ROLE PURPOSE To support credit underwriting for corporate customers by conducting financial analysis, preparing credit proposals, and ensuring compliance with internal and regulatory guidelines. The role involves working closely with Relationship Managers and Credit Risk teams to facilitate sound credit decisions. KEY RESPONSIBILITIES Analyze financial statements (P&L, Balance Sheet, Cash Flows) and conduct ratio analysis, benchmarking, and industry analysis. Evaluate business models, management quality, market positioning, and repayment capacity. Assess creditworthiness of prospective and existing corporate clients. Prepare detailed credit appraisal memos for new and renewal proposals, incorporating qualitative and quantitative assessments. Recommend appropriate credit structures, pricing, and risk mitigants. Ensure completeness and accuracy of documentation for credit committee approvals. Ensure adherence to internal credit policy and regulatory guidelines. Coordinate with risk and compliance teams for approvals and reporting requirements. Support audits and inspections by providing required data and clarifications. Liaise with Relationship Managers, legal, operations, and other departments to facilitate credit processing. Participate in client meetings for discussions around credit needs and financial performance.
ROLE PURPOSE Under the direction of Head of Core Systems & Technology Operations, ITSM Team Lead will oversee and enhance ITSM processes, ensuring alignment with ITIL standards and organizational goals. The role involves strategic planning, process improvement, and managing ITSM tools to increase efficiency and customer satisfaction. KEY RESPONSIBILITIES Lead the implementation of a comprehensive ITSM tool, streamlining Request, Incident, Problem, Change, KEDB, Asset Management, and other ITIL processes. Document and enforce IT Service Management policies and processes in line with ISO 20000 standards. Increase process automation lifecycle efficiency to improve service request handling and customer satisfaction. Implement and manage Incident Management processes, ensuring timely resolution and minimizing impact on business operations. Analyse and optimize Change Management processes to reduce downtime and enhance system reliability. Execute process improvements to significantly enhance Help Desk operations, ensuring timely resolution of internal customer issues. Establish and maintain an Asset Management database, ensuring accurate tracking and lifecycle management of IT assets. Develop IT Business Continuity Plans and conduct Risk Assessments to enhance organizational resilience. Provide training and support to team members on ITSM tools and best practices. Monitor and report on Service Level Agreements (SLAs) to track the effectiveness of ITSM initiatives. Manage ITSM tool challenges and handle all configuration and workflow changes without third-party support. Focus on enhancing process automation, lifecycle efficiency, and approval models to boost customer satisfaction. Ensure compliance with OLA targets and maintain high qualitative standards.
ROLE PURPOSE The Senior Specialist will be responsible for ensuring AML knowledge to carry out responsibilities in accordance with local regulations and international standards and accountable for overseeing the AML/CFT Transaction Monitoring System (Jocata-STAR Module). The Specialist will conduct deep-dive investigations into alerts to determine if activities or behaviours are suspicious. The Specialist will contribute to ensuring of all activities align with the bank’s internal AML policies and procedures. KEY RESPONSIBILITIES 1. Transaction Monitoring Procedure & Daily Case Alerts Review and investigate AML alerts generated by the transaction monitoring system (TMS) on a daily and monthly basis, ensuring timely investigation and resolution. Ensure alerts are closed with proper investigation remarks and justifications if found any suspicious matter, inform VP in timely manner. Perform due diligence on transaction alerts and if found any suspicious matter, inform VP in timely manner. Conduct detailed reviews and investigations based on KYC information and Customer documentation. Identify and report Money Laundering (ML) and Terrorist Financing (TF) red flags. Monitoring on international remittance such as Western Union, Ria, Dee Money, MoneyGram etc. Maintain diligent follow-up procedures for each alert, ensuring all necessary actions are completed within established daily and monthly timelines. Perform in-depth investigations to determine if alerts indicate suspicious activities and behaviours. 2. Suspicious Transaction Report (STR) Preparation & Documentation Prepare and file Suspicious Transaction Reports (STRs/SARs) in accordance with legal and regulatory standards and all related supporting documents are correctly attached prior submission to MFIU. Collaborate with the Reporting Team during STR preparation and submission. Responsible for monitoring suspicious activity investigation on daily Threshold Transaction Report (TTR). Accountable and responsible for ensuring all STRs and supporting documentation are properly maintained and organized not only for audit and regulatory review but also maintain meticulous records of all investigations. Report findings and relevant information regarding TMS alerts to the manager in a timely manner. Gather supporting documentation and collaborate with branches as needed. Develop comprehensive narratives detailing suspicious activity, including justification for potential violations of financial regulations in some cases. 3. Rule Enhancement Supports and Team Collaboration Review and analyse alert trends regularly to identify recurring issues or patterns, with a comprehensive evaluation conducted quarterly to enhance detection strategies. Respobsible for supporting the enhancement of monitoring rules and detection parameters to improve the effectiveness of transaction monitoring system. Analyse financial transactions flagged by the transaction monitoring system for suspicious activity. Collaborate closely with team members to identify gaps, suggest improvements, and implement updates that align with regulatory requirements and internal policies. Generate detailed reports on daily alert activities and monthly summaries to support ongoing compliance and system effectiveness. On going monitor and promptly respond to alerts generated by the Transaction Monitoring System (TMS) on new a rule based, ensuring timely investigation and resolution. 4. System Issue Identification Responsible for support of resolving system issues that arise during transaction monitoring activities, any technical or functional issues during transaction reviews. Report Identifying and troubleshooting technical problems, coordinating with relevant team or VP for resolution. Accountable for maintaining system stability and functionality, that help ensure continuous and effective transaction surveillance, supporting the overall compliance. 5. Training Supports and Materials preparation Responsible for designing, developing and delivering training materials to ensure for branch compliance trainees are well-equipped with the necessary knowledge and skills. Assist in organizing training sessions, workshops, and onboarding programs, providing clear and engaging content. Collaborate with subject matter experts/VP to update training materials regularly, ensuring they reflect current processes, regulations, and best practices. 6. Documentation, Record-Keeping and Verification Responsible for keeping all reports, including TMS cases, STRs, SARs, and supporting documents, organized and easily accessible. Ensure with branches or other departments verify customer or transaction information when reviewing suspicious transactions. Ensure that all relevant reference documents are properly stored and referenced. 7. Coordination and Other Supports Liaise with related internal teams and other departments and/or branches for enquiries of KYC, CDD and ECDD information. Review that all steps outlined in the Standard Operating Procedure (SOP) are being adhered to by the relevant departments, to identify areas of improvement, and the process remains compliant with both internal standards and external regulations.
ROLE PURPOSE Vice President - Fraud Management is responsible for safeguarding the organization from fraud and online threats through strategic oversight, fraud detection frameworks, and collaboration with internal and external stakeholders. This role involves leading fraud risk strategies, shaping organizational fraud policies, and collaborating across departments to drive a culture of awareness and accountability. The Vice President leads the Fraud Investigation Unit, defines fraud risk policies, and ensures timely detection, prevention, and response to fraud incidents. By aligning fraud management strategies with organizational goals, this role ensures the protection of the bank’s assets, customers, and reputation. KEY RESPONSIBILITIES 1. Fraud Management Conduct routine to complex investigations across various operational areas, including internal conduct and fraud involving employees and third parties. Interview suspects and witnesses, gather comprehensive evidence, and prepare detailed investigative reports. Develop recommendations for improving processes, mitigating risks, and addressing policy/procedure violations regarding fraudulent activities. Establishing long-term fraud prevention goals and aligning them with the organization's broader risk strategy. Collaborate effectively with business units, legal, compliance, and law enforcement authorities. Ensure timely reporting of significant fraud incidents to senior management and regulatory authorities. Able to communicate with the regulator and law enforcement authorities when necessary. 2. Fraud Monitoring Develop and implement effective fraud detection strategies, tools, and systems to monitor transactions and identify suspicious activities. Collaborate with other stakeholders to identify vulnerabilities and recommend control improvements. Building relationships with regulator and law enforcement authorities for better collaboration. 3. Training & Awareness Develop and implement organization-wide fraud awareness training contents and execute training. Enhance investigative and monitoring skills of junior staff Promote a fraud risk culture by embedding awareness programs across business units.
ရိုးမဘဏ် Internship Program ဖြင့် သင့်ကိုယ်ပိုင်စွမ်းရည်တွေကို ဖော်ထုတ်လိုက်ပါ မြန်မာနိုင်ငံရဲ့ ထိပ်တန်းပုဂ္ဂလိကဘဏ်တစ်ခုဖြစ်တဲ့ ရိုးမဘဏ်က လူငယ်များကို စိတ်ဓာတ်ကြံ့ခိုင်ပြီး စွမ်းဆောင်ရည်ပြည့်ဝတဲ့ အနာဂတ်ခေါင်းဆောင်တွေအဖြစ် ပေါ်ပေါက်လာစေဖို့ အမြဲပံ့ပိုးကူညီပေးနေပါတယ်။ အခုဆိုရင် တက္ကသိုလ် ဒုတိယနှစ်ကနေ စပြီး ဘွဲ့ရပြီးသူတွေအထိ လျှောက်ထားနိုင်မယ့် Yoma Bank Internship Program ကို စီစဥ်ပေးနေပါပြီ။ ဒီအစီအစဉ်ကနေတစ်ဆင့် လူငယ်တွေအနေနဲ့ – ✅ လက်တွေ့အခြေခံလုပ်ငန်းခွင်အတွေ့အကြုံတွေ ရရှိနိုင်ခြင်း ✅ လုပ်ငန်း နယ်ပယ်အသီးသီးက ကျွမ်းကျင်သူတွေနဲ့အတူ လေ့လာသင်ယူနိုင်ခြင်း ✅ Corporate Culture နဲ့ လုပ်ငန်းခွင်ယဉ်ကျေးမှုကို နားလည်သဘောပေါက်နိုင်ခြင်းတွေသာမက ရိုးမဘဏ်ရဲ့ အမြဲတမ်းဝန်ထမ်းဖြစ်နိုင်မယ့် အခွင့်အလမ်းကိုပါရရှိနိုင်ချေရှိမှာဖြစ်ပါတယ်။ ဒါကြောင့် စိတ်ဝင်စားတဲ့လူငယ်တွေအနေနဲ့ [email protected] သို့ CV များ အခုပဲပေးပို့ပြီး အမြန်ဆုံး လာရောက်လျှောက်ထားလိုက်ပါ။ As one of Myanmar’s leading private banks, Yoma Bank is committed to empowering young talents and nurturing the next generation of resilient and capable future leaders. We are now launching the Yoma Bank Internship Program , open to university students (from second year onwards) and fresh graduates who are eager to gain real-world experience and build their professional future. Through this program, interns will have the opportunity to: ✅ Gain hands-on experience in a dynamic work environment ✅ Learn and collaborate with experienced professionals across different fields ✅ Understand Yoma Bank’s corporate culture and workplace values In addition, outstanding interns will have the chance to apply for permanent career opportunities at Yoma Bank. If you’re ready to grow your potential and start your career journey, send your CV to [email protected] and apply today!
ROLE PURPOSE We are looking for an experienced Senior Customer Care Specialist to provide excellent inbound and outbound call customer services with one stop personalize service, throughout Customer Care Center in which running an efficient and profitable manner, to increase customer satisfaction, loyalty, retention, growth and to meet their expectations during all inbound and outbound call service. JOB RESPONSIBILITIES Work 24/ 7 Effectively and efficiently in duty rotation plan at Customer Care Center. Provide one stop customer service to fast and convenient responsiveness on customer queries, requests and complaints in a timely and accurate, valid and complete information by using the right methods/tools during inbound and outbound 24/7 call service. Identify customer needs and help customers use excellent personalize service to get customer satisfaction during inbound and outbound call services Build sustainable relationships and trust with customers through open and interactive communication. Handle customer complaints, provide appropriate solutions and alternatives within the time limits and follow up to ensure resolution within service level agreement Take ownership of customers issues and complaints and follow problems through to resolution with great and excellent customer service response and the extra mile to engage customers Practice our core banking system databases with useful information about all related technical issues then resolve customer issues and complaints by effectively and efficiently Achieve Customer Care Center Smart Goals and KPI throughout Customer Care Specialist responsibilities and duties Gather customer feedback and share and discuss with Customer Care Champion Follow communication procedures, guidelines and policies and SOP and instruction of Customer Care Center Actively and participate training programs of Customer Care Center that deliver the outcome to customer service manner and well knowledgeable products information
ROLE PURPOSE The Site Reliability Engineer (SRE) role ensures the stability, scalability, reliability, security, and compliance of critical platforms and systems. Depending on the level, responsibilities include supporting or leading efforts in maintaining Kubernetes/microservices environments and core banking-related applications and platforms KEY RESPONSIBILITIES Focus: Own components or subsystems, improve automation, and contribute to reliability engineering Reliability & Ownership Take ownership of microservices platforms or specific core banking systems Drive incident response and lead root cause analysis for owned systems Proactively identify performance, reliability, and security bottlenecks Automation, Observability & Compliance Develop and maintain automation for deployments, scaling, and system recovery Enhance monitoring, alerting, and observability for critical services Ensure owned systems align with security controls, compliance frameworks, and audit requirements Collaboration & Best Practices Partner with developers to ensure production readiness, security, and compliance of new features Participate in design reviews, providing input on scalability, reliability, and security Mentor junior SREs in troubleshooting, automation, operational practices, and secure operations
ROLE PURPOSE The Specialist of credit documentation will primarily be responsible for verifying contracts and related documentation for accuracy and completeness before the disbursement of loans and making necessary updates in the core banking system. Additionally, this role involves ensuring that all loan processes are executed in accordance with established Standard Operating Procedures (SOP), also complying with the Bank’s Credit Policy regulations. KEY RESPONSIBILITIES Carefully examine loan applications and supporting documents to ensure they meet all necessary requirements and comply with bank policies. Verify loan specifications in the bank's core banking system (FBE). Verify the validity of collateral documents and ensure all necessary insurance premiums and other deductions are processed. Verify the executed contracts based on specific conditions and tenure approved by the authority. Follow up and monitor post loan disbursements conditions and escalation process for any overdue conditions. Work closely with other departments (e.g., Branches, Legal team, Business team) to ensure a smooth and efficient loan processing workflow. Other ad-hoc tasks as assigned by the Team Lead.
ROLE PURPOSE To provide inhouse Myanmar legal advice and services to the bank. To provide legal leadership on legal risks affecting the bank. To provide such advice, services and leadership predominantly from the business banking and procurement team within the legal department. JOB RESPONSIBILITIES Providing legal support and advice to the management and various divisions of the Bank on relevant legal issues; Ensuring compliance with internal controls, statutory regulations and other legal and regulatory formalities; Evaluating legal risks in the Bank’s business processes; Drafting, reviewing and negotiating complex legal documents, including various loan and security documentation and a variety of other contracts, statements and agreements; Communicating with third parties and external stakeholders of the Bank, including its investors and counterparts; Management and review of subordinate work product for compliance and quality purposes; Keeping up-to-date with any changes in all relevant areas of Myanmar law; and Providing ongoing training and coaching to the other members of the legal team.