Job Description

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

1. 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.

2. 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.

3. 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