Xendit

Southeast Asia payments platform for businesses

MLRO

Financial Crime & AMLConfirmed live in the last 24 hours

Full-timeBangkok, ThailandNo salary listedIn-person

About the Job

Requirements

A bachelor's degree in Law, Finance, Business, Risk Management, Compliance, or a related discipline is required.
At least 8 years of experience in anti-money laundering/counter-terrorism financing, financial crime compliance, or regulatory compliance within banks, payment service providers, fintech companies, or financial institutions is required.
Experience engaging directly with the Anti-Money Laundering Office or other financial regulators is required.
Strong knowledge of the Payment Systems Act, Anti-Money Laundering Office anti-money laundering/counter-terrorism financing requirements, sanctions obligations, and relevant international standards, including Financial Action Task Force recommendations, is required.
Strong regulatory judgment and a risk management mindset are required.
Stakeholder management and communication skills are required.
The ability to maintain commercial awareness while preserving regulatory independence is required.
The ability to work effectively in a fast-paced fintech environment is required.
High integrity and sound ethical standards are required.

Responsibilities

Act as the appointed Money Laundering Reporting Officer, maintain overall accountability for the anti-money laundering/counter-terrorism financing framework, and serve as a point of contact to the Anti-Money Laundering Office.
Develop, implement, and continuously enhance anti-money laundering/counter-terrorism financing, sanctions, fraud, and financial crime policies.
Perform enterprise-wide anti-money laundering/counter-terrorism financing risk assessments and ensure mitigating controls remain effective.
Lead regulatory inspections, audits, and information requests from the Anti-Money Laundering Office and other authorities.
Provide anti-money laundering/counter-terrorism financing advisory support for new products, including payment gateway, direct acquiring, payment orchestration, payouts, remittance where applicable, QR payments, and cross-border services.
Prepare anti-money laundering/counter-terrorism financing management information reports, key risk indicators, and Board and Management Committee reporting.
Lead remediation actions arising from audits, regulatory reviews, and internal assessments.
Develop and oversee anti-money laundering/counter-terrorism financing training programmes and foster a strong compliance culture.
Handle anti-money laundering reporting and support Bank of Thailand regulatory reporting.
Oversee customer due diligence, enhanced due diligence, ongoing monitoring, and customer risk rating.
Handle escalations from the Merchant Operations team regarding merchant onboarding.
Handle name-screening escalations from Level 1 analysts during real-time monitoring.
Handle escalations from Level 1 analysts during post-transaction monitoring.
Review suspicious transaction report investigations escalated from Level 1 analysts and prepare suspicious transaction reports and regulatory filings to the Anti-Money Laundering Office.
Govern customer and transaction sanctions screening, adverse media screening, and politically exposed person reviews.
Escalate material anti-money laundering/counter-terrorism financing issues directly to the Head of Compliance, senior management, and the Board; request information from all business units; require remediation of control weaknesses; and independently determine suspicious transaction report filing decisions in accordance with applicable laws and regulations.

Desired Qualifications

A professional certification such as Association of Certified Anti-Money Laundering Specialists, International Compliance Association, or equivalent is preferred.

Xendit is an enterprise payments platform powering complex financial operations across Southeast Asia and global markets. We provide a unified API layer combining payment processing, global payouts, localized FX, identity compliance, and fraud protection. As a trusted financial partner backed by top-tier global investors, Xendit processes high-throughput transaction flows for leading global platforms including Meta, Traveloka, ByteDance, Wise, and Grab, building resilient payment infrastructure to drive regional commerce forward.

Role Purpose

The MLRO is the appointed Anti-Money Laundering and Counter-Terrorism Financing (AML/CFT) officer responsible for the design, implementation and ongoing effectiveness of Xendit Thailand's AML/CFT, sanctions and financial crime compliance framework. The role acts as the primary liaison with the Anti-Money Laundering Office (AMLO), law enforcement agencies and other regulators e.g. Bank of Thailand (BOT).

Key Responsibilities

Country Office Responsibilities:

TH operations Responsibilities:

Act as the appointed MLRO and maintain overall accountability for the AML/CFT framework and a point of contact to AMLO.
Develop, implement and continuously enhance AML/CFT, sanctions, fraud and financial crime policies.
Perform enterprise-wide AML/CFT risk assessments and ensure mitigating controls remain effective.
Lead regulatory inspections, audits and information requests from AMLO and other authorities.
Provide AML/CFT advisory support for new products including payment gateway, direct acquiring, payment orchestration, payouts, remittance (where applicable), QR payments and cross-border services.
Prepare AML/CFT MI reports, KRIs and Board/Management Committee reporting.
Lead remediation actions arising from audits, regulatory reviews and internal assessments.
Develop & Oversight AML/CFT training programmes and foster a strong compliance culture.
Responsible for AML reporting & support BOT regulatory reporting.

Oversee Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), ongoing monitoring and customer risk rating.
Handle escalations from the Merchant Operations (MO) team regarding onboarding of merchants.
Handle name-screening escalations from L1 analysts during real-time monitoring.
Handle escalations from L1 analysts during post-transaction monitoring.
Review STR investigations escalated from L1 analysts and prepare Suspicious Transaction Reports (STRs) and regulatory filings to AMLO.
Govern sanctions screening (customer and transaction), adverse media screening, and PEP reviews.

Key Qualifications

Bachelor's degree in Law, Finance, Business, Risk Management, Compliance or related discipline.
At least 8 years' experience in AML/CFT, financial crime compliance or regulatory compliance within banks, payment service providers, fintech or financial institutions.
Experience engaging directly with AMLO or other financial regulators.
Strong knowledge of the Payment Systems Act, AMLO AML/CFT requirements, sanctions obligations and relevant international standards (FATF).
Professional certification such as ACAMS, ICA or equivalent is preferred.

Core Competencies

Strong regulatory judgement and risk management mindset.
Excellent stakeholder management and communication skills.
Commercially minded while maintaining regulatory independence.
Ability to work effectively in a fast-paced fintech environment.
High integrity and sound ethical standards.

Authority

The MLRO has authority to escalate material AML/CFT issues directly, Head of Compliance, senior management and the Board, request information from all business units, require remediation of AML/CFT control weaknesses, and independently determine STR filing decisions in accordance with applicable laws and regulations.

Key Regulatory References

Anti-Money Laundering Act B.E. 2542 (as amended)
Relevant AMLO Notifications
Bank of Thailand regulations applicable to Payment Service Providers
FATF Recommendations

Xendit

MLRO

About the Job

Requirements

Responsibilities

Desired Qualifications

Role Purpose

Key Responsibilities

Key Qualifications

Core Competencies

Authority

Key Regulatory References

About the Company

Xendit

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