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Compliance Specialist & MLRO – Indonesia

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Compliance Specialist & MLRO – Indonesia

dLocal · 3 years ago

Location
Indonesia
Work model
Remote
Job type
Full-time

Job description

Why Join dLocal?
dLocal is the financial infrastructure powering global commerce in the world's fastest-growing markets. The biggest companies in the world trust us to unlock growth in 60+ countries across emerging markets—moving money where others see complexity. We don't just process payments; we are architects of payment ecosystems and partners in our customers' expansion. You'll work alongside 1,300+ teammates from 40+ nationalities and tackle global challenges from day one.

 

What's the opportunity?
 
As part of our global expansion, we are seeking a Compliance Specialist & MLRO to lead AML/CFT, regulatory compliance, and risk management in Indonesia & Asia. This role will ensure full adherence to requirements set by Bank Indonesia, Otoritas Jasa Keuangan, and PPATK, while building a robust compliance culture aligned with global best practices.

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.

Eligible applicant locations: Indonesia.

How to apply

Applying is always free — we'll never ask you to pay for a job.

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