Compliance Specialist & MLRO – Indonesia

What will I be doing?

Regulatory & Licensing Compliance

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.


AML/CFT Oversight

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


Risk & Governance

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.


Reporting & Regulatory Engagement

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.

Internal Collaboration & Training

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.

What skills do I need?

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.