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.
