AML/CFT Senior Specialist

Kredivo Group; Jakarta Pusat; Sur place; IDR 350 000 000 - 600 000 000; Plein temps

Résumé du poste

Kredivo Group in Jakarta, Indonesia is seeking an AML/CFT Senior Specialist to strengthen our compliance program across policies, due diligence, and regulatory reporting. You will collaborate with regulators, auditors, and internal teams to ensure robust controls and aligned practices.

The role requires a bachelor’s degree and at least three years in AML, risk, or compliance in financial services, with strong data analysis, Excel, and preferably SQL skills.

Qualifications

• Bachelor's degree in any field.
• Minimum 3 years in AML, risk, or compliance in banking/financial services.
• Knowledge of OJK and PPATK regulations for AML/CFT.
• Strong analytical and communication skills in Indonesian and English.
• Proficient data processing using Excel; SQL experience is a plus.
• Relevant risk management and AML certifications preferred.

Responsabilités

• Define and update AML/CFT/CPF policies per regulations.
• Develop due diligence processes for KYC/CDD/EDD.
• Monitor user and transaction data for unusual activity; escalate as needed.
• Prepare AML/CFT reports and management presentations.
• Provide guidance on AML/CFT matters to stakeholders.
• Coordinate regulatory examinations and audits.
• Support AML/CFT systems and monitoring parameters.
• Serve as primary contact with regulators and auditors.

Connaissances

AML

CFT

KYC/CDD/EDD

Data analysis

SQL basics

Stakeholder liaison

Excel

Formation

Bachelor's degree

Outils

SQL

Excel

Description du poste

Kredivo is one of Indonesia's leading digital credit platforms, serving millions of users across the region. As we grow, maintaining strong compliance and financial crime controls remains a core part of how we operate.

We're looking for an AML/CFT Senior Specialist to support and strengthen our AML, CFT, and CPF program, including policies and procedures, due diligence processes, transaction monitoring, and regulatory reporting. This role works closely with internal stakeholders as well as regulators and auditors to ensure our controls remain effective and aligned with applicable requirements.

About The Job :

• Define, implement, review, and update policies and procedures related to Anti-Money Laundering (AML), Counter-Terrorism Financing (CFT), and Counter-Proliferation Financing of Weapons of Mass Destruction (CPF), in accordance with applicable regulatory requirements and industry best practices.
• Develop, review, and continuously improve due diligence processes for users and partners to ensure compliance with Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) requirements.
• Monitor and analyze business processes, user profiles, and transaction data to identify unusual or suspicious activities and support appropriate escalation, investigation, and reporting.
• Perform basic data processing and analysis using relevant tools (e.g., Microsoft Excel or similar tools) to support regulatory reporting, AML/CFT monitoring, management reporting, and ad-hoc analysis.
• Prepare clear and structured reports, data presentations, and analytical materials to communicate AML/CFT findings, trends, risks, and recommendations to management and relevant stakeholders.
• Act as a subject matter resource by providing guidance, knowledge, and recommendations on AML/CFT matters to relevant internal stakeholders.
• Serve as a key point of contact for internal and external stakeholders, including regulators and external auditors, in relation to AML/CFT compliance, regulatory reporting, examinations, and audit processes.
• Coordinate and support regulatory examinations and external/internal audits, including preparing required data and supporting documents, presenting and explaining relevant processes and controls, responding to inquiries, and following up on findings or recommendations.
• Support the implementation and continuous improvement of AML/CFT systems, controls, monitoring parameters, and reporting processes.

About You :

• Bachelor's Degree in any fields.
• Minimum 3 years of experience in an AML or risk management or compliance role, within the banking or financial services industry.
• Sound knowledge of OJK and PPATK regulations and reporting requirements regarding AML, CFT, and PPPSPM.
• Strong analytical and problem-solving skills with an attention to detail and the ability to identify risks and translate data into meaningful insights.
• Good communication, both in Indonesian and English, and interpersonal skills to liaise with stakeholders at all levels.
• Proficient in basic data processing and analysis, particularly using Microsoft Excel (e.g., PivotTables, lookup functions, data reconciliation, and basic data analysis). Working knowledge of SQL or other data analytics tools is an advantage.
• Relevant certifications or training in risk management and AML are preferred.