Responsibilities
About the Team The Global Payments team of ByteDance provides payment solutions - including merchant acquiring, e-wallets, merchant financing, BNPL, and more - to ensure that our users have a smooth and secure payment experience across all of ByteDance's products and services, including TikTok and TikTok Shop. About the Role We are seeking an experienced APAC Money Laundering Reporting Officer (MLRO) to oversee and enhance the Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) framework across the Asia-Pacific region. The successful candidate will bring deep expertise across the APAC regulatory landscape - including MAS (Singapore), as well as key SEA markets (Philippines, Indonesia, Thailand, Vietnam, Indonesia) - and will have a demonstrable track record in both AML/CTF compliance and fraud prevention within the payments industry. They should be comfortable engaging with regulators and driving a mature financial crime compliance framework in a fast-paced, high-growth environment. Responsibilities: AML/CTF - Proactively assist the Head of AML&CTF (Global Payment) in identifying, assessing, and containing AML/CTF risks in the region. - Serve as the subject-matter expert on applicable AML laws, regulatory expectations, and compliance best practices across APAC jurisdictions. - Provide expert oversight and guidance to the AML Operations team on process design, escalation protocols, and the review of high‑complexity or high‑risk cases. - Develop, document, and execute regional and jurisdiction‑specific AML standards, ensuring alignment with global policy and local legal/regulatory requirements. - Monitor the execution of procedures and controls set out for ML/FT prevention, ensuring consistent application across APAC entities. - Assist Board, Senior Management Team and other related teams in ensuring that all recommendations or management actions from various audit reports and quality assurance are properly attended and followed up in a timely manner - Analyze comparative data, prepare and present reports related to AML risk assessments (eg. EWRA), and monitor AML related issues and escalations - Perform AML Compliance quality and testing, evaluate process deficiencies, analyze control measures, enhance reporting capabilities and recommend corrective actions while satisfying regulatory and audit commitments. Further, assess and identify emerging risks and recommend / drive program enhancements - Provide guidance on AML/CFT issues/matters to Board and Senior Management Team - Identify emerging AML/CTF risks across the region and drive programme enhancements accordingly - Monitor regional and global AML/CTF industry developments and ensure the business remains current on regulatory changes across APAC jurisdictions and manage the implementation of those regulatory changes Fraud Prevention & Reporting - Develop and maintain a regional fraud risk management framework, covering key typologies relevant to the payments and e-commerce ecosystem - including account takeover, synthetic identity fraud, mule accounts, phishing and scams, refund and chargeback abuse, merchant fraud, promotional abuse, and brush trading - Develop and maintain fraud management policies and procedures aligned with applicable regulations across APAC jurisdictions (e.g., MAS Notice PSN02, Bank of Thailand Payment Systems Act, PDPA equivalents) and industry best practices - Develop and maintain a regional fraud typologies library and ensure it is reflected in transaction monitoring scenarios, detection rules, staff training, and escalation frameworks - Support internal and external audit and regulatory inspections by providing required documentation, evidence, and subject matter expertise - Define and continuously refine fraud rules, detection scenarios, and alert thresholds aligned with the business's risk appetite and the regulatory expectations of each APAC jurisdiction - Work closely with risk, product, and technology teams to embed preventive fraud controls across the payments infrastructure - Own the end-to-end fraud reporting process across APAC, including the timely submission of Suspicious Transaction Reports (STRs) and Suspicious Activity Reports (SARs) to relevant regulatory authorities, ensuring quality, accuracy, and full regulatory compliance - Support jurisdiction-specific fraud incident reporting obligations to relevant central banks and financial regulators across the region (e.g., Central Fraud Registry (CFR) in Thailand, National Fraud Portal (NFP) in Malaysia and SIMO in Vietnam) - Act as the primary point of contact for law enforcement engagement across APAC jurisdictions, coordinating with relevant agencies on fraud cases, cybercrime investigations, data sharing, and legal requests (e.g., Technology Crime Suppression Division and Cyber Crime Investigation Bureau in Thailand Police SPF and CAD in Singapore and equivalent bodies across the region)
Qualifications
Minimum Qualifications - Demonstrated hands-on experience in fraud monitoring, cybercrime investigation, or financial crime management within a fintech, bank, payments institution, or law enforcement context - Proven ability to manage law enforcement requests, coordinate evidence submission, and navigate legal processes across multiple jurisdictions - Solid hands-on experience across the APAC region, with particular depth in Southeast Asia (Singapore, Indonesia, Thailand, Vietnam, Malaysia, or similar markets) - Strong working knowledge of MAS AML/CTF requirements, with familiarity across other key APAC regulatory frameworks - Proven track record in fraud prevention and fraud reporting, including SAR/STR filing and engagement with financial intelligence units or law enforcement - Experience conducting enterprise-wide risk assessments (EWRA) and developing AML/CTF compliance policies and procedures - Sound understanding of the payments ecosystem, including digital wallets, e-commerce, cross-border payments, and merchant acquiring Preferred Qualifications - Professional certification in AML/CTF (e.g. CAMS, ICA Diploma) and fraud (e.g. Certified Fraud Examiners) is a strong advantage - Familiarity with multi-jurisdictional licensing environments and the ability to navigate differing regulatory expectations across APAC - Experience with fraud monitoring systems, transaction monitoring platforms, and case management or investigation tools - Working knowledge of APAC regulatory requirements relating to fraud
