Compliance Officer

About Us

We are a global fintech company building the commercial infrastructure that helps AI, SaaS and digital businesses turn innovative products into scalable global revenue. Our unified platform brings together subscriptions, checkout, payments, compliance and revenue operations, helping teams launch faster, operate more efficiently and grow with less complexity.With deep expertise in fintech, digital payments and global commerce, our team spans North America, Asia and Europe. We value ownership, curiosity and practical problem-solving as we build the infrastructure powering the next generation of digital businesses.

Key Responsibilities

1. MAS Licensing & Regulatory Compliance

• As the Company will apply for a Major Payment Institution licence, the successful candidate will be required to participate in the Company's MPI licence application process, including any interview.
• Ensure ongoing compliance with all applicable laws and regulations under the Payment Services Act and the MPI licence.
• Serve as the primary liaison with MAS on compliance, operational risk, and regulatory matters.
• Prepare and submit all required regulatory returns, transaction reports, and incident notifications accurately and within deadlines.
• Maintain compliance frameworks aligned with the Payment Services Act and MAS requirements.
• Stay current with regulatory developments and implement necessary adjustments to internal policies and practices.

2. AML/CFT & KYC Programme Management

• Design, implement, and maintain the company’s AML/CFT and KYC framework, including Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), transaction monitoring, and sanctions screening.
• Act as the MLRO — identify, investigate, and report suspicious transactions to the appropriate authorities (STRO) in a timely manner, in line with legal and regulatory frameworks.
• Develop and maintain compliance policies, SOPs, and internal training programmes.
• Utilise financial and transactional data to detect anomalies and potential threats.

3. Operational Risk & Fraud Management

• Lead fraud prevention, detection, and response processes.
• Manage operational risk areas including fraud monitoring, disputes, chargebacks, and transaction anomalies.
• Support the evaluation and implementation of AML/KYC and fraud detection platforms.
• Coordinate risk response activities during system incidents or abnormal transaction events.

4. Technology Risk & Engineering Collaboration

• Work closely with engineering, product, and IT teams to embed compliance and risk controls into system design and workflows.
• Translate MAS requirements (including relevant FSM notices) into practical technical and operational requirements.
• Review architecture decisions relating to auditability, access controls, data segregation, reconciliation, infrastructure resilience, and security controls.
• Ensure systems support regulatory expectations including safeguarding/trust account reconciliation and operational uptime requirements.

5. Risk Assessment & Compliance Oversight

• Assess potential compliance and operational risks in business operations, new products, and proposals.
• Implement risk management strategies to mitigate identified risks and ensure continuous compliance.
• Advise business and product teams on compliance-by-design and risk-by-design principles.
• Review partnership agreements, operational processes, and marketing materials for regulatory and reputational risk.

6. Incident & Regulatory Response

• Establish and maintain incident response procedures for fraud events, compliance breaches, and suspicious activities.
• Conduct thorough investigations into suspected non-compliance and coordinate regulatory escalation.
• Support MAS incident reporting requirements, including severe IT incident notifications within regulatory timelines.
• Provide regular reporting on compliance and AML/CFT matters to the Board, including escalation of material issues.

7. Training, Audit & Stakeholder Management

• Develop and deliver training to educate employees on compliance requirements and company policies.
• Coordinate with internal and external auditors to facilitate compliance audits and follow through on recommendations.
• Maintain strong relationships with channel partners’ compliance teams to ensure alignment across operational channels.
• Collaborate with other departments and group/international entities to support group-wide compliance initiatives while ensuring controls are established at the Singapore entity level.

Qualifications and requirements

Required

• Bachelor’s degree in Law, Finance, Commerce, Business Administration, or a closely related field (Diploma with strong relevant experience considered).
• Minimum 5 years’ experience across compliance and operational risk within fintech, payments, banking, or other MAS-regulated environments.
• Deep understanding of Singapore’s financial regulations, the Payment Services Act, SPI/MPI licensing requirements, and AML/CFT regulations.
• Proven experience developing and implementing AML/KYC frameworks.
• Experience in regulatory reporting and liaising with MAS or other regulatory authorities.
• Must be legally permitted to work in Singapore.

Peferred

• Prior experience acting as a CO and MLRO, particularly for an MPI licence holder.
• Hands-on experience in fraud prevention, fraud investigations, and chargeback management.
• Good understanding of technology risk management and technical concepts including APIs, audit logs, access controls, MFA, and system infrastructure.
• Experience with fraud prevention and compliance platforms.
• Relevant certifications such as CAMS, CRISC, FRM, or CFE (CAMS highly desirable).

Skills & Attributes

• Ability to balance risk management requirements with commercial and business objectives.
• Strong stakeholder management and communication skills, with experience engaging regulators, senior management, and cross-functional teams.
• Detail-oriented with a pragmatic, commercially balanced approach to decision-making.
• Self-driven and adaptable, able to thrive in a fast-paced, evolving environment where processes continue to mature.