Summary:
The Global Compliance Officer / MLRO will drive the design and execution of enhanced due diligence (EDD) strategies for high-risk clients across the payments and fintech business. This role requires deep expertise in global compliance and AML/CFT regulations, with proven experience managing high-risk clients, cross-border transactions, and sanctions exposure. The director will lead a global compliance team, establish scalable monitoring frameworks, and provide senior leadership with actionable risk assessments and strategic recommendations.
Key Responsibilities:
- Lead global enhanced due diligence (EDD) strategy for high-risk clients across the business, ensuring full compliance with AML/CFT regulations and global sanctions.
- Oversee verification of client identity, source of funds, and transaction flows across domestic and cross-border payment channels; identify unusual patterns, high-risk geographies, and potential illicit activity.
- Manage a global AML/CFT team, establishing scalable EDD frameworks, monitoring rules, and high-risk client approval processes.
- Provide senior leadership with risk assessments, suspicious activity reports (SARs/STRs), and strategic recommendations to mitigate exposure.
- Supervise ongoing monitoring, transaction alerts, and periodic high-risk client reviews, maintaining proactive global risk governance.
- Ensure compliance frameworks and AML policies are consistently updated in line with international regulations, FATF recommendations, and evolving regulatory requirements across jurisdictions.
Requirements:
- Bachelors degree or higher in Finance, Law, Accounting, or related field; CAMS/ACAMS or equivalent preferred.
- Min 10 years of AML/CFT or high-risk client due diligence experience.
- Deep understanding of payments, fintech platforms, and cross-border transaction compliance.
- Strong knowledge of international AML/CFT regulations, FATF guidelines, and sanctions frameworks.
- Hands-on experience developing and implementing compliance policies, AML procedures, and risk-based frameworks across multiple jurisdictions.
- Experience with high-risk clients in payments, fintech, or digital financial services preferred.
- Excellent strategic thinking, risk judgment, and cross-cultural leadership skills.
- Fluent in Mandarin & English to engage effectively with global internal stakeholders.
