Risk Compliance AML/CFT

About The Role: We are seeking a highly strategic Risk Product Compliance Specialist (AML/CFT) to anchor our Governance Wing. As we elevate our regulatory standing to a PJP Type II license and transition into a Banking-as-a-Service (BaaS) model, this role is critical to ensuring our expanding product ecosystem operates within strict regulatory boundaries. The successful candidate will act as our internal regulator, embedding a "risk-by-default" culture into the Product Development Life Cycle (PDLC) and bridging strict Bank Indonesia (BI) and PPATK compliance with agile fintech innovation to guarantee zero regulatory findings.

Key Responsibilities

• PJP Type II & AML/CFT Governance
• Regulatory Adherence: Serve as the primary subject matter expert for AML/CFT regulations, ensuring all business operations, particularly the transition of balances to our BaaS partner, meet the stringent requirements of a PJP Type II license.
• Policy Framework: Partner with the Enterprise Risk Management (ERM) team to draft, formalize, and enforce foundational AML/CFT policies and Standard Operating Procedures (SOPs) across all departments.
• Product Compliance Integration
• PDLC Oversight: Actively participate in the Product Development Life Cycle, conducting compliance risk assessments for all new features before launch to ensure risk controls are embedded by default.
• Strategic Risk Initiatives: Oversee the compliance and regulatory viability of critical product security rollouts, including the implementation of FaceAuth and Device Binding, ensuring they meet both user experience goals and mandatory KYC/KYB regulatory standards.
• Regulatory Reporting & Audit Readiness
• Regulatory Liaison & Reporting: Manage the end-to-end Suspicious Transaction Report (STR) and Suspicious Activity Report (SAR) filing processes for PPATK. Maintain the "Banking Standard" of documentation required by our partner banks and regulators (BI/OJK).
• Audit Management: Maintain continuous audit readiness, coordinating with internal QA/QC and external auditors to demonstrate the efficacy of our compliance controls and ensure zero regulatory findings.

What We Look For

Experience Must-Have Qualifications

• Minimum 5+ years of experience in Compliance, AML/CFT, or Regulatory Affairs.
• Experience within FinTech, Digital Payments, or Traditional Banking environments.

Preferred Qualifications

• Direct experience managing or securing a Bank Indonesia PJP or Type II license.

Technical Skills

Must-Have Qualifications

• Proficiency in drafting comprehensive AML–CFT policy documentation.
• Experience developing compliance risk matrices.
• Ability to execute regulatory reporting, such as reporting to PPATK.

Preferred Qualifications

• Experience integrating compliance checkpoints directly into agile product management workflows (e.g., Jira, Confluence).

Domain Knowledge

Must-Have Qualifications

• Expert knowledge of Indonesian AML–CFT laws.
• Strong understanding of Bank Indonesia regulations related to payment systems.
• Familiarity with KYC/KYB standards and regulatory requirements.

Preferred Qualifications

• Knowledge of Philippines and Southeast Asia regional regulatory frameworks.

Soft Skills

Must-Have Qualifications

• Excellent stakeholder management skills.
• Ability to confidently advise Product and Engineering leaders.
• Capability to promote a risk-first compliance culture while maintaining innovation.

Preferred Qualifications

• Proven ability to build foundational compliance frameworks from the ground up.
• Comfortable working in a fast-paced, scaling environment.