COMPLIANCE OFFICER

JOB SUMMARY

FINEX.PH Lending Solutions Corp. is looking for an experienced, highly responsible, and detail-oriented Compliance Officer who will be responsible for monitoring and strengthening the Company's regulatory compliance framework and ensuring adherence to applicable Philippine laws, regulations, regulatory issuances, and internal policies governing lending operations.

The Compliance Officer will oversee and monitor the Company's compliance programs, with particular focus on Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), Know Your Customer (KYC), SEC regulatory requirements, lending regulations, data privacy, consumer protection, responsible lending, and internal compliance controls.

The role will work closely with Management, Legal, Credit Assessment, Client Relations, Operations, Collections, Finance, HR, IT, and the Company's Data Protection Officer (DPO) to identify compliance risks, implement appropriate controls, maintain regulatory documentation, and ensure timely corrective action when deficiencies are identified.

The ideal candidate is analytical, highly organized, independent, detail-oriented, and capable of translating regulatory requirements into practical policies, procedures, and operational controls.

KEY RESPONSIBILITIES

Regulatory Compliance

● Monitor the Company's compliance with applicable SEC rules, regulations, memorandum circulars, reportorial requirements, and other regulatory requirements applicable to lending companies.

● Maintain an updated understanding of regulatory developments affecting the Company's lending activities and business operations.

● Monitor new laws, regulations, circulars, advisories, and regulatory issuances and assess their impact on Company operations.

● Communicate material regulatory changes to Management and affected departments.

● Recommend and coordinate necessary changes to Company policies, procedures, documentation, systems, and operational practices.

● Maintain a comprehensive Regulatory Compliance Calendar covering required filings, submissions, renewals, certifications, registrations, and other regulatory deadlines.

● Monitor completion and timely submission of regulatory requirements and maintain supporting records and proof of filing.

● Ensure regulatory licenses, registrations, certificates, and corporate compliance records are properly maintained and monitored.

AML / CTF & KYC Compliance

● Implement, maintain, and periodically review the Company's AML/CTF and KYC Compliance Program, policies, procedures, and internal controls.

● Monitor implementation of Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), KYC, beneficial ownership identification, and ongoing customer monitoring requirements.

● Review higher-risk clients and transactions requiring enhanced compliance review.

● Monitor client onboarding and account documentation for compliance with AML/KYC requirements.

● Ensure appropriate customer risk classification and enhanced review of higher-risk relationships when required.

● Assist in the identification, escalation, investigation, documentation, and reporting of unusual or potentially suspicious activities in accordance with applicable requirements.

● Coordinate the preparation and submission of required AMLC reports, registrations, certifications, and regulatory documentation, as applicable.

● Ensure proper maintenance and retention of AML/KYC records and supporting documentation.

● Conduct periodic reviews of AML/KYC controls and recommend enhancements where necessary.

● Monitor compliance with internal AML escalation and reporting procedures.

● Maintain appropriate confidentiality regarding AML reviews, investigations, and regulatory reporting.

SEC & Lending Company Compliance

● Monitor compliance with regulatory requirements applicable to the Company's authority to operate as a lending company.

● Coordinate and monitor applicable SEC reportorial requirements, disclosures, certifications, and regulatory submissions.

● Review lending operations, documentation, disclosures, marketing practices, and procedures for regulatory compliance.

● Monitor compliance requirements relating to loan disclosures, interest and fee transparency, fair market conduct, responsible lending, and collection practices.

● Review proposed changes to loan products, processes, documentation, fees, or operational procedures from a regulatory compliance perspective.

● Maintain organized records of SEC filings, correspondence, approvals, licenses, permits, and other regulatory documentation.

● Coordinate with Legal and Management regarding SEC inquiries, notices, examinations, or regulatory matters.

Data Privacy & Information Protection

● Monitor the Company's compliance with the Data Privacy Act of 2012 (RA 10173), its Implementing Rules and Regulations, and applicable National Privacy Commission (NPC) issuances.

● Coordinate closely with the Company's Data Protection Officer (DPO) regarding privacy compliance requirements.

● Review the Company's collection, processing, storage, access, sharing, retention, and disposal of personal and sensitive personal information.

● Assist in maintaining and implementing privacy policies, consent forms, privacy notices, data processing procedures, and appropriate confidentiality controls.

● Coordinate with the DPO, IT, HR, Operations, Legal, and other departments regarding privacy and information-security concerns.

● Assist in privacy risk assessments, compliance checks, and investigation and documentation of potential privacy incidents or breaches.

● Monitor corrective actions arising from privacy assessments, incidents, audits, or regulatory findings.

● Promote proper handling and protection of borrower, employee, investor, and other confidential Company information.

Compliance Monitoring & Testing

● Develop and implement a risk-based compliance monitoring program covering key areas of the Company's operations.

● Conduct periodic compliance reviews of Credit Assessment, Client Relations/Sales, Loan Operations, Collections, Finance, HR, IT, and other relevant functions.

● Review lending, credit investigation, client onboarding, loan documentation, disbursement, collection, and account-servicing procedures for compliance.

● Conduct sample testing of transactions, borrower files, KYC records, disclosures, loan documentation, and operational processes.

● Identify regulatory gaps, policy violations, control weaknesses, and compliance deficiencies.

● Document findings and recommend appropriate corrective and preventive actions.

● Maintain a compliance findings and remediation tracker.

● Monitor corrective actions through completion and verify that identified deficiencies have been properly addressed.

● Escalate unresolved, recurring, or material compliance deficiencies to Management.

Policies, Procedures & Internal Controls

● Draft, review, update, and maintain compliance policies, manuals, procedures, checklists, controls, and monitoring tools.

● Assist departments in translating regulatory requirements into practical operational procedures.

● Review Company policies periodically to ensure continued alignment with regulatory requirements.

● Recommend improvements to systems and processes designed to reduce compliance and regulatory risk.

● Ensure appropriate documentation and audit trails are maintained for key compliance activities.

● Participate in the development or review of new operational policies that may have regulatory or compliance implications.

Collections & Market Conduct Compliance

● Review collection procedures and communications to ensure alignment with applicable regulations and Company policies.

● Monitor collection practices for appropriate treatment of borrowers and adherence to approved procedures.

● Review collection notices, templates, scripts, and escalation procedures from a compliance perspective when required.

● Identify and escalate potentially improper, unauthorized, misleading, or non-compliant collection practices.

● Coordinate with Collections, Legal, and Management regarding corrective action when compliance concerns are identified.

Regulatory Examinations, Audits & Inquiries

● Assist in preparing the Company for SEC, AMLC, NPC, external audit, internal audit, and other applicable regulatory examinations or inquiries.

● Coordinate the collection, review, and organization of documents requested during regulatory examinations or audits.

● Assist Management in preparing responses to regulatory inquiries, findings, observations, or requests for information.

● Maintain complete records of regulatory correspondence, examination findings, Management responses, commitments, and corrective actions.

● Track regulatory and audit findings until properly resolved and documented.

● Assist in ensuring that commitments made to regulators or auditors are completed within required timelines.

Compliance Training & Awareness

● Develop, coordinate, and conduct periodic employee compliance training and awareness programs covering areas such as:

○ AML/CTF

○ KYC, CDD, and EDD

○ Regulatory compliance

○ SEC requirements

○ Data privacy and confidentiality

○ Responsible lending

○ Consumer and market conduct

○ Fair and lawful collection practices

○ Internal compliance policies and procedures

● Ensure new employees receive appropriate compliance orientation.

● Conduct refresher training when regulatory requirements or Company policies materially change.

● Maintain records of compliance training, attendance, materials, assessments, and certifications where required.

● Promote a strong culture of compliance, accountability, confidentiality, and ethical conduct throughout the organization.

Reporting & Management Advisory

● Prepare regular Compliance Reports for Management covering regulatory developments, compliance findings, outstanding deficiencies, remediation status, upcoming regulatory deadlines, and significant compliance risks.

● Immediately escalate material regulatory breaches, suspected AML concerns, significant privacy incidents, or serious compliance deficiencies to appropriate Management.

● Provide practical compliance guidance to departments regarding new products, procedures, client situations, and operational concerns.

● Coordinate with Legal Counsel where regulatory matters require formal legal interpretation or advice.

● Provide Management with recommendations designed to strengthen the Company's overall compliance framework and regulatory readiness.

QUALIFICATIONS

● Bachelor's degree in Business Administration, Finance, Accountancy, Legal Management, Economics, or a related field.

● At least three (3) years of relevant experience in compliance, AML, audit, risk, banking, lending, financing, fintech, or financial services.

● Strong working knowledge of AMLA, AMLC requirements, KYC, CDD, EDD, transaction monitoring, and AML compliance procedures.

● Knowledge and practical experience with SEC regulations and reportorial requirements, preferably involving lending, financing, or other regulated financial-service companies.

● Working knowledge of the Data Privacy Act of 2012 (RA 10173) and applicable NPC requirements.

● Experience in compliance monitoring, testing, risk assessments, regulatory reporting, and internal controls.

● Understanding of lending operations, credit processes, loan documentation, collections, and financial-services compliance is strongly preferred.

● Experience dealing with regulatory examinations, audits, or regulatory inquiries is an advantage.

● Strong analytical, investigative, organizational, documentation, and report-writing skills.

● Excellent communication skills and the ability to work effectively across departments and with senior management.

● High level of integrity, independence, discretion, and professionalism.

● Ability to appropriately handle confidential, sensitive, financial, and customer information.

● AMLC certification or formal AML/CTF certification or training is preferred.

● SEC certification, accreditation, or relevant SEC regulatory/compliance training is preferred.

● Additional certification or formal training in Compliance, Risk Management, Data Privacy, Corporate Governance, or related regulatory fields is an advantage.

WHAT WE ARE LOOKING FOR

We are looking for a professional who demonstrates:

● Strong knowledge of regulatory compliance and AML/KYC controls.

● Exceptional attention to detail and documentation.

● High levels of integrity, accountability, independence, and professional judgment.

● The ability to identify compliance risks before they become regulatory problems.

● Strong analytical and investigative capabilities.

● The confidence to identify, document, and escalate compliance concerns when necessary.

● The ability to interpret regulatory requirements and translate them into practical operational procedures.

● Strong follow-through in monitoring corrective actions and regulatory deadlines.

● The ability to work collaboratively with Management and operational departments while maintaining the independence expected of a compliance function.

● A proactive approach to keeping the Company regulatory-ready, audit-ready, and compliant as it grows.

Join FINEX.PH Lending Solutions Corp. and play a key role in strengthening the Company's compliance framework, regulatory governance, and responsible growth as a Philippine lending company.

Pay: Php30,000.00 - Php45,000.00 per month

Benefits:

• Promotion to permanent employee

Work Location: In person