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Daerah Khusus Ibukota Jakarta, Indonesia
Hybrid
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.
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)
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
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.
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.
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.
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.