Operations Specialist (Money Lending & Remittance)

Metagate Limited; Hong Kong Island; On-site; HKD 420,000 - 600,000; Full time

Job summary

Metagate Limited in Hong Kong is seeking an Operations Specialist to drive daily compliance, loan administration, and overall loan operations for our licensed Money Lender activities. You will ensure regulatory adherence under Cap.

163, manage CDD/KYC, and coordinate with cross-border teams in Sydney and Shenzhen. The ideal candidate has 2–5 years in banking or fintech, with experience in loan operations, AML/KYC, and loan documentation, and holds a relevant degree.

Qualifications

• 2–5 years of banking, money lending, licensed fintech/remittance, securities, accounting, or related financial services experience.
• Practical experience in HK loan operations, credit administration, AML/KYC review, or loan documentation.
• Bachelor's Degree or Higher Diploma in Law, Finance, Accounting, Business Administration, or related disciplines.
• Familiarity with Hong Kong Money Lenders Ordinance (Cap. 163) and regulatory standards.
• Native/Fluent Cantonese and professional English; Mandarin preferred for cross-border coordination.

Responsibilities

• Act as designated Fit and Proper Person under Cap. 163 and maintain compliance with regulators.
• Handle license renewal filings, declarations, and annual return submissions.
• Perform customer due diligence (CDD/KYC) and source-of-funds verification.
• Review loan applications, draft loan agreements, and ensure disclosure mandates.
• Oversee loan drawdown, repayments, collateral management, and credit monitoring.
• Coordinate with Sydney compliance team for final approvals and support cross-border remittance workflow.
• Maintain accurate documentation and audit trails for regulatory inspections.

Skills

Regulatory compliance

AML/KYC review

Loan operations

Credit administration

Loan documentation

Bilingual Cantonese/Mandarin

English proficiency

Education

Bachelor's degree or Higher Diploma in relevant fields

Job description

Operations Specialist (Money Lending & Remittance)

We are seeking a high-caliber professional to join our Hong Kong office to support our growing financial services operations. In this role, you will be designated as a key personnel fulfilling the "Fit and Proper Person" (適當人選) requirements under the Money Lenders Ordinance (Cap. 163) of Hong Kong. Your primary mandate will be driving the daily compliance, loan administration, and operational management of our newly acquired Hong Kong Money Lender License. Secondary responsibilities include supporting client onboarding, cross-border remittance workflow, and general HK office administration for our AUSTRAC-registered cross-border payment business. More on the company: https://metagate.au

Key responsibilities

Act as a designated "Fit and Proper Person" under Cap. 163; maintain operational standards aligned with requirements set by the Companies Registry (CR), Hong Kong Police Force (Licensing Office), and the Licensing Court.

Ensure strict compliance with the Money Lenders Ordinance (Cap. 163), Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615), and Guideline on Anti-Money Laundering and Counter-Financing of Terrorism.

Handle license renewal filings, statutory declarations, and annual return submissions to regulatory bodies.

Perform customer due diligence (CDD/KYC), source-of-funds verification, and risk assessment on corporate and individual borrower applicants.

Review loan applications, draft/examine loan agreements, mortgage/charge documentation, and ensure full compliance with interest rate caps and statutory disclosure mandates.

Oversee loan drawdown, principal/interest repayments, collateral management, and credit limit monitoring.

Monitor payment schedules, manage overdue loan collection workflows, and prepare delinquency reports.

Maintain statutory loan registers and clear audit trails for regulatory inspections.

Assist with document collection and preliminary KYC review for cross-border payment clients; coordinate with the Sydney compliance team for final account approvals.

Track payment progress, verify transaction instructions, assist with daily balance/reconciliation, and manage exception handling across HK, Sydney, and Shenzhen teams.

About you

Must be able to satisfy the "Fit and Proper Person" (適當人選) criteria under Section 11 of the Money Lenders Ordinance (Cap. 163) (e.g., clean criminal record, no undischarged bankruptcy, good financial standing, and sound business integrity).

2–5 years of working experience in banking, money lending, licensed fintech/remittance, securities, accounting, or professional financial services.

Practical experience in HK loan operations, credit administration, AML/KYC review, or loan documentation is highly preferred.

Bachelor's Degree or Higher Diploma in Law, Finance, Accounting, Business Administration, or related disciplines.

Familiarity with Hong Kong Money Lenders Ordinance (Cap. 163) and regulatory compliance standards.

Cantonese & Mandarin: Native/Fluent (essential for client communication, Police Licensing Office/CR inquiries, and team collaboration in HK/Shenzhen).

English: Professional working proficiency (oral & written, for documentation and collaboration with Sydney colleagues).

Must hold the legal right to work in Hong Kong.