Compliance Specialist & MLRO – Indonesia

Act as the designated compliance officer for Indonesian regulated entities, ensuring adherence to Bank Indonesia payment regulations and licensing conditions.

Maintain ongoing compliance with OJK governance, risk management, and outsourcing requirements (if applicable).

Serve as the primary liaison with regulators, including PPATK reporting obligations and Bank Indonesia supervisory engagement.

Ensure regulatory submissions, licensing updates, and approvals are managed accurately and on time.

Develop and maintain AML/CFT frameworks aligned with Indonesian AML Law and PPATK regulations.

Act as MLRO and ensure:

Timely filing of Suspicious Transaction Reports (STRs) to PPATK

Implementation of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)

Ongoing sanctions screening and name screening controls

Ensure transaction monitoring systems are calibrated to detect:

Unusual transaction patterns

Structuring and layering risks

Fraud and mule account behavior

Conduct enterprise-wide compliance and AML risk assessments tailored to products, channels, and customer types.

Establish a risk-based approach (RBA) as required by Indonesian regulators.

Implement internal controls aligned with three lines of defense model.

Ensure Board and senior management receive regular compliance and AML reporting.

Maintain a comprehensive regulatory reporting calendar covering:

PPATK filings

Bank Indonesia reports (payments, operations, incidents)

Ensure audit readiness and regulatory inspection preparedness.

Manage responses to regulatory queries, audits, and thematic reviews.

Partner with Product, Risk, Legal, and Operations teams to embed compliance controls into onboarding and transaction flows.

Deliver AML/CFT and regulatory training programs tailored to Indonesian requirements.

Promote a strong compliance culture across the organization.