Compliance Specialist & MLRO – Indonesia Indonesia

Nodi; Indonesia; Hybrid; IDR 600,000,000 - 1,200,000,000; Full time

Benefits offered by this job

Flexible work arrangements

Fintech environment

Referral bonus program

Work From Anywhere

Job summary

dLocal is seeking a Compliance Specialist & MLRO to lead AML/CFT, regulatory compliance, and risk management in Indonesia & Asia. You will serve as MLRO, liaise with regulators, ensure licenses and submissions, and implement robust controls across products and channels.

The role involves collaboration with Product, Risk, Legal, and Operations, delivering training to embed a strong compliance culture across the organization.

Qualifications

• Bachelor’s degree in Law, Finance, Business, or related field.
• Minimum 4+ years of compliance/MLRO experience.
• Strong knowledge of Indonesian AML/CFT regulations (PPATK), Bank Indonesia, and OJK.
• ICA/ACAMS or equivalent certification is mandatory; other relevant certifications are desirable.
• Proven ability to engage regulators and manage inspections.
• Fluent in Bahasa Indonesia and English.

Responsibilities

• Act as designated compliance officer for Indonesian entities, ensuring adherence to regulations.
• Develop AML/CFT framework and oversee STRs, CDD/EDD, and sanctions screening.
• Maintain regulatory submissions, licensing updates, and reporting with regulators.
• Collaborate with product, risk, legal, and operations to embed controls in onboarding and transactions.
• Deliver AML/CFT and regulatory training and foster a strong compliance culture.

Skills

Regulatory compliance

AML/CFT expertise

Regulatory reporting

Stakeholder management

Bahasa Indonesia & English

Regulatory liaison

Education

Bachelor's degree

ICA/ACAMS certification

Job description

Why Join dLocal? dLocal is the financial infrastructure powering global commerce in the world's fastest-growing markets. The biggest companies in the world trust us to unlock growth in 60+ countries across emerging markets—moving money where others see complexity. We don't just process payments; we are architects of payment ecosystems and partners in our customers' expansion. You'll work alongside 1,300+ teammates from 40+ nationalities and tackle global challenges from day one.

What's the opportunity?

As part of our global expansion, we are seeking a Compliance Specialist & MLRO to lead AML/CFT, regulatory compliance, and risk management in Indonesia & Asia. This role will ensure full adherence to requirements set by Bank Indonesia, Otoritas Jasa Keuangan, and PPATK, while building a robust compliance culture aligned with global best practices.

What will I be doing?

Regulatory & Licensing Compliance

• Act as the designated compliance officer for Indonesian regulated entities, ensuring adherence to Bank Indonesia payment regulations and licensing conditions.
• Maintain ongoing compliance with OJK governance, risk management, and outsourcing requirements (if applicable).
• Serve as the primary liaison with regulators, including PPATK reporting obligations and Bank Indonesia supervisory engagement.
• Ensure regulatory submissions, licensing updates, and approvals are managed accurately and on time.

AML/CFT Oversight

• Develop and maintain AML/CFT frameworks aligned with Indonesian AML Law and PPATK regulations.
• Act as MLRO and ensure:
• Timely filing of Suspicious Transaction Reports (STRs) to PPATK
• Implementation of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
• Ongoing sanctions screening and name screening controls
• Ensure transaction monitoring systems are calibrated to detect:
• Structuring and layering risks
• Fraud and mule account behavior
• Conduct enterprise-wide compliance and AML risk assessments tailored to products, channels, and customer types.
• Establish a risk-based approach (RBA) as required by Indonesian regulators.
• Implement internal controls aligned with three lines of defense model.
• Ensure Board and senior management receive regular compliance and AML reporting.

Reporting & Regulatory Engagement

• Maintain a comprehensive regulatory reporting calendar covering:
• PPATK filings
• Bank Indonesia reports (payments, operations, incidents)
• Ensure audit readiness and regulatory inspection preparedness.
• Manage responses to regulatory queries, audits, and thematic reviews.

Internal Collaboration & Training

Partner with Product, Risk, Legal, and Operations teams to embed compliance controls into onboarding and transaction flows.

Deliver AML/CFT and regulatory training programs tailored to Indonesian requirements.

Promote a strong compliance culture across the organization.

What skills do I need?

Bachelor’s degree in Law, Finance, Business, or related field.

Minimum 4+ years of compliance/MLRO experience in financial services or payments.

Strong knowledge of:

• Indonesian AML/CFT regulations (PPATK)
• Bank Indonesia payment regulations
• OJK governance and compliance expectations
• Experience acting as MLRO or equivalent regulatory-facing role.

ICA / ACAMS or equivalent certification is mandatory. Relevant professional certifications (e.g., AAMLP, CRMP, or LSPP) are highly desirable.

Proven ability to engage with regulators and manage inspections.

Strong analytical, communication, and stakeholder management skills.

Strong command of Bahasa Indonesia and English, both written and spoken.

What do we offer?

• Flexibility in how you work: We focus on impact and productivity over fixed hours. This means our teams have flexible schedules and, depending on your role and location, you will combine self‑managed focus time with moments of in‑person connection in our collaboration hubs.
• Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.
• Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded.
• Work From Anywhere: Team members can work while traveling for up to 3 months every year.