Compliance Specialist

Paycools; Tangerang; On-site; IDR 180,000,000 - 300,000,000; Full time

Job summary

Paycools is seeking a Compliance Specialist with a minimum of 3 years’ experience in the Payments industry to ensure all company operations comply with Bank Indonesia regulations, PPATK, and applicable laws. You will manage licensing renewals, reporting, and regulator communications, develop, review, and update SOPs and compliance risk matrices, and identify risks in new product development.

The role oversees AML/CFT activities, monitors suspicious transactions, supports external audits, and

Qualifications

• Minimum 3 years in Compliance/Legal & Compliance in the Payments industry.
• Solid understanding of Bank Indonesia regulations and compliance requirements for Payment Service Providers (PJP) and PDP.
• Responsive and able to adapt to changes in payment system regulations.
• Effective communication skills to coordinate across divisions and interact with regulators.
• Detail-oriented and able to work independently to drive action plans.

Responsibilities

• Ensure operations comply with Bank Indonesia regulations, PPATK, and applicable laws.
• Manage licensing renewals, periodic reporting, and regulator communications.
• Develop, review, and update SOPs, internal policies, and compliance risk matrices.
• Identify potential regulatory risks in new product development.
• Oversee AML/CFT supervisory functions and monitor suspicious transactions.
• Coordinate external audits and regulatory inspections and track follow-up actions.

Skills

Compliance

Regulatory

Payments

BI Regulations

AML/CFT

PPATK

Job description

Compliance Specialist with a minimum of 3 years of experience in the Payments industry. Experienced in managing compliance requirements applicable to corporate payments, Bank Indonesia (BI) regulations, risk management compliance, and the implementation of AML/CFT principles (AML-CFT).

Key responsibilities

Ensure all company operations comply with Bank Indonesia (BI) regulations, the Financial Transaction Reports and Analysis Center (PPATK), and applicable laws and regulations.

Manage licensing renewals, periodic reporting, and official communications with the regulator (BI).

Assist the company in meeting ongoing BI compliance requirements.

Develop, review, and update SOPs, internal policies, and compliance risk matrices in accordance with payments industry regulations.

Identify potential legal/regulatory risks in new product development.

Oversee Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) supervisory functions.

Monitor suspicious transactions and prepare Suspicious Transaction Reports (STR) for reporting to the Financial Transaction Reports and Analysis Center (PPATK).

Serve as the main point of contact (PIC) in facilitating external audits and regulatory inspections.

Monitor and ensure the completion of follow-up actions (action plans) on audit findings.

About you

Minimum 3 years in Compliance/Legal & Compliance in the Payments industry.

Good understanding of Bank Indonesia regulations and compliance requirements applicable to Payment Service Providers (PJP), as well as the Personal Data Protection Law (PDP).

Responsive and quick to adapt to changes in payment system regulations and fast-paced industry dynamics.

Possesses effective and persuasive communication skills to coordinate across divisions and interact professionally with regulators.

Thinks critically in identifying compliance risks and providing practical solutions without disrupting smooth business operations.

Able to work independently, highly driven to complete compliance action plans, and is detail-oriented.

Domiciled in Tangerang (Preferred).