Regulatory Compliance Officer (MLRO)

dtcpay is a MAS licensed payment service provider that bridges traditional finance and digital assets.

We enable businesses to accept and make payments in both fiat and digital currencies, delivering secure, efficient, and seamless payment experiences across borders.

As we expand globally, we are shaping the future of digital payments.

We are also recognised as one of Singapore's Top 10 Startups in the Linked In Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team.

We are looking for a MLRO professional to support our regulatory and AML/CFT compliance functions.

You will assist in regulatory advisory, monitor evolving regulations, conduct gap assessments, and ensure compliance policies are effectively implemented across the organisation.

This role is suited for someone who is detail-oriented, proactive, and comfortable working in a regulated fintech environment.

What You Will Do

• Support Regulatory Compliance Head for oversight of Compliance related processes.
• Support with day-to-day regulatory advisory, including but not limited to overseeing customer due diligence process and AML/CFT framework.
• Identification of new/amended regulations which impacts the organisation.
• Conduct timely Gap Assessments where there are updates from respective regulatory bodies e. g SC/BNM.
• Liaise with respective stakeholders updating Compliance policies and processes to ensure gaps identified during gap assessments are closed whilst maintaining pragmatic application of regulatory requirements in business operation.
• Regulatory liaison with respective regulatory bodies.
• Support and manage regulatory inspections/examinations, where required.
• Maintain regulatory registers, and make necessary filings with the respective regulator(s), where required.
• Produce & file SAR/STR reports, where required.
• Proactively identify any scenarios which may present any significant risk to the organization and set risk controls and mitigation for such risks.
• Keep abreast to industry development as well as best practice in compliance.
• Act as the primary point of contact for the Independent Audit of the AML/CFT framework

What We Are Looking For

• Bachelor's Degree or above in Accounting, Finance, Business, Law, Economics or related fields.
• Min. 5 years of working experience in compliance related roles withat least 3 years in the Financial and Fintech Industry.
• Understanding of Financial Services Act (FSA) 2013and the Money Services Business Act (MSBA) 2011regulations and any applicable regulations in Malaysia affecting the payment, fintech, and cryptocurrency business.
• Preference for candidates with certifications from the Asian Institute of Chartered Bankers (AICB)or International Compliance Association (ICA).

Being a \"Certified AML/CFT Professional\" (MCAP) is a huge plus in the Malaysian market.

• Familiarity with BNM's FINNETsystem for STR/SAR filings and regulatory reporting.
• Knowledge in corresponding regulations under different countries and/or jurisdictions would be a strong plus.
• Excellent communication and business partnering skills and can collaborate effectively with multiple stakeholders.
• Excellent written and verbal communication skills (bilingual preferred - Mandarin/English/Malay).
• Excellent analytical and critical thinking skills.
• High ethical and integrity standards, self-driven, fast learning and independence are required.
• Competitive compensation and benefits packages
• Regional exposure and career growth opportunities
• Opportunity to work with a dynamic and innovative digital payments
• Exposure to cross-functional collaboration and involvement
• Mentorship and guidance from experienced professionals