Compliance Officer & MLRO

AXG (Solowin Holdings); Hong Kong Island; On-site; HKD 600,000 - 1,000,000; Full time

Job summary

AXG (Solowin Holdings) in Hong Kong seeks an experienced Compliance Officer & MLRO to lead regulatory compliance, AML/CFT, and risk management. You will oversee due diligence for partners and internal reviews and serve as the primary contact for regulators and FIUs.

The role prioritizes payments industry knowledge, robust policy design, governance, training programs, and effective stakeholder management to foster a compliant, risk-aware culture across the organization.

Qualifications

• 4-5 years of experience in compliance, risk management, or AML in financial services or fintech.
• Minimum 2 years in a designated MLRO or senior compliance manager role.
• Strong knowledge of payments, cross-border payments, card issuing, acquiring and card network rules.
• Familiar with local AML/CFT frameworks (Hong Kong AMLO, HKMA guidelines).

Responsibilities

• Lead AML/CFT and sanctions management programs and reporting.
• Oversee KYB/EDD due diligence for partners and merchants.
• Conduct internal compliance reviews and update policies.
• Serve as regulatory liaison and manage examinations and license matters.
• Design and deliver compliance training across the organization.

Skills

AML/Regulatory Compliance

Risk Management

Internal Controls

Regulatory Liaison

Languages: English & Chinese

Education

CAMS certification

Job description

We are seeking an experienced and detail-oriented Compliance Officer & MLRO to lead our regulatory compliance, risk management, Anti-Money Laundering (AML), and Counter-Financing of Terrorism (CFT) frameworks. In this dual capacity, you will oversee compliance operations—including outbound/inbound partner due diligence and internal compliance reviews—and serve as the primary point of contact for regulatory bodies and financial intelligence units (FIUs).

Candidates with backgrounds in Fintech, Third-Party Payments, Card Issuing, Acquiring, or Card Schemes will be highly prioritized.

Key Responsibilities

1. AML/CFT & Sanctions Management

• Transaction Monitoring & Suspicious Reporting：Establish, refine, and optimize transaction monitoring rules; investigate alerts and file Suspicious Activity Reports (SARs/STRs) to relevant law enforcement agencies and FIUs (e.g., JFIU).
• Sanctions & PEP Screening：Maintain robust screening mechanisms for Sanctions (OFAC, UN, EU, etc.) and Politically Exposed Persons (PEPs) to mitigate financial crime risks.
• Enterprise Risk Assessment (EWRA)： Lead periodic enterprise-wide ML/TF risk assessments and continuously refine risk control strategies.
• Outbound Partner & Merchant DD: Establish and execute KYB/EDD frameworks for onboarding merchants, payment service providers (PSPs), third-party vendors, and strategic partners. Assess their regulatory standing and compliance posture.
• Inbound Partner DD & Reviews: Lead and manage all compliance queries, questionnaires, and audit requests initiated by partner banks, card networks, institutional clients and other partners during their due diligence on our organization.

3. Internal Compliance Review & Operational Governance

• Internal Compliance Reviews：Conduct pre-launch compliance risk assessments on internal workflows, product features, commercial models, and operational changes to balance innovation with regulatory requirements.
• Policy & Framework Design: Formulate, update, and maintain internal compliance policies, standard operating procedures (SOPs), and employee code of conduct in line with evolving legal requirements.
• Regulatory Liaison & Audits：Serve as the official contact for regulatory bodies; manage regulatory inspections, license applications/renewals, and external audits.

4. Compliance Culture & Training

• Design and deliver tailored AML/CFT and general compliance training programs across all business units to foster a strong compliance-first culture.

Key Requirements

1.Work Experience

• 4-5 years of professional experience in compliance, risk management, or AML within financial services, fintech, payment service providers (PSPs), or banking.
• 2 years in a designated MLRO or senior compliance manager role.
• Strong domain knowledge of Payments, Cross-Border Payments, Card Issuing, Acquiring, and Card Network Rules is strongly preferred.

3. Regulatory Knowledge

• Deep understanding of local AML/CFT legal frameworks (e.g., Hong Kong AMLO, HKMA guidelines, Singapore MAS PSA, or relevant regional payment regulations).

4. Professional Certifications

• Certified Anti-Money Laundering Specialist (CAMS), ICA, or equivalent compliance certifications are strongly preferred.

5.Languages & Soft Skills

• Excellent command of written and spoken English and Chinese.Exceptional skills in drafting compliance documents, interacting with regulators, and managing complex stakeholder relationships.