Compliance Specialist – MLRO

Role Overview

• 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).
• Conduct enterprise-wide compliance and AML risk assessments tailored to products, channels, and customer types.
• Maintain a comprehensive regulatory reporting calendar covering:
• PPATK filings
• Bank Indonesia reports (payments, operations, incidents).

Requirements

• Bachelor’s degree in Law, Finance, Business, or related field.
• Minimum 4+ years of compliance/MLRO experience in financial services or payments.
• Strong knowledge of:
• Indonesian AML/CFT regulations (PPATK)
• Bank Indonesia payment regulations
• OJK governance and compliance expectations
• Experience acting as MLRO or equivalent regulatory-facing role.
• ICA / ACAMS or equivalent certification is mandatory. Relevant professional certifications (e.g., AAMLP, CRMP, or LSPP) are highly desirable.
• Proven ability to engage with regulators and manage inspections.
• Strong analytical, communication, and stakeholder management skills.
• Strong command of Bahasa Indonesia and English, both written and spoken.

Benefits

• Flexibility: we have flexible schedules and we are driven by performance.
• Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.
• Referral bonus program: our internal talents are the best recruiters
• refer someone ideal for a role and get rewarded.
• Learning & development: get access to a Premium Coursera subscription.
• Language classes: we provide free English, Spanish, or Portuguese classes.
• Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!
• dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back!