complex regulatory issues, formulate well‑considered solutions, and manage multiple regulatory workstreams concurrently. Excellent written and verbal communication skills, with the ability to engage and influence stakeholders across all levels of the organisation. Benefits: Be part of a fast-growing digital bank that values innovation and people-first culture. Gain exposure to diverse hiring projects and talent strategies. Opportunity to collaborate with dynamic leaders and cross-functional teams. Enjoy a competitive compensation package and career development opportunities. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000537 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":957,"slug":958,"title":959,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":960},49860,"senior-data-scientist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Data Scientist","About the Team: We are Ryt Bank, proudly awarded as one of the five digital banking license winners by BNM in Malaysia. Our mission is to empower the underserved and unserved segments of the population by providing innovative and accessible banking solutions. As part of our team, you will play a critical role in shaping the future of digital banking, using cutting-edge technologies to deliver exceptional user experiences for Malaysians. Our team consists of experienced digital banking and fintech innovators who are passionate about driving impactful, AI-powered innovation in the financial industry. Together, we are building a bank by Malaysians, for Malaysians. About the Role: We are looking for a Senior Data Scientist to strengthen the bank’s capability to detect and prevent fraud across the customer lifecycle. You will work with large scale datasets, real time fraud signals, and evolving attack patterns to design detection strategies that are transparent, measurable, and effective. This role is critical in ensuring that fraud decisions are backed by data, tested through simulations, and continuously improved to balance risk control with a smooth customer experience. Your work will directly help the bank avoid monetary losses, safeguard customers, and meet regulatory expectations. Key Responsibilities Build and maintain machine learning models and rule based systems to detect fraud in loans, payments, cards, and other customer activities. Develop and run systematic backtesting and simulation to validate the effectiveness of fraud rules and models, and to minimise false positives. Combine multiple fraud signals into actionable detection strategies that are explainable and measurable. Analyse behaviour, transaction patterns, and documentation to uncover new fraud typologies, including synthetic identities, deepfakes, and manipulated documents. Identify and mitigate emerging fraud threats such as deepfake videos and manipulated identity documents. Collaborate closely with product, engineering, and fraud operations teams to deploy real-time fraud detection strategies. Monitor and fine-tune model thresholds, feature sets, and decision logic based on performance metrics and evolving attack vectors. Design experiments and simulations to measure the impact of fraud mitigation strategies on approval rates, fraud loss, and user experience. Build and maintain dashboards, reporting pipelines, and automated alerts to track fraud KPIs across products. Stay ahead of the curve on emerging fraud techniques specific to digital lending, payments, and synthetic identity creation. What We’re Looking For 2–5+ years of experience in fraud analytics, data science, or risk modeling, ideally with exposure to digital banking, lending, or payments. Strong skills in Python, SQL, and machine learning libraries (e.g. XGBoost, PySpark). Experience with back testing and scenario simulation to evaluate fraud detection strategies. Strong analytical thinking, with attention to detail and the ability to distill complex signals into actionable insights. Understanding of loan fraud risk and fraud attack vectors in digital lending is a strong advantage. Nice to Have Experience in building fraud detection for unsecured personal loans, BNPL, or micro-lending. Familiarity with graph analytics, anomaly detection, or identity verification solutions. Awareness of compliance requirements and regulatory expectations for fraud, lending and payments (e.g., BNM, AMLA). Why Join Us: Be part of an award-winning digital bank project that is reshaping Malaysia’s financial landscape. Collaborate with a team of passionate, driven, and talented innovators. Drive impactful solutions that empower underserved and unserved communities. Grow your technical skills in a dynamic and fast-paced environment that values learning and innovation. JR00000427 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":962,"slug":963,"title":489,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":964},49861,"frontend-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","About the Team: Are you eager to elevate your career to new heights? Join us for an exhilarating opportunity to pioneer our groundbreaking digital bank project, where boundless possibilities await! We're thrilled to extend an invitation for you to join our vibrant team of visionaries, innovators, and trailblazers. As a Frontend Engineer of our digital bank project, we're not just offering a job; we're presenting an opportunity to be part of something extraordinary. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Your next thrilling adventure awaits with our digital bank project. Join us in shaping the future, today! About the Role: Develop a diverse range of engineering services, from specific product features to platform enhancements, catering to both organic users and those from existing ecosystems. Work independently, demonstrating resourcefulness while also embodying strong teamwork skills. What You'll Do: Building scalable mobile app mainly based on cross platform technology Understand the rationale behind technical decisions Work closely with team members to achieve incremental milestones React Native, Flutter focus Writing clean and testable code Follow and advocate to best coding practices What We're Seeking: Good understanding on JavaScript, typescript, React native concepts or any other functional programming paradigm Good understanding on reactive programming and API integrations Good understanding on state management concept will be a plus Curiosity for continuous learning and improvement Good ownership with the responsibilities assigned and deliverables What We Value: Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation. JR00000177 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":966,"slug":967,"title":968,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":969},49862,"product-designer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Product Designer","Role Purpose: As a Product Designer at Ryt Bank, you will play a pivotal role in shaping the user experience and visual identity of our products. You will collaborate closely with cross-functional teams to create innovative and user-centered design solutions that address both user needs and business objectives. In This Role, You Will: Own the design projects, from concept to final implementation, consistently delivering high-quality user interfaces and experience designs. Collaborate with product managers, engineers, and other stakeholders to contribute to high-level strategic decisions, translating ideas into intuitive and visually compelling designs. Utilize your design thinking and problem-solving skills to create solutions that effectively balance user needs, technical feasibility, and business goals. Lead and participate in design workshops, brainstorming sessions, and user research activities to gather insights and validate design concepts. Produce user-centered design deliverables such as wireframes, prototypes, and detailed design specifications that guide development and ensure design consistency. Stay up-to-date with industry trends and emerging design technologies, actively sharing insights and incorporating new ideas into your design process. You're a Great Fit If You Have: 3+ years of experience in product design, with a strong portfolio showcasing your expertise in creating user-centered design solutions. Strong proficiency in Figma as your primary design tools. Good understanding of user experience principles, interaction design, and information architecture. Strong communication skills, both verbal and visual, allowing you to effectively present and articulate your design rationale to cross-functional teams. Experience working in an agile development environment, able to adapt and iterate designs based on new user insights, scope changes, or technical limitations. A proactive and collaborative attitude, with the ability to thrive in a fast-paced startup environment. Join us in shaping the future of Ryt Bank by creating impactful and delightful user experiences that drive our products' success. If you're passionate about design, innovation, and making a meaningful impact, we'd love to hear from you. Apply now to be part of our dynamic design team and contribute to our journey of creating exceptional digital experiences. JR00000511 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":971,"slug":972,"title":973,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":974},49863,"lead-product-manager-business-banking-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Lead, Product Manager (Business Banking)","About the role We are looking for a Lead Product Manager to build and scale our business banking platform. This is not about replicating what exists today, but about reimagining how SMEs, sole proprietors and growing companies manage money in Malaysia. You will focus on the real problems business owners and teams face every day, whether that is a founder struggling with onboarding to a bank account, a finance department looking for better cash flow visibility, or an HR manager processing payroll and reimbursements. You will own the end to end product strategy and roadmap, working closely with sales, engineering, design, legal, compliance and operations. A key part of your role will be to create a seamless onboarding experience, including eKYB, that sets the tone for how businesses interact with us from day one. You will also manage the vendors that power our solutions, ensuring we deliver the highest standard while pushing for innovation. This role is for someone who can think big and execute with precision. You will set a bold direction, measure outcomes rigorously and bring in the best ideas from global markets to reshape business banking here. What you will do Define and drive the business banking product roadmap, grounded in deep understanding of customer personas such as startups, SMEs and larger businesses Design and deliver an ideal onboarding journey including eKYB, balancing speed, compliance and customer experience Partner with engineering, design, legal, compliance and operations to deliver high quality products at speed Solve core pain points for businesses such as cash flow management, payroll, employee reimbursements, procurement and payments Manage vendor partnerships to ensure we leverage the right technology while maintaining accountability and control of outcomes Set clear success metrics for every initiative, track progress and iterate quickly based on data and feedback Act as the voice of the business customer internally, championing their needs and ensuring we deliver products that genuinely make their lives easier What we are looking for Proven experience as a senior or lead product manager delivering impactful products in fintech, payments or related industries Strong product sense with the ability to turn complex business needs into simple usable solutions Deep curiosity about how different types of businesses operate, from sole proprietors to SMEs to larger enterprises Comfort in going deep into business workflows and regulations, whether finance, HR or operations, and designing solutions that fit these realities Data driven mindset with a track record of defining success metrics and holding teams accountable to outcomes Strong communication and collaboration skills, able to align stakeholders across multiple functions Experience managing third party vendors and ensuring accountability Entrepreneurial spirit, comfortable working with ambiguity and making tough trade offs Why join us You will be shaping the future of business banking in Malaysia. This is a rare chance to build something entirely new, creating products that solve real pain points for business customers and give them tools they never had before. JR00000587 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":976,"slug":977,"title":978,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":979},49864,"human-resources-business-partner-hrbp-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Human Resources Business Partner (HRBP)","About the Role: We are seeking a highly motivated and detail-oriented HR Business Partner to join our People & Culture team at Ryt Bank. This pivotal role will be instrumental in aligning HR strategies with business objectives, providing expert guidance, and fostering a high-performance culture within assigned business units. The ideal candidate will possess a strong understanding of HR best practices, excellent analytical skills, and a passion for building strong relationships with business leaders. What do we expect from this role: Strategic Partnership: Assist in the development and implementation of HR strategies that support business goals and objectives. Provide support and guidance to managers and employees on HR policies, procedures, and best practices. Analyze HR data and provide insights to identify trends and areas for improvement in talent management and organizational effectiveness. Develop and maintain HR-related documentation and resources for assigned business units. Talent Management: Conduct market research and analysis to ensure competitive talent management practices. Develop and implement talent development strategies and programs that align with organizational goals. Manage employee performance management processes, including goal setting, performance reviews, and development planning. Ensure compliance with all relevant employment laws and regulations. Employee Relations: Manage and administer employee relations programs, including conflict resolution and disciplinary actions. Serve as the primary point of contact for employee relations inquiries and resolve any employee-related issues. Evaluate and recommend improvements to existing employee relations programs. Process and manage employee relations documentation and records. Data Analysis and Reporting: Collect, analyze, and report on key HR metrics using advanced Microsoft Excel functions. Prepare reports and presentations for management on HR-related data and trends. Maintain accurate and up-to-date employee data in HRIS systems. Utilize advanced Excel functions such as pivot tables, VLOOKUPs, and complex formulas to provide data insights for decision-making. Program Administration: Manage the day-to-day administration of HR programs and initiatives within assigned business units. Respond to employee and manager inquiries regarding HR policies, procedures, and programs. Maintain accurate records and documentation related to HR activities. Participate in ad-hoc HR projects and initiatives. Apply to us now if you check most of the boxes here: Bachelor's degree in Human Resources, Business Administration, or a related field. Minimum 3-5 years of experience as an HR Business Partner or in a similar HR role. Advanced proficiency in Microsoft Excel, including pivot tables, VLOOKUPs, and complex formulas. Strong understanding of HR best practices and employment laws, particularly within the financial sector. Excellent analytical and problem-solving skills. Strong communication and interpersonal skills. Detail-oriented and highly organized. Ability to maintain confidentiality. Preferred Skills: Experience with Workday. Certification in HR (e.g., PHR, SPHR). Experience in the financial sector, with knowledge of banking regulations. Benefits: Competitive salary and benefits package. Opportunity to work in a dynamic and growing organization within the financial industry. Professional development opportunities within the banking sector. Collaborative and supportive work environment. JR00000454 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":981,"slug":982,"title":731,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":983},49865,"onboarding-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","About the Team: Are you eager to elevate your career to new heights? Join us for an exhilarating opportunity to pioneer our groundbreaking digital bank, where boundless possibilities await! We're thrilled to extend an invitation for you to join our vibrant team of visionaries, innovators, and trailblazers. You'll collaborate closely with some of the sharpest minds in the industry, operating within a supportive and collaborative environment that fosters creativity and exploration. Your next thrilling adventure awaits with our digital bank. Join us in shaping the future, today! Job Description: Verify customer identification documents and assess the authenticity of the provided information. Analyze and evaluate customer profiles to ensure compliance with regulatory requirements and company policies. Utilize industry-standard databases and screening tools to perform name screening against global watchlists and sanction lists. Investigate and escalate any potential matches or hits, ensuring adherence to applicable legal and compliance procedures. Stay abreast of updates and changes in sanction lists and adjust the screening process accordingly. Work closely with other members of the compliance team, sharing insights and providing support as necessary. Requirements: Bachelor's degree in any related field (or equivalent work experience). Knowledge of KYC frameworks and systems. Preferably 3 - 5 years of experience in Compliance Money Laundering\u002FTerrorist Financing screening or relevant Banking & Finance. Open to fresh graduates Must be willing to work in the office located in D6, Sentul. Good knowledge and understanding of Sanctions, PEP & Embargoes Regulation. Possess knowledge of consumer banking products and services as well as regulations governing the consumer banking business and products (will be an added advantage). Enjoy working efficiently and independently in a fast-paced, high-volume environment. Proficient command of English and ability to learn quickly. Ability to work independently and prioritize tasks to meet deadlines. Ability to work with a cross-functional team to coordinate desired output. Candidate should have a risk-based approach\u002Fmindset in problem-solving and the ability to respond well to constructive criticism. A start-up attitude – highly collaborative and globally-minded. Benefits: Play a pivotal role in shaping credit risk strategies at a fast-growing digital bank. Work with cutting-edge tools and data to drive real business impact. Gain exposure to innovative risk management practices in digital lending. Competitive compensation and opportunities for professional growth. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges JR00000457 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":985,"slug":986,"title":987,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":988},49866,"lead-frontend-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Lead, Frontend Engineer","We are Ryt Bank, proudly awarded as one of the five digital banking license winners by BNM in Malaysia. Our mission is to empower the underserved and unserved segments of the population by providing innovative and accessible banking solutions. As part of our team, you will play a critical role in shaping the future of digital banking, using cutting-edge technologies to deliver exceptional user experiences for Malaysians. Our team consists of experienced digital banking and fintech innovators who are passionate about driving impactful, AI-powered innovation in the financial industry. Together, we are building a bank by Malaysians, for Malaysians. About the Role The Lead Frontend Engineer is a key member of our product-focused engineering team. You will play an instrumental role in delivering a seamless, innovative, and engaging banking experience to our customers. As a senior contributor, you will not only write clean and scalable code but also collaborate with cross-functional teams to design, build, and optimize high-quality frontend systems. We are looking for a proactive and experienced frontend engineer who thrives in a fast-paced environment and can mentor junior developers while driving technical excellence. Here, your ideas and contributions will directly impact the success of Malaysia’s next-generation digital bank. Your Impact: Redefine Banking Experiences: Develop intuitive and visually appealing user interfaces that make banking accessible and enjoyable for Malaysians. Deliver High-Quality Solutions: Use modern technologies to design and optimize scalable, responsive, and high-performance frontend (mobile & web) systems. Mentor and Collaborate: Lead by example in coding best practices and help upskill team members to drive continuous improvement in our engineering culture. Key Responsibilities: Design and develop robust, scalable, and user-friendly mobile & web applications with a focus on performance and usability. Collaborate closely with product managers, designers, backend engineers, and QA to deliver end-to-end features. Drive the architecture design and implementation of reusable components, optimized state management, and responsive designs. Advocate and adhere to best development practices, including testing, code reviews, and documentation. Mentor and manage junior engineers, fostering a culture of collaboration, innovation, and growth. Who We're Seeking: Strong Technical Expertise: Proficiency in JavaScript, TypeScript, and modern frontend frameworks like React and React Native, as well as libraries like Redux, React Query, etc. Cross-Platform Experience: Hands-on experience in building scalable and performant applications using React Native or other cross-platform frameworks. User-Centric Mindset: Passion for building clean and intuitive UI\u002FUX that delivers exceptional user experiences. Ownership and Leadership: Ability to take ownership of projects, make technical decisions, and mentor team members. Problem-Solving: Strong analytical and problem-solving skills with a focus on delivering quality solutions. Technology Stack We Use: Languages: TypeScript Frameworks: React, React Native, Expo State Management: React Query, Context API Tools: Git, Expo EAS, Figma (for design collaboration) Why Join Us: Be part of an award-winning digital bank project that is reshaping Malaysia’s financial landscape. Collaborate with a team of passionate, driven, and talented innovators. Drive impactful solutions that empower underserved and unserved communities. Grow your technical skills in a dynamic and fast-paced environment that values learning and innovation. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honourable in our actions Tenacious in overcoming challenges Join us on this journey to build a digital bank that Malaysians can be proud of. If you are passionate about crafting exceptional digital experiences and want to make a meaningful impact, we’d love to hear from you! JR00000522 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":990,"slug":991,"title":992,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":993},49867,"head-of-cybersecurity-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Head of Cybersecurity","About the Team We're building the next generation of digital banking infrastructure that combines enterprise-grade reliability with startup agility. Our Cyber Security team is the backbone of our technology organisation, ensuring that innovation and trust go hand in hand as we scale Malaysia's first AI-powered digital bank. You'll collaborate with some of the sharpest minds in the industry, operating in a supportive and dynamic environment that fosters creativity, exploration, and innovation. Your next thrilling adventure starts here. Be part of shaping the future of digital banking today! About the Role The Head of Cyber Security is Ryt Bank's most senior 1st-line security leader, responsible for building and operating the bank's entire security function across Cyber Operations, Security Engineering, and Cyber Governance. This role sits within the CTO organisation and executes the bank's Cyber Resilience Framework (CRF) and Technology Risk Management Framework (TRMF) in partnership with the 2nd-line CISO in the Risk organisation. This is a hands-on leadership role for a security leader who can operate at the intersection of financial regulation, AI-native technology, and people leadership — someone who understands what RMIT compliance looks like in practice, not just on paper. What You'll Do CYBERSECURITY STRATEGY & EXECUTION Own and execute the bank's 1st-line cybersecurity strategy, aligned to BNM RMIT, NIST CSF, and the bank's AI-first technology direction. Lead the design, implementation, and continuous improvement of security controls across the IPDRR lifecycle (Identify, Protect, Detect, Respond, Recover). Oversee the bank's Cyber Resilience Framework (CRF) and Technology Risk Management Framework (TRMF), working closely with the 2nd-line CISO on policy alignment and regulatory submissions. Own the security tooling strategy and budget — including SIEM, SOAR, EDR, CSPM, CNAPP, IAM platforms, and AI security tooling. Champion security awareness programmes and embed a security-first culture across engineering, product, and operations. PEOPLE & TEAM LEADERSHIP Build and lead a 1st-line security team across three pillars: Cyber Operations, Security Engineering, and Cyber Governance. Apply Team Topologies principles — enabling stream-aligned product teams through platform and enabling team structures, including the Security Champions programme. Hire, develop, and retain security talent suited to an AI-native, cloud-first digital bank; build career growth paths within the function. Manage performance, set clear expectations, and create a culture of continuous improvement and psychological safety. RMIT COMPLIANCE & REGULATORY ENGAGEMENT Ensure the security function meets all applicable BNM RMIT requirements, including: 24x7 SOC capability, CIRP\u002FCERT maintenance, annual cyber drill (SS11.16), and quarterly vulnerability management. Support BNM foundational phase graduation, including evidence preparation for technology risk, operational resilience, and security maturity reviews. Liaise with internal and external auditors, coordinate regulatory examinations, and ensure timely remediation of findings. Support the bank's PDPA compliance posture in partnership with Legal and Compliance. AI-NATIVE SECURITY Oversee security of the bank's AI infrastructure — including coding agents, RAG pipelines, MCP-connected agents, and agentic workflows. Ensure AI security governance is anchored in OWASP LLM Top 10, MITRE ATLAS, and Google SAIF frameworks. Work with the Lead, Security Engineering to embed AI security into the SDLC. Stay ahead of emerging AI threat vectors — prompt injection, data poisoning, model theft, agentic exploit patterns — and evolve the team's capabilities accordingly. What We're Seeking EXPERIENCE Minimum 7 years of technology experience, with at least 5 years in a senior security leadership role in a regulated financial institution or fintech. Demonstrated track record of building and scaling security teams from early-stage through regulated go-live. Prior experience as a Head of Cybersecurity, CISO, or Deputy CISO in a bank, insurer, or fintech under central bank supervision; digital bank or neobank experience is a significant advantage. Well-versed in BNM regulatory frameworks: RMIT, Outsourcing Policy, BCM, and PDPA — you understand what compliant actually means in practice. Hands-on familiarity with cloud-native infrastructure (Alibaba Cloud or AWS), Kubernetes, and AI\u002FML system security. SKILLS Deep understanding of cybersecurity principles across ISO 27001, NIST CSF, PCI-DSS, and AI security frameworks (OWASP LLM Top 10, MITRE ATLAS, SAIF). Ability to translate complex security risk into business-relevant language for the Board, BNM, and non-technical stakeholders. Strong people leadership: hiring, performance management, team development, and building a culture of security ownership. Excellent written and verbal communication skills; comfortable presenting to Board-level and regulatory audiences. PREFERRED CERTIFICATIONS CISSP, CISM, CISA, or equivalent. Cloud security certification (AWS Security Specialty, Alibaba Cloud Security Associate, or equivalent). AI\u002FML security credentials are a plus. What We Value Revolutionary in our thinking. Innovative in our products, services and the way we work. Genuine in our intentions. Honourable in our actions. Tenacious in overcoming challenge. JR00000570 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":995,"slug":996,"title":848,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":997},49868,"relationship-manager-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","About the Team: Are you ready to be part of a transformative journey in digital banking? Join our vibrant team of visionaries and innovators as we redefine SME banking. Our team thrives on collaboration, innovation, and a shared commitment to excellence. We are passionate about delivering tailored financial solutions to small and medium-sized enterprises (SMEs) through cutting-edge digital platforms. This is your opportunity to shape the future of banking and make a meaningful impact. About the Role: We are seeking a dynamic and customer-focused Business Banking Relationship Manager to join our digital bank. In this role, you will be responsible for acquiring, managing, and growing relationships with SMEs, providing financial solutions through digital channels. You will work independently while also collaborating with cross-functional teams to deliver exceptional service and drive SME growth. Key Responsibilities: Identify and onboard new Business Banking clients through digital outreach, referrals, and partnerships. Manage a portfolio of Business Banking clients, ensuring high levels of satisfaction and retention. Conduct regular reviews to understand client needs and offer appropriate financial solutions. Promote the bank’s suite of Business Banking products. Utilize CRM and digital banking platforms to monitor client activity and engagement. Ensure all client interactions and transactions comply with regulatory and internal policies. Prepare regular reports on portfolio performance, client feedback, and market trends. Qualifications: Bachelor’s degree in Business, Finance, Economics, or related field. Minimum 1–2 years of experience in financial institutions, Fintech or Digital Banking. Strong understanding of SME financial needs and banking products\u002Fmicrofinancing. Familiarity with digital banking platforms and fintech solutions. Excellent communication, negotiation, and interpersonal skills. Ability to work independently and in a fast-paced, digital-first environment. What We Value: Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation. Curiosity for continuous learning and improvement. Benefits: Be part of a forward-thinking digital bank transforming Business Banking. Work with cutting-edge technology and innovative financial products. Enjoy a flexible, inclusive, and growth-oriented work culture. Contribute to the development of reliable systems that delight our Business Banking clients. Collaborate with a team of like-minded individuals to deliver exceptional products. JR00000500 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":999,"slug":1000,"title":1001,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1002},49869,"lead-cyber-governance-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Lead, Cyber Governance","About the Team We're building the next generation of digital banking infrastructure that combines enterprise-grade reliability with startup agility. Our Cyber Security team is the backbone of our technology organisation, ensuring that innovation and trust go hand in hand as we scale Malaysia's first AI-powered digital bank. You'll collaborate with some of the sharpest minds in the industry, operating in a supportive and dynamic environment that fosters creativity, exploration, and innovation. Your next thrilling adventure starts here. Be part of shaping the future of digital banking today! About the Role The Lead, Cyber Governance is responsible for Ryt Bank's cyber governance framework — ensuring the bank's security practices are well-documented, risk-informed, RMIT-compliant, and consistently embedded into decision-making across the organisation. This role sits as a direct report to the Head of Cyber Security and serves as the primary day-to-day bridge between the 1st-line security function and the 2nd-line CISO in the Risk organisation. This is a senior governance role for a person who combines deep regulatory knowledge with the ability to translate complex cyber risk into clear, business-relevant language. You will own the RMIT controls register, the risk register, policy lifecycle, third-party risk, and cyber drill coordination — freeing the operational pillar leads to stay focused on detection, response, and engineering. What You'll Do CYBER GOVERNANCE FRAMEWORK Develop, implement, and continuously improve the bank's cyber governance framework, aligned to BNM RMIT, NIST CSF, ISO 27001, PCI-DSS, and the bank's internal risk appetite. Own the RMIT controls register — mapping all applicable RMIT requirements to bank controls, tracking compliance status, and producing gap analysis and remediation plans. Manage the policy lifecycle for all cybersecurity policies, standards, and guidelines — drafting, reviewing, approving, and publishing on a regular cadence. Monitor regulatory developments — BNM RMIT revisions, PDPA updates, PayNet requirements, PCI-DSS changes — and proactively update the bank's governance posture. RISK MANAGEMENT & REPORTING Maintain the cyber risk register — identifying, assessing, tracking, and reporting on cyber risks in line with the bank's enterprise risk management framework. Produce KRI\u002FKPI dashboards and governance reports for the Head of Cyber Security, Board Risk Committee, and BNM — including periodic cyber risk reporting required under RMIT. Work with the 2nd-line CISO to ensure risk reporting is consistent between the 1st-line and 2nd-line views. Support technology risk governance forums and represent cybersecurity in cross-functional risk committees. AUDIT, REGULATORY & THIRD-PARTY Coordinate cyber security reviews, BNM examinations, and internal\u002Fexternal audit activities — preparing evidence packs, managing audit timelines, and ensuring findings are tracked to remediation. Own third-party and vendor cyber governance: due diligence assessments for new vendors, periodic reviews of existing critical vendors (cloud, MSSP, and AI tool providers), and RMIT-compliant outsourcing risk oversight. Own shadow IT controls documentation (RMIT SS10.16) in partnership with the Security Engineering team. CYBER DRILL & BUSINESS CONTINUITY Own the planning, coordination, and execution of the bank's annual cyber drill (RMIT SS11.16) — including board members, senior management, and third-party providers. Maintain the bank's Cyber Incident Response Plan (CIRP) documentation in partnership with the Lead, Cyber Operations. Support Business Continuity Management (BCM) cyber workstreams and cyber resilience testing. Maintain cyber insurance programme documentation and support annual policy review. AI GOVERNANCE SUPPORT Maintain the AI security governance documentation for the bank's AI-native stack — AI inventory, AIBOM, AI risk register, and ISO 42001-aligned AI governance artefacts. Support the bank's AI Ethics Committee with cyber and security risk inputs for new AI system deployments. Track BNM's evolving position on AI use in financial services and ensure the governance framework stays ahead of regulatory expectations. What We're Seeking EXPERIENCE 5-7 years in cyber security governance, technology risk, or GRC roles, ideally in a regulated financial institution. Demonstrated experience owning a controls framework and producing regulatory-grade risk reporting. Strong familiarity with BNM RMIT requirements — including the November 2025 revision — and what they require in practice. Experience engaging directly with regulators (BNM), external auditors, and board-level stakeholders. Familiarity with AI governance frameworks (ISO 42001, NIST AI RMF, Treasury FS AI RMF) is a growing requirement and a strong differentiator. SKILLS Excellent written communication — able to produce clear policy documents, risk reports, and board papers. Strong regulatory translation ability — converting dense regulatory text into actionable bank controls. Organised and detail-oriented — able to manage multiple governance workstreams, deadlines, and stakeholders simultaneously. Ability to influence without authority — driving compliance across teams that do not report to you. Familiarity with GRC tooling (Jira GRC, ServiceNow, or equivalent) is an advantage. PREFERRED CERTIFICATIONS CISM, CISA, or CRISC. ISO 27001 Lead Implementer or Lead Auditor. Certified in Risk and Information Systems Control (CRISC). What We Value Revolutionary in our thinking. Innovative in our products, services and the way we work. Genuine in our intentions. Honourable in our actions. Tenacious in overcoming challenge. JR00000614 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1004,"slug":1005,"title":1006,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1007},49870,"team-lead-card-operations-chargeback-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Team Lead, Card Operations Chargeback","Overview: The Dispute and Chargeback Manager \u002F Assistant Manager is responsible for overseeing the overall chargeback and dispute processes, ensuring timely and accurate resolution of cases, and minimizing financial losses due to chargebacks and disputes. Key Responsibilities: Process, analyze & conduct investigation on transaction disputes and ensure all transactions are actioned within the stipulated timeframe as specified in Card Scheme’s regulations. Possess a clear understanding of the Dispute and Chargeback flows as per Card Schemes requirements such as chargeback and presentment reason codes, timelines and submissions. Monitor the GL accounts which are related to Dispute and Chargeback to ensure outstanding items resolved within the stipulated lifespan. Liaise with the relevant departments on disputes matters and ensure closure within stipulated timelines. Assist in preparing monthly Management Information (MI), periodic Card Scheme and BNM reporting related to Dispute and Chargeback. Monitor and review decisions made on exception reports for insufficient and blocked accounts and perform necessary action on the transactions adhering to company’s policy and BNM guidelines as required. Drafting, periodic review and update of the department SOPs related to Dispute and Chargeback. Support and participate in UATs on projects related to Cards. Provide support to Senior Manager when audits are conducted in related operational areas. Provide support to the Senior Manager on other operational processes, when required Job Requirements: A relevant tertiary level qualification and\u002For recognised qualification(s) appropriate to the role. Minimum 3 years of relevant experience in Dispute Resolution and Chargeback Handling and is proficient in Card Scheme related regulations. Proficient in English (written and spoken) and Microsoft Office applications. Good interpersonal, communication and organisational skills and is an effective team player. JR00000162 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1009,"slug":1010,"title":1011,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1012},49871,"senior-specialist-financial-planning-amp-analysis-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Specialist, Financial Planning & Analysis","About Ryt Bank Ryt Bank is the world's first AI-powered digital bank, redefining the future of financial services through technology, data, and innovation. As a licensed digital bank regulated by Bank Negara Malaysia (BNM) and currently operating within the foundational phase of our licensing framework, we are on a deliberate path to graduate from this phase within five years — achieving a clear and credible trajectory to profitability. Our Finance team sits at the heart of this journey, providing the financial rigour, strategic foresight, and regulatory discipline that underpin everything we do. Role Overview The role will be a core contributor to Ryt Bank's financial planning, forecasting, management reporting, and systems capabilities. Reporting to the Head of FP&A, this is a hands-on role requiring strong analytical depth, comfort with ambiguity, and the ability to move quickly when strategic priorities shift. The successful candidate will play a key role in maintaining our monthly capital and regulatory forecasts, driving the integrity of our five-year financial projections, and advancing the bank's Workday Adaptive Planning environment — all while acting as a disciplined financial partner to the business. Key Responsibilities Financial Planning, Forecasting & Regulatory Capital Support the annual budget cycle end-to-end — coordinating inputs across the business, challenging assumptions, and preparing the budget for Board of Directors (BOD) approval Maintain the monthly rolling forecast cycle, ensuring all BNM regulatory capital and liquidity thresholds are met at all times to safeguard the bank's operating license Own and continuously develop the bank's five-year financial projections, providing a credible and substantive path to profitability and graduation from BNM's foundational phase Coordinate the annual socialisation of the five-year plan with BNM, working closely with business teams to ensure projections are grounded in validated strategic assumptions Prepare scenario analyses and capital planning materials for shareholder engagements, supporting the CFO in capital raising discussions Continuously refine financial models to reflect the bank's evolving operating environment, funding position, and regulatory requirements Management Reporting & Analytics Produce monthly management accounts, executive dashboards, and board reporting packs Deliver clear variance commentary (actual vs. budget vs. forecast) — FP&A is the bank's source of financial truth and must proactively surface deviations before they escalate Develop and enhance reporting frameworks and KPIs aligned to the bank's strategic priorities and foundational phase milestones Workday Adaptive Planning & Systems Actively support the ongoing maintenance and enhancement of Workday Adaptive Planning as the bank's core FP&A tool Leverage Workday ERP and HCM data within planning and cost models, ensuring integrity across systems Identify and implement improvements to model architecture and automation capabilities within the planning environment Business Partnering & Campaign Governance Partner with business unit heads to provide financial insights that support decision-making, cost discipline, and investment prioritisation Serve as the first layer of financial review for marketing and rewards campaigns — assessing commercial viability and calling out initiatives that risk poor returns Ensure the bank maintains disciplined management of Customer Acquisition Cost (CAC) and cost per retention metrics Support ad hoc financial analysis and special projects as directed by the Head of FP&A or CFO Qualifications & Experience Bachelor's degree in Finance, Accounting, Economics, or a related discipline Professional qualification in accounting or finance (ACCA, CPA, CFA or equivalent) Minimum 5–8 years of progressive finance experience with substantial exposure to FP&A, financial planning, or management reporting Hands-on experience with an ERP system (Workday, SAP, Oracle or equivalent) and a dedicated FP&A or EPM planning tool (Workday Adaptive Planning, Anaplan, or similar) Strong financial modelling skills with advanced proficiency in Excel Experience in a banking, financial services, or regulated financial institution is strongly preferred Experienced working in a start-up, high-growth, or early-stage financial institution Key Competencies Strategic & Analytical Thinking Synthesises complex financial data into clear narratives and actionable recommendations for senior management Connects financial outputs to business strategy — understands what the numbers mean and what decisions need to follow Agility & Adaptability Thrives when strategy shifts — able to pivot quickly, restructure models, and produce relevant analysis without losing accuracy Comfortable in a start-up environment where processes are still being built; brings solutions rather than waiting for perfect conditions Resilient through steep learning curves with a positive, ownership-driven mindset Stakeholder Management Builds genuine, trust-based relationships — goes beyond transactional interactions to understand the commercial context behind requests Confident presenting to senior management and external stakeholders including BNM and shareholders Delivers difficult messages — challenging flawed assumptions or unviable campaigns — with clarity, data, and diplomacy Technology & Automation Mindset Actively seeks to eliminate manual processes and embraces technology, including AI tools, to free up time for higher-value work Willing to invest in learning new systems even when the process is difficult; brings a builder's mentality to improving how FP&A operates Treats automation as an ongoing discipline — consistently looking to make the team's processes faster, more accurate, and more scalable JR00000561 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1014,"slug":1015,"title":1016,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1017},49872,"talent-acquisition-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Talent Acquisition Specialist","About the role: Ryt Bank is looking for a motivated and detail-oriented Talent Acquisition professional to join our People team. In this role, you will be responsible for driving end-to-end recruitment processes, ensuring we attract, assess, and hire the best talent to power our fast-growing digital bank. You won’t just be filling vacancies—you’ll be shaping the future of our workforce by identifying top talent, enhancing candidate experiences, and collaborating closely with hiring managers. This role is ideal for someone who is passionate about people, thrives in a fast-paced environment, and is eager to grow their career in talent acquisition. Key Roles and Responsibilities: Recruitment & Selection Manage the full-cycle recruitment process from job postings, sourcing, screening, interviewing, to offer management. Collaborate with hiring managers to understand role requirements and create effective sourcing strategies. Maintain applicant tracking system (ATS) records with accuracy and timeliness. Sourcing & Employer Branding Source candidates through multiple channels including job boards, social media, networking, and referrals. Support employer branding initiatives to enhance Ryt Bank’s visibility as an employer of choice. Engage with potential talent pools for current and future hiring needs. Candidate Experience Ensure timely communication and a positive candidate journey from application to onboarding. Coordinate interviews, assessments, and feedback sessions between candidates and hiring teams. Act as a brand ambassador to represent Ryt Bank’s values and culture throughout the hiring process. Operational & Administrative Support Prepare recruitment reports, dashboards, and metrics for management review. Support compliance by ensuring recruitment processes align with internal policies and regulatory requirements. Assist in onboarding processes to ensure smooth transitions for new hires. Talent Projects & Initiatives Contribute to HR\u002Ftalent projects such as diversity hiring, process improvements, and technology adoption. Stay updated on market trends, salary benchmarks, and best practices in recruitment. Qualifications: Bachelor's degree in human resources, business administration, or a related discipline. 1-3 years of relevant experience in talent acquisition, preferably in a corporate or fast-growing environment. Strong communication and interpersonal skills with the ability to build relationships across levels. Proficiency in Microsoft Office Suite (Excel, Word, Outlook) and familiarity with ATS tools. Ability to manage multiple priorities with accuracy and efficiency in a dynamic setting. Strong sourcing skills and knowledge of digital recruiting channels (LinkedIn, job boards, networking). Service-oriented mindset with a passion for matching the right talent to the right role. Benefits: Be part of a fast-growing digital bank that values innovation and people-first culture. Gain exposure to diverse hiring projects and talent strategies. Opportunity to collaborate with dynamic leaders and cross-functional teams. Enjoy a competitive compensation package and career development opportunities. What We Value: Revolutionary in our thinking Innovative in our products, services, and the way we work Genuine in our intentions Honorable in our actions Tenacious in overcoming challenges JR00000585 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1019,"slug":1020,"title":1021,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1022},49875,"vapt-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","VAPT Engineer","About the Team We're building the next generation of digital banking infrastructure that combines enterprise-grade reliability with startup agility. Our Cyber Security team is the backbone of our technology organisation, ensuring that innovation and trust go hand in hand as we scale Malaysia's first AI-powered digital bank. You'll collaborate with some of the sharpest minds in the industry, operating in a supportive and dynamic environment that fosters creativity, exploration, and innovation. Your next thrilling adventure starts here. Be part of shaping the future of digital banking today! About the Role VAPT Engineers sit within the 2nd-line CISO organisation at Ryt Bank, providing independent penetration testing and vulnerability assessment capability that is structurally separate from the 1st-line security function. This role is for security professionals who are genuinely passionate about offensive security — finding vulnerabilities before adversaries do and helping Ryt Bank understand its real attack surface as an AI-powered digital bank. What You'll Do PENETRATION TESTING & VAPT Plan and execute quarterly vulnerability assessments across the bank's full infrastructure, applications, and API surface. Sr VAPT Engineers own and lead the programme; VAPT Engineers execute assessments and triage findings. Coordinate the annual intelligence-led penetration test covering internal network, external perimeter, applications, and APIs. Sr VAPT Engineers scope, manage, and validate; VAPT Engineers support execution. Lead the bank's triennial red team simulation — intelligence-led, adversary-simulated exercises targeting critical banking systems. Sr VAPT Engineers lead; VAPT Engineers participate and develop skills. Manage the external penetration testing firm relationship — scoping, reviewing methodologies, validating findings, and ensuring remediation is tracked. Led by Sr VAPT Engineers. AI RED TEAM Own the bank's AI red-team programme, testing the bank’s adopted large language models, RAG pipelines, MCP-connected agents, and agentic workflows. Apply MITRE ATLAS (v5.4.0) techniques to simulate AI-targeted attacks: model API reconnaissance, training data poisoning, model evasion, prompt injection, indirect prompt injection via RAG documents, and confused-deputy attacks in agent-to-agent workflows. Test against OWASP Mobile, API, Web and LLM Top 10 (2025 edition) — covering prompt injection, sensitive information disclosure, excessive agency, system prompt leakage, vector and embedding weaknesses, and AI supply chain risks. Use AI red-team tooling to run systematic adversarial evaluations of the bank's AI systems. Sr VAPT Engineers own the programme; VAPT Engineers execute specific test scenarios. Produce AI security findings reports and coordinate remediation with the Lead, Security Engineering. REMEDIATION & REPORTING Run purple team exercises in collaboration with the Lead, Cyber Operations — testing detection coverage, validating SIEM rules, and improving SOC response playbooks. Produce clear, actionable pentest and AI red-team reports for technical and non-technical audiences — including executive summaries for the CISO and board. Track all findings to remediation within agreed SLAs; escalate unresolved critical findings through the CISO. Provide technical security consultancy to engineering teams on high-risk features, novel architectures, and AI system deployments. What We're Seeking EXPERIENCE 3–7 years in penetration testing, red teaming, or offensive security roles with demonstrated independent delivery. Proven experience scoping, leading, and reporting on mobile and web applications, API, network, and cloud penetration tests. Hands-on experience with mobile, API and web application penetration testing Deep familiarity with AI penetration testing and tooling — testing LLMs, RAG systems, or agentic AI architectures is a strong differentiator. Deep familiarity with MITRE ATLAS and OWASP Mobile, Web, API and LLM Top 10 attack frameworks. Experience managing external pentest vendors. Experience in regulated environments (banking, fintech, insurance, critical infrastructure) preferred. SKILLS Proficiency with offensive security tools — Burp Suite, Metasploit, Nmap, and custom scripting. Sr VAPT Engineers: proficiency with AI vulnerability testing tools (PyRIT, garak, Promptfoo) and ability to produce board-ready findings reports. VAPT Engineers: growing proficiency across offensive tools and methodologies. Ability to communicate findings clearly to technical and non-technical audiences. Understanding how to scope and execute adversarial exercises safely in a live banking environment. PREFERRED CERTIFICATIONS OSCP, OSCP+ OSEP, CREST CPSA or CRT (Sr VAPT Engineers); OSCP in progress (VAPT Engineers). GIAC GPEN, GWAPT, or GXPN. CompTIA PenTest+. What We Value Revolutionary in our thinking. Innovative in our products, services and the way we work. Genuine in our intentions. Honourable in our actions. Tenacious in overcoming challenge. JR00000604 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1024,"slug":1025,"title":1026,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1027},63601,"business-intelligence-analyst-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Business Intelligence Analyst","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic BI Analyst to join our dynamic Business Intelligence team. This is an excellent opportunity for aspiring talents to gain valuable hands-on experience in a fast-paced and innovative environment. As a Business Intelligence Analyst, you will not merely dance with the ethereal tendrils of data but entwine them into an architectural ballet that reverberates through the corridors of fintech dominion. You will work closely with experienced professionals, contribute to real-world projects, and develop essential skills for a successful career in the Business Intelligence team. Key Responsibilities: To design, develop, and optimize scalable analytics and data reporting implementation to help business navigate decisions. Work independently, resourcefully while also being a good team player. Develop and manage BI solutions such as data models and dashboards to support data driven decision making. Collaborate with stakeholders for KPIs and reports for departmental and organization-wide performance. Collaborate with stakeholders across organizations to understand analytics needs. Collecting and analyzing data from various sources to discover insights that support business growth. Develop and provide reports, visualizations, and presentation to communicate strategic findings to stakeholders. Identify opportunities for processes and strategies improvement with data driven insights. Maintaining documentation on business requirements, design, and user manual for organization. Supporting overall Business Intelligence strategy. Qualifications: Familiarity with financial and banking products. Strong command in SQL and simple analytics tools such as Excel. Experience building data visualization tools such as Tableau, Power BI, Qlik to create visualization and reports. Understanding data storytelling concept. Collaborating with a diverse set of engineers, data scientists and product managers. Familiarity with data science techniques and frameworks Knowledge of Python is a plus. Benefits: Gain valuable hands-on experience in business intelligence. Work on real-world projects and contribute to the success of a growing company. Learn from experienced professionals and build a strong professional network. Develop essential skills for a successful career in business intelligence. Opportunity to contribute to the future of digital banking. What We Value: Open minded and constructive while being respectful and empathetic, help each other to improve. Responsible with great sense of ownership Committed and work as a team to reach the goal. Customer focus Results oriented. Lead change. JR00000331 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1029,"slug":1030,"title":736,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":1031},63610,"service-excellence-amp-insights-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","About the Role: Supports the Head of Service Excellence & Insights on the end-to-end Quality Review monitoring and testing across all operations functions within the bank. The role ensures that processes, customer interactions, service delivery, and control environments consistently meet regulatory standards, internal policies, performance benchmarks, and customer experience expectations. This position focuses on embedding a culture of quality and continuous improvement across the operations ecosystem, while enabling scalability, efficiency, and a high-assurance environment. Key Responsibilities A. Operational Quality Review Monitoring & Testing · Supports on execution of time-bound and thematic reviews and process checks on critical operations activities. · Supports on remediation tracking, and training needs with emphasise on non-repeat findings. B. Process Excellence & Continuous Improvement · Supports on proposals to refinement of SOPs, work instructions, and training content. · Supports on control enhancements to reduce defects, mitigate operational risk, and improve accuracy and consistency. · Supports on corrective actions and preventive controls. C. Risk & Compliance Alignment · Works on remedial and solutioning on findings that have impact to Risk and Compliance themes. · Support operational and audits related risk assessments on service quality and operational controls. · Supports on timely closure of findings, defects, and action items with full documentation and traceability. Qualifications & Experience Minimum Requirements · 3 to 5 years’ experience in Banking Operations roles or BPO\u002Fcontact-centre environments. · Has working level experience in Quality Reviews monitoring & testing. · Has strong understanding of operational controls, customer servicing, and end-to-end process flows. Preferred Competencies · Strong operational governance mindset and attention to detail. · Strategic yet direct approach to quality management and operational excellence · Effective communication, stakeholder engagement, and coaching skills. · High agility and adaptability to fast-changing digital landscape. · Familiarity with BNM guidelines, risk, and regulatory requirements. Benefits: · Be part of a fast-growing digital bank that values innovation and people-first culture. · Gain exposure to diverse hiring projects and talent strategies. · Opportunity to collaborate with dynamic leaders and cross-functional teams. · Enjoy a competitive compensation package and career development opportunities. What We Value: · Revolutionary in our thinking · Innovative in our products, services, and the way we work · Genuine in our intentions · Honourable in our actions · Tenacious in overcoming challenges JR00000509 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1033,"slug":1034,"title":1035,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":1036},68554,"security-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Security Engineer","About the Team We're building the next generation of digital banking infrastructure that combines enterprise-grade reliability with startup agility.Our Cyber Security team is the backbone of our technology organisation, ensuring that innovation and trust go hand in hand as we scale Malaysia's first AI-powered digital bank. You'll collaborate with some of the sharpest minds in the industry, operating in a supportive and dynamic environment that fosters creativity, exploration, and innovation. Your next thrilling adventure starts here. Be part of shaping the future of digital banking today! About the Role Security Engineers at Ryt Bank are hands-on builders of the security engineering platform — responsible for application security, cloud and network security implementation, DevSecOps pipelines, Vulnerability Management, security tooling and automation, AI security tooling, and security research. The team runs two seniority levels — Sr Security Engineer and Security Engineer — sharing the same broad engineering remit. The distinction lies in depth, independence, and breadth of ownership. Sr Security Engineers own complex, high-impact security engineering work independently across all domains — making architectural decisions, leading tooling builds, and serving as the technical authority for the pillar. Security Engineers build strong ownership across a focused subset of these domains and expand their coverage over time, working closely with the Sr Security Engineer and Lead. Both roles are for technically strong engineers who are passionate about building security at scale in an AI-native digital bank, where conventional security tooling meets agentic automation and LLM-powered workflows. What You'll Do SECURITY ARCHITECTURE & APPSEC Conduct threat modelling, architecture security reviews, and secure code reviews for applications, APIs, and AI systems. Sr Engineers lead and own these independently; Engineers participate under guidance of the Lead and Sr Engineer. Operate and improve security tooling in CI\u002FCD pipelines — SAST, DAST, SCA, container image scanning, and secret detection. Sr Engineers own the pipeline architecture; Engineers operate and maintain it. Own SBOM generation and supply chain security controls. Sr Engineers lead the programme; Engineers maintain the pipeline. Apply OWASP LLM Top 10 to review and harden AI-native applications — coding agents, RAG pipelines, MCP-connected agents, and agentic workflows. Support the Security Champions programme. Sr Engineers mentor champions and produce AppSec guidance; Engineers provide squad-level tooling assistance. CLOUD, NETWORK & IAM Own and operate cloud security posture management (CSPM) and CNAPP across Alibaba Cloud and AWS. Sr Engineers own the architecture and policy; Engineers monitor and remediate findings. Implement and maintain zero-trust microsegmentation, network security groups, cloud-native firewall rules, and Kubernetes admission control. SECURITY TOOLING, AUTOMATION & AI SECURITY Build out the bank's Agentic SOC capability using n8n or equivalent orchestration. Sr Engineers lead design and implementation; Engineers contribute to build and maintenance. Designed and implemented security controls for AI systems, enhancing resilience against emerging threats and ensuring secure, reliable operation. SECURITY RESEARCH Stay current on the security engineering landscape — new vulnerabilities, emerging attack techniques, AI security research, and tooling developments. Evaluate new security tooling and automation capabilities; Sr Engineers produce architecture recommendations, Engineers produce proof-of-concept implementations. Contribute security research findings to the Lead and Head of Cyber Security to inform the team's technical roadmap. What We're Seeking EXPERIENCE 3–5 years in security engineering roles with demonstrated hands-on coverage across AppSec, cloud security, IAM, and security automation. Deep familiarity with MITRE ATT&CK, OWASP LLM Top 10, and cloud security architecture across Alibaba Cloud and\u002For AWS. Proven ability to independently own and deliver complex security engineering programmes. Hands-on experience with AI\u002FLLM security tooling and agentic workflow security is a strong differentiator. Experience in a regulated financial institution; familiarity with BNM RMIT requirements is a strong advantage. SKILLS Scripting capability in Python, Bash, or Go for security tooling and pipeline automation. Familiarity with SIEM query languages (KQL, SPL) and detection-as-code (Sigma). Working knowledge of cloud security (CSPM, IAM, K8s), DevSecOps tooling, and IAM\u002FCIAM patterns. Sr Engineers: architectural authority, independent delivery, ability to mentor and set technical direction. Engineers: collaborative and growth-oriented, proactively expanding domain coverage. PREFERRED CERTIFICATIONS AWS Security Specialty or Alibaba Cloud Security; CKS (Certified Kubernetes Security Specialist). CompTIA Security+ or CySA+. Sr Engineers: CISSP or equivalent. Engineers: eJPT, AWS Cloud Practitioner, or CompTIA PenTest+. What We Value Revolutionary in our thinking. Innovative in our products, services and the way we work. Genuine in our intentions. Honourable in our actions. Tenacious in overcoming challenge. Requirements added by the job poster • Authorized to work in Malaysia • 3+ years of work experience with Cloud Security • 3+ years of work experience with Security Engineering • 3+ years of work experience with Security Automation JR00000609 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1038,"slug":1039,"title":1040,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":1041},77316,"regulatory-compliance-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Regulatory Compliance Intern","Role Overview The Regulatory Compliance Intern will support the Compliance team in monitoring, implementing, and maintaining regulatory requirements applicable to banking operations. This role offers hands-on exposure to regulatory compliance in a digital banking environment and is ideal for individuals interested in pursuing a career in compliance, risk, or regulatory affairs. Key Responsibilities * Assist the Compliance team in monitoring regulatory developments from Bank Negara Malaysia (BNM) and other relevant authorities * Support the review and maintenance of compliance policies, procedures, and internal guidelines * Help track regulatory submissions, filings, and compliance calendars * Assist in preparing materials for internal compliance reviews, audits, or regulatory inspections * Support compliance advisory work by conducting basic research and documenting findings * Assist with compliance monitoring activities, including reviewing internal reports and controls * Help maintain proper documentation and records in line with regulatory requirements * Perform other ad-hoc tasks or projects assigned by the Compliance team Requirements * Currently pursuing or recently completed a Bachelor’s degree in Law, Finance, Banking, Business, Economics, Risk Management, or a related field * Strong interest in regulatory compliance, risk management, or the financial services industry * Basic understanding of banking regulations or compliance concepts is an advantage * Good written and verbal communication skills in English * Strong attention to detail and ability to handle confidential information responsibly * Proficient in Microsoft Office (Word, Excel, PowerPoint) * Eagerness to learn, with a proactive and responsible attitude What You Will Gain * Practical exposure to regulatory compliance within a digital bank * Understanding of banking regulations and compliance frameworks in Malaysia * Hands-on experience working with experienced compliance professionals * Development of analytical, documentation, and stakeholder communication skills * Opportunity to explore a career pathway in Compliance, Risk, or Governance JR00000644 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1043,"slug":1044,"title":918,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":1045},77319,"risk-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-3","About the Role Join the Risk team at Ryt Bank, a licensed Malaysian digital bank in active commercial operations. You will work alongside experienced risk professionals on real deliverables, gaining exposure to how risk is managed, measured, and communicated inside a fast-moving financial institution. We offer two tracks — choose the one that suits how you think. For the investigative thinker who asks why, not just what. Thinking ahead while also learning from past events. When something goes wrong in a bank, someone has to figure out how it happened, what was missed, and how to stop it happening again. You will develop a sharp eye for where processes, controls, and assumptions are weaker than they look. What You Will Do Review processes to spot gaps, inconsistencies, or assumptions that might not survive under pressure. Think through how new products or operational changes could introduce risk before they are launched. Investigate incidents — understand the sequence of events, why controls did not hold, and what needs to change. Research emerging risk topics and distil findings into clear, concise briefing notes for the team. What You Will Gain A practical ability to diagnose why things go wrong — a skill that is transferable across risk, audit, strategy, and operations. Experience thinking critically about processes, controls, and assumptions in a live institution. Strong foundations in structured writing, root cause analysis, and clear communication under uncertainty. Who We Are Looking For Undergraduate in Finance, Economics, Accounting, Business, Law, or a related discipline. Strong written English and sharp attention to detail — you notice when something does not add up. A natural investigator; you are not satisfied with knowing that something went wrong, you want to know why. Why Ryt Bank? Real work on live deliverables — not a training simulation. A collaborative, flat team where interns are expected to contribute, not just observe. Broad exposure to how a modern digital bank manages risk across multiple disciplines. Potential to convert to a full-time role for exceptional performers. Ryt Bank is a licensed Malaysian digital bank with a mandate to serve communities that have historically been underserved by the financial system. Our Risk function is lean, experienced, and scaling alongside the business — making this an internship with genuine scope and a meaningful mission. JR00000654 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1047,"slug":1048,"title":1049,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1050},63598,"senior-data-engineer-analytics-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Data Engineer, Analytics","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic a Senior Data Engineer, Analytics to bridge the gap between data engineering and analytics, focusing on building and maintaining scalable data models while enabling stakeholders to make data-driven decisions. You will be operating with a high level of autonomy, collaborating directly with product, business partners, and peer engineering teams to align on requirements and execute effectively in a fast-paced environment. You will work closely with experienced professionals, contribute to real-world projects, and develop essential skills for a successful career in the data engineering team. Our engineering team thrives on collaboration, innovation, and a shared commitment to excellence. You will also have the opportunity to implement robust data, mentor junior engineers, and contribute to a culture of continuous learning and technical excellence. If you're a passionate analytics engineer eager to make a difference, join us as we shape the future of technology together. Key Responsibilities: Design, implement and maintain robust data models to support analytics, dashboards, and self-serve tools Architect and develop high quality data assets for business, analytics and regulatory reporting use cases Collaborate with stakeholders to understand business requirements and translate them to technical solutions Establish data modelling best practices, tooling, documentation and testing methodologies - ensuring models are highly maintainable and scales with complexity Lead technical design discussions and contribute to data architecture decisions - spotting opportunities to reduce complexity and cost Lead, guide and mentor team members on best practices - You will review the designs and work of engineers on the team and set a high bar for quality. Qualifications: Strong passion for data modelling - SQL and data modelling are second nature to you Proven experience with dbt and modern data warehouse platforms (Snowflake, Redshift) - you are comfortable with general warehousing concepts Strong understanding of software engineering best practices and data engineering principles Experience implementing data quality monitoring and testing frameworks Ability to tackle complex problems from both technical and business perspectives Excellence in stakeholder communication and leading technical initiatives in a fast-paced environment Background in implementing metrics frameworks and data governance is a bonus Familiarity with AI\u002FML and their applications in analytics is a bonus Ability to think strategically about banking products \u002F operations and how our underlying data models will unlock more insights and value for our customers is a bonus Technology Stack We Use: Language: SQL, Python Orchestration: Airflow Transformation: dbt Warehousing: Greenplum Deployment: Docker, Kubernetes Impact & Growth Opportunities: Lead critical data modelling initiatives that power company-wide analytics Shape data engineering practices and tooling decisions Mentor and grow other team members' technical capabilities Drive adoption of modern data solutions Influence data architecture and governance strategies JR00000329 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1052,"slug":1053,"title":726,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":1054},63606,"fraud-monitoring-and-detection-specialist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Job Overview: As a Fraud Monitoring and Detection Analyst, you will be an integral part of our organization’s efforts to combat fraudulent activities. Your role will involve monitoring, detecting, and preventing fraud, ensuring compliance with regulations, and maintaining the integrity of our financial operations. Key Responsibilities: Collaborate with the team lead and fellow analysts to monitor and detect fraudulent activities. Allocate resources effectively to support team activities and enhance fraud detection capabilities. Implement quality assurance processes to ensure accuracy and reliability in fraud detection. Engage with stakeholders to communicate fraud-related issues and seek necessary support. Foster collaboration and communication within the team and across departments. Identify training needs and provide ongoing development opportunities for team members. Drive continuous improvement in fraud detection operations. Develop contingency plans for responding to fraud incidents or crises. Ensure compliance with relevant laws, regulations, and industry standards. Document suspected instances of fraud and prepare reports as required. Qualifications: Bachelor’s degree in a relevant field (e.g., finance, business, criminal justice). Previous experience in fraud monitoring and detection, with team management experience preferred. Strong analytical skills and attention to detail. Excellent communication and interpersonal abilities. Ability to thrive in a fast-paced environment and work on 24\u002F7 shifts. JR00000426 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1056,"slug":1057,"title":918,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":1058},63608,"risk-intern-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","About the Role Join the Risk team at Ryt Bank, a licensed Malaysian digital bank in active commercial operations. You will work alongside experienced risk professionals on real deliverables, gaining exposure to how risk is managed, measured, and communicated inside a fast-moving financial institution. We offer two tracks — choose the one that suits how you think. For the investigative thinker who asks why, not just what. Thinking ahead while also learning from past events. When something goes wrong in a bank, someone has to figure out how it happened, what was missed, and how to stop it happening again. You will develop a sharp eye for where processes, controls, and assumptions are weaker than they look. What You Will Do Review processes to spot gaps, inconsistencies, or assumptions that might not survive under pressure. Think through how new products or operational changes could introduce risk before they are launched. Investigate incidents — understand the sequence of events, why controls did not hold, and what needs to change. Research emerging risk topics and distil findings into clear, concise briefing notes for the team. What You Will Gain A practical ability to diagnose why things go wrong — a skill that is transferable across risk, audit, strategy, and operations. Experience thinking critically about processes, controls, and assumptions in a live institution. Strong foundations in structured writing, root cause analysis, and clear communication under uncertainty. Who We Are Looking For Undergraduate in Finance, Economics, Accounting, Business, Law, or a related discipline. Strong written English and sharp attention to detail — you notice when something does not add up. A natural investigator; you are not satisfied with knowing that something went wrong, you want to know why. Why Ryt Bank? Real work on live deliverables — not a training simulation. A collaborative, flat team where interns are expected to contribute, not just observe. Broad exposure to how a modern digital bank manages risk across multiple disciplines. Potential to convert to a full-time role for exceptional performers. Ryt Bank is a licensed Malaysian digital bank with a mandate to serve communities that have historically been underserved by the financial system. Our Risk function is lean, experienced, and scaling alongside the business — making this an internship with genuine scope and a meaningful mission. JR00000611 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1060,"slug":1061,"title":1062,"location":13,"raw_job_location_address_addressLocality":661,"raw_hiringOrganization_logo_url":13,"raw_description":1063},63612,"specialist-monitoring-and-detection-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Specialist, Monitoring and Detection","About the role: The Level 1 FRAML Analyst is responsible for the first-line review and investigation of alerts generated from fraud detection and AML transaction monitoring systems. The role also supports customer onboarding by reviewing cases that fail straight-through automated eKYC processing. This ensures timely identification of suspicious activities, risk mitigation, and compliance with regulatory requirements and internal policies. Key Responsibilities: Perform initial review and analysis of alerts generated from Fraud Detection and AML Transaction Monitoring systems. Investigate unusual or suspicious transactions, account behaviours, and customer activities, including but not limited to supporting NFP fund tracing and earmarking requests. Differentiate between genuine and suspicious activities using predefined rules, scenarios, and risk indicators. Escalate potential fraud cases or suspicious activities to Level 2 \u002F relevant investigation teams with proper documentation. Ensure all alerts are reviewed and closed within defined Service Level Agreements (SLAs). Document investigation findings clearly, accurately, and in accordance with internal SOPs and regulatory standards. Conduct customer due diligence checks, including reviewing customer profiles, transaction history, and risk ratings. Review onboarding cases that fail automated eKYC straight-through processing and conduct manual verification to ensure compliance with regulatory and internal requirements. Support in identifying emerging fraud trends, typologies, and AML risks. Key Requirements: A bachelor’s degree in any discipline. 1–3 years of experience in Fraud Detection, AML Transaction Monitoring, or Financial Crime operations (fresh graduates with relevant internship exposure may be considered). Basic understanding of AML regulations, fraud risk, and financial crime typologies. Strong analytical and problem-solving skills. Good written and verbal communication skills. Ability to work in a fast-paced, high-volume environment. Detail-oriented with a strong investigative mindset. Willingness to work on shifts. JR00000577 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1065,"slug":1066,"title":848,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":1067},63638,"relationship-manager-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","About the Team: Are you ready to be part of a transformative journey in digital banking? Join our vibrant team of visionaries and innovators as we redefine SME banking. Our team thrives on collaboration, innovation, and a shared commitment to excellence. We are passionate about delivering tailored financial solutions to small and medium-sized enterprises (SMEs) through cutting-edge digital platforms. This is your opportunity to shape the future of banking and make a meaningful impact. About the Role: We are seeking a dynamic and customer-focused Business Banking Relationship Manager to join our digital bank. In this role, you will be responsible for acquiring, managing, and growing relationships with SMEs, providing financial solutions through digital channels. You will work independently while also collaborating with cross-functional teams to deliver exceptional service and drive SME growth. Key Responsibilities: Identify and onboard new Business Banking clients through digital outreach, referrals, and partnerships. Manage a portfolio of Business Banking clients, ensuring high levels of satisfaction and retention. Conduct regular reviews to understand client needs and offer appropriate financial solutions. Promote the bank’s suite of Business Banking products. Utilize CRM and digital banking platforms to monitor client activity and engagement. Ensure all client interactions and transactions comply with regulatory and internal policies. Prepare regular reports on portfolio performance, client feedback, and market trends. Qualifications: Bachelor’s degree in Business, Finance, Economics, or related field. Minimum 1–2 years of experience in financial institutions, Fintech or Digital Banking. Strong understanding of SME financial needs and banking products\u002Fmicrofinancing. Familiarity with digital banking platforms and fintech solutions. Excellent communication, negotiation, and interpersonal skills. Ability to work independently and in a fast-paced, digital-first environment. What We Value: Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation. Curiosity for continuous learning and improvement. Benefits: Be part of a forward-thinking digital bank transforming Business Banking. Work with cutting-edge technology and innovative financial products. Enjoy a flexible, inclusive, and growth-oriented work culture. Contribute to the development of reliable systems that delight our Business Banking clients. Collaborate with a team of like-minded individuals to deliver exceptional products. JR00000625 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1069,"slug":1070,"title":959,"location":13,"raw_job_location_address_addressLocality":666,"raw_hiringOrganization_logo_url":13,"raw_description":1071},63643,"senior-data-scientist-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p-2","Position Overview We are seeking an exceptional Senior Data Scientist to drive product innovation through advanced analytics, experimentation, and machine learning. Embedded within cross-functional product teams, you will deliver measurable business impact by building and deploying solutions across fraud detection, credit decisioning, and user experience optimisation. You will own the full lifecycle – from designing experiments and developing models to production deployment and performance monitoring. This role demands both technical excellence and strategic thinking to identify high-impact opportunities and deliver data-driven results in a fast-paced fintech environment. Key Responsibilities Strategic Analytics & Product Innovation Design and implement advanced machine learning models for credit risk assessment, fraud detection, customer lifetime value prediction, and personalized product recommendations Partner with product teams to translate business challenges into data science solutions that drive measurable impact Build predictive models for customer churn, acquisition optimisation, and engagement strategies Develop scoring systems for loan decisioning and transaction monitoring Technical Leadership Lead end-to-end model development lifecycle from experimentation to production deployment Partner with engineering teams to design and deploy scalable ML pipelines using modern cloud infrastructure Establish best practices for model governance, monitoring, and validation Mentor junior data scientists and promote a culture of analytical excellence Business Impact Collaborate with stakeholders across Risk, Marketing, Product, and Engineering to identify opportunities for data-driven optimisation Communicate complex technical concepts and insights to non-technical executives through compelling data storytelling Design and analyze A\u002FB tests to measure feature impact and guide product decisions Required Qualifications Technical Expertise 5+ years of experience in data science, with at least 2 years in fintech, banking, or financial services Expert-level proficiency in Python and ML frameworks (Tensorflow, PyTorch, XGBoost) Strong foundation in statistical methods, hypothesis testing, and experimental design Production experience with SQL and working with large-scale datasets (terabytes+) Proven track record deploying and maintaining ML model pipelines in production environments Domain Knowledge Deep understanding of financial services concepts including credit risk, fraud patterns, regulatory compliance (KYC \u002F AML), and customer behaviour Experience with time-series forecasting, anomaly detection, and classification problems Familiarity with ML model explainability techniques (SHAP, LIME) and responsible AI practices Knowledge of model governance frameworks Business & Leadership Skills Outstanding problem-solving abilities with a product-minded approach Excellent communication skills with ability to influence key stakeholders Collaborative team player who thrives in fast-paced, agile environments Strong business acumen and ability to balance technical rigour with practical constraints Preferred Qualifications Experience with real-time ML systems and stream processing (Kafka, Spark Streaming) Knowledge of LLMs and generative AI applications in banking Experience with MLOps tools (MLflow, Kubeflow, SageMaker) Prior experience building recommendation engines or personalisation systems Growth Opportunities Shape the analytics culture and best practices across the organization Opportunity to influence product strategy through data-driven insights Career progression toward senior leadership roles in data and analytics JR00000443 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1073,"slug":1074,"title":1075,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1076},63659,"senior-frontend-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Frontend Engineer","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic Senior Frontend Engineer to join our dynamic Product Engineering team. As a Senior Software Engineer focusing on frontend development, you will work on building scalable mobile app mainly based on cross platform technology to power our innovative digital products. You will work independently, demonstrating resourcefulness while also embodying strong teamwork skills. Our engineering team thrives on collaboration, innovation, and a shared commitment to excellence. We develop a diverse range of engineering services, from specific product features to platform enhancements, catering to both organic users and those from existing ecosystems. You will also have the opportunity to influence architectural decisions, mentor junior engineers, and contribute to a culture of continuous learning and technical excellence. Key Responsibilities: Building scalable mobile app mainly based on cross platform technology Understand the rationale behind technical decisions Work closely with team members to achieve incremental milestones React Native focus Writing clean and testable code Follow and advocate to best coding practices Qualifications: Citizenship Requirement: Malaysians only (Got a MyKad? You’re our type!). Good understanding on React Native, JavaScript &Typescript concepts or any other functional programming paradigm Good understanding on reactive programming and API integrations Good understanding on state management concept will be a plus Curiosity for continuous learning and improvement Good ownership with the responsibilities assigned and deliverables At least 5+ years of experience in frontend development. Benefits: Help build the foundation of a scalable mobile app based on cross platform technology for our products, shaping the future of digital solutions in Malaysia. Contribute to the development of innovative and reliable systems that delight our users. Collaborate with a team of like-minded individuals to deliver exceptional products that create meaningful value for our customers. What We Value Open-mindedness and constructive communication, fostering an environment of mutual support and growth. Responsibility and ownership, with a strong sense of accountability. Commitment to teamwork and achieving shared goals. Customer focus and dedication to delivering results. A proactive approach to leading change and innovation. Technology Stack We Use Languages & Frameworks: React Native Programming Paradigms: Reactive Programming If you're ready to take the next step in your career and contribute to something extraordinary, we'd love to hear from you. Join us as we build the future together. JR00000307 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!",{"id":1078,"slug":1079,"title":1080,"location":13,"raw_job_location_address_addressLocality":13,"raw_hiringOrganization_logo_url":13,"raw_description":1081},49873,"senior-data-engineer-ytl-digital-bank-berhad-registration-no-202201037182-1482879-p","Senior Data Engineer","About the Role: Ryt Bank is seeking a highly motivated and enthusiastic Senior Data Engineer to join our dynamic Data Engineering team. As a Senior Data Engineer, you will work at the core of our engineering efforts, developing and optimizing scalable data infrastructure and pipelines, enabling efficient data processing and storage to power our innovative digital products. You will collaborate closely with cross-functional teams to design, build, and refine backend systems, ensuring they are efficient, secure, and capable of handling high-demand scenarios. Our engineering team thrives on collaboration, innovation, and a shared commitment to excellence. You will also have the opportunity to build distributed systems that communicate internally and externally, mentor junior engineers, and contribute to a culture of continuous learning and technical excellence. If you're a passionate data engineer eager to make a difference, join us as we shape the future of technology together. Key Responsibilities: To design, develop, and optimize scalable data infrastructure and pipelines, enabling efficient data processing and storage. Work independently, resourceful while also being a good team player. Building distributed systems that communicate internally and externally mainly based on REST and messaging. Assist with reviewing and interpreting business and technical requirements with a focus on data objectives of the product. Identify requirements and develop data delivery solutions. Implement company policies on data access and data distribution. Support members of various teams to determine database structural requirements by analysing their applications and client operations. Collaborate with highly talented engineers while striving to help them build their skills and achieve their career goals. Support data flow and ETL processes from end to end for projects and initiatives including troubleshooting of data issues, integrity checks, data model design, querying of data, and performance resulting from data issues. Assist in training over the data systems used by the company for the employees. Specifically, training programs for new hires on various reports and models available in the data visualization tools that are used. Analyse large data sets, some of them messy, to answer and solve real-world business problems while charting paths towards data cleanup and preventing data from becoming messy. Qualifications: Familiarity with financial and banking products Demonstrated skills in good software engineering practices. Building and shipping large-scale engineering products and\u002For infrastructure Scalable data architecture, fault-tolerant ETL, and monitoring data quality in the cloud (We use Alibaba Cloud) Collaborating with a diverse set of engineers, data scientists and product managers Deep expertise in data engineering and data processing at scale. Requires a focus on the development of pipelines for the creation of data lakes to enable exploration as well as machine learning model training, deployment and scoring at massive scale. Familiarity with data science techniques and frameworks The modern cloud stack combined with technologies such as Java and Python Benefits: Help build the foundation of a scalable data infrastructure and pipelines, enabling efficient data processing and storage, shaping the future of digital solutions in Malaysia. Contribute to the development of innovative and reliable systems that delight our users. Collaborate with a team of like-minded individuals to deliver exceptional products that create meaningful value for our customers. What We Value Collaboration: We believe in working together to achieve our goals. Innovation: We embrace new ideas and encourage creativity. Excellence: We strive for technical and operational excellence in everything we do. Customer Focus: We are dedicated to delivering exceptional value and experiences for our users. JR00000325 Hey Malaysia, we’re Ryt Bank—your first AI-powered digital bank! Formed by the consortium of YTL Digital Capital Sdn Bhd and Sea Limited, two of Southeast Asia’s leading innovators, we’re here to reshape banking in Malaysia. At Ryt Bank, we believe in empowering you with fast, easy, and secure financial solutions that are as inclusive as they are innovative. It’s not just about banking—it’s about your right to better banking. Operating under YTL Digital Bank Berhad [Reg. No. 202201037182 (1482879-P)], we are fully licensed by Bank Negara Malaysia and Ministry of Finance. Excited? The Ryt Bank app is launching soon. Get ready for a new era of banking—one that’s done right!"]