Compliance Analyst

Job Description

We are seeking a meticulous and proactive Compliance Officer to join our Regulatory Compliance team. In this critical role, you will be responsible for upholding our Major Payment Institution (MPI) licence obligations and ensuring adherence to all relevant MAS regulations in Singapore. You will play a key part in safeguarding the integrity of our financial services, focusing on transaction monitoring, regulatory reporting, and fostering a strong compliance culture across the business.

Key Responsibilities:

Transaction Monitoring & Regulatory Reporting:

. Conduct thorough surveillance of customer account activities and investigate alerts from monitoring systems.

. Perform detailed fact-finding and analysis on suspicious transactions to determine the necessity for Suspicious Transaction Reports (STRs).

. Prepare, file, and maintain meticulous records for all STR submissions, including documented decision rationale.

. Compile and deliver regular compliance reports to internal stakeholders.

Risk Assessment & Framework Management:

. Support the development, implementation, and maintenance of the Enterprise-Wide Risk Assessment (EWRA) framework.

. Perform periodic local compliance and AML/CFT risk assessments and ongoing monitoring.

. Identify, assess, and escalate potential compliance, privacy, and regulatory risks.

Regulatory & Stakeholder Liaison:

. Act as the primary compliance liaison between the business, operations, and legal teams, ensuring seamless customer onboarding and reviews.

. Manage regulatory returns and act as a key point of contact for MAS, external auditors, and banking partners on Singapore compliance matters.

. Lead or support investigations into suspected policy or regulatory violations.

Training & Culture:

. Develop and deliver targeted compliance training programmes.

. Monitor training completion and promote company-wide awareness of ethical standards, internal policies, and reporting mechanisms.

General Support:

. Assist with special projects and other aspects of the business as required.

Requirements:

Experience & Qualifications:

. Minimum A Level or Diploma a Bachelor's degree or professional compliance certification is a strong advantage.

. 3-5 years of relevant compliance experience within a bank or MAS-regulated financial institution (payments industry experience highly preferred).

. Proven experience in transaction monitoring, STR/SAR reporting, and ML/CFT risk assessment.

. Candidates with less experience but exceptional analytical and stakeholder management skills will be considered.

Knowledge & Skills:

. Knowledge of Singapore's regulatory landscape, particularly Payments Services Act requirements, AML/CFT, and KYC/CDD.

. Proficiency with regulatory reporting portals (e.g., SONAR, MASNET) and MS Office.

. Excellent analytical, problem-solving, and report-writing skills.

. Strong interpersonal and communication abilities, with proficiency in written and spoken English. Business Chinese and other languages are advantageous.

. Experience in a regional (especially Asian) multi-country compliance environment is a plus.

Personal Attributes:

. Meticulous, independent, and a proactive learner.

. A strong team player capable of managing multiple priorities effectively.

. Driven, with an aptitude for leadership and thriving in a dynamic start-up environment.

. Willing to be groomed into a senior/ leadership role