What will I be doing?
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 OversightDevelop 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 & GovernanceConduct 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 EngagementMaintain 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 & TrainingPartner 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.
Skills Required
- 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)
- Experience acting as MLRO or equivalent regulatory-facing role
- ICA / ACAMS or equivalent certification
- Strong command of Bahasa Indonesia and English, both written and spoken
What We Do
dLocal started with one goal – to close the payments innovation gap between global enterprise companies, and customers in emerging economies. We have over 900 payment methods, in more than 40 countries. With the ability to accept local payment methods and facilitate cross-border fund settlement worldwide, our merchants reach billions of underserved consumers in the high-growth markets of Africa, Asia, and Latin America. dLocal offers the ideal payment solutions for global commerce: Payins: Accept local payment methods Payouts: Compliantly send funds cross-border Defense Suite: Manage fraud effectively dLocal for Platforms: Unify your platform’s payment solution Local Issuing: Localize payments for your gig-economy workers, suppliers, and partners
