AML Compliance Specialist

Kredit Pintar; Jakarta Pusat; Presencial; IDR 167.400.000 - 279.000.000; Jornada completa

Descripción de la vacante

Kredit Pintar is seeking an AML Compliance professional to strengthen the company’s risk management program. You will develop and maintain AML/CFT policies, oversee customer due diligence, and monitor suspicious activity using data-driven analysis.

The role requires 3+ years in AML or compliance in fintech, deep knowledge of OJK/PPATK rules, and strong Excel and optional SQL skills. Fluency in Indonesian and English with regulators and internal teams is essential.

Formación

• Bachelor's Degree in any field.
• Minimum 3 years of AML, risk management, or compliance in fintech/financial services.
• Sound knowledge of OJK and PPATK regulations and reporting requirements.
• Strong analytical and problem-solving skills with attention to detail.
• Good communication in Indonesian and English with stakeholders.
• Proficient in Excel; basic SQL knowledge is an advantage.
• Relevant risk management and AML certifications are preferred.

Responsabilidades

• Develop, maintain, and review AML/CFT/CPF policies and procedures.
• Oversee and enhance customer due diligence processes.
• Analyze customer profiles and transactions to identify unusual activity.
• Perform data processing and analysis to support monitoring and reporting.
• Prepare and present compliance reports, analytical findings, risk trends, and recommendations.
• Provide AML/CFT guidance to internal teams for regulatory adherence.
• Coordinate with regulators and auditors on compliance matters.
• Support audits by preparing documentation and addressing information requests.
• Contribute to continuous improvement of AML monitoring systems and controls.

Conocimientos

AML compliance

Risk management

Data analysis

Regulatory reporting

Stakeholder liaison

Excel

Educación

Bachelor's Degree

Herramientas

SQL

Microsoft Excel

Descripción del empleo

Kredit Pintar

Kredit Pintar is one of Indonesia’s leading digital lending platforms that is licensed, registered, and supervised by the Financial Services Authority (OJK). Kredit Pintar has over 10 million downloads and a 4.4-star rating on Google Play. Kredit Pintar is part of Atome Financial, a leading fintech company with extensive experience in consumer finance and promoting financial inclusivity through artificial intelligence technology.

We are committed to leveraging AI technology to improve the lives of Indonesia's underbanked communities by offering users fast, secure, and affordable loan options.

As part of the Advance Intelligence Group, a Series D company and ranked among LinkedIn's Top 15 Startups in Singapore in 2022 (the third year in a row we've been on the list), with over 2,000+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life—for our customers, colleagues, and communities.

Our culture is built on values that are core to who we are and what we stand for:

• We foster an INNOVATION mindset
• We achieve results with EFFICIENCY and EXCELLENCE
• We take pride in the QUALITY of our work
• We uphold INTEGRITY in all we do
• We embrace COLLABORATION to work across business lines and borders

Key Responsibilities

• Develop, maintain, and periodically review AML/CFT/CPF policies and procedures to ensure compliance with applicable regulations and industry standards.
• Oversee and enhance customer due diligence processes to ensure effective risk identification and mitigation.
• Analyze customer profiles, business activities, and transaction patterns to identify unusual or potentially suspicious activities and facilitate appropriate escalation and reporting.
• Perform data processing and analysis using Microsoft Excel or other relevant tools to support transaction monitoring, compliance reporting, and risk assessments.
• Prepare and present compliance reports, analytical findings, risk trends, and recommendations to management and relevant stakeholders.
• Provide AML/CFT compliance guidance and subject matter expertise to internal teams to support regulatory adherence and effective risk management.
• Coordinate with internal stakeholders, regulatory authorities, and external auditors on compliance matters, regulatory reporting, examinations, and audit activities.
• Support regulatory inspections and internal/external audits by preparing documentation, responding to information requests, explaining compliance controls, and following up on audit findings.
• Contribute to the continuous improvement of AML/CFT monitoring systems, internal controls, risk indicators, and regulatory reporting processes.

Requirements

• Bachelor's Degree in any field.
• Minimum 3 years of experience in an AML, risk management, or compliance role within the fintech 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 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.