Compliance Specialist & MLRO – Indonesia

As part of our global expansion, we are seeking a Compliance Specialist & MLRO to lead AML/CFT, regulatory compliance, and risk management in Indonesia & Asia. This role will ensure full adherence to requirements set by Bank Indonesia, Otoritas Jasa Keuangan, and PPATK, while building a robust compliance culture aligned with global best practices.

Responsibilities

Act as the designated compliance officer for Indonesian regulated entities, ensuring adherence to Bank Indonesia payment regulations and licensing conditions; Maintain ongoing compliance with OJK governance, risk management, and outsourcing requirements (if applicable); Serve as the primary liaison with regulators, including PPATK reporting obligations and Bank Indonesia supervisory engagement; Ensure regulatory submissions, licensing updates, and approvals are managed accurately and on time; Develop and maintain AML/CFT frameworks aligned with Indonesian AML Law and PPATK regulations; Act as MLRO ensuring timely filing of Suspicious Transaction Reports (STRs), implementation of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD), and ongoing sanctions and name screening controls; Ensure transaction monitoring systems are calibrated to detect unusual transaction patterns, structuring and layering risks, and fraud and mule account behavior; Conduct enterprise-wide compliance and AML risk assessments tailored to products, channels, and customer types; Establish a risk-based approach (RBA) as required by Indonesian regulators; Implement internal controls aligned with three lines of defense model; Ensure Board and senior management receive regular compliance and AML reporting; Maintain a comprehensive regulatory reporting calendar covering PPATK filings and Bank Indonesia reports; Ensure audit readiness and regulatory inspection preparedness; Manage responses to regulatory queries, audits, and thematic reviews; Partner with Product, Risk, Legal, and Operations teams to embed compliance controls into onboarding and transaction flows; Deliver AML/CFT and regulatory training programs tailored to Indonesian requirements; Promote a strong compliance culture across the organization

Requirements

Bachelor’s degree in Law, Finance, Business, or related field; Minimum 4+ years of compliance/MLRO experience in financial services or payments; Strong knowledge of Indonesian AML/CFT regulations (PPATK), Bank Indonesia payment regulations, and OJK governance and compliance expectations; Experience acting as MLRO or equivalent regulatory-facing role; ICA / ACAMS or equivalent certification is mandatory; Proven ability to engage with regulators and manage inspections; Strong analytical, communication, and stakeholder management skills; Strong command of Bahasa Indonesia and English, both written and spoken

Nice to have

Relevant professional certifications (e.g., AAMLP, CRMP, or LSPP)

Benefits

Flexibility in how you work; Fintech industry; Referral bonus program; Work From Anywhere