Payment Compliance Manager

GoTo Financial; Jakarta Pusat; On-site; IDR 90,000,000 - 150,000,000; Full time

Job summary

GoTo Financial’s GoPay team in Indonesia is seeking a Payment Compliance Manager to guide regulatory reporting, liaison with Bank Indonesia, and ensure accurate, timely documentation of all obligations. You will lead regulatory engagements, advise stakeholders across Product, Legal, Risk, and Engineering, and drive end-to-end compliance for strategic payment products.

If you enjoy turning complex rules into actionable controls and building cross-functional alignment, this is your role.

Qualifications

• 5+ years in regulatory compliance, regulatory affairs, or related function in payments/fintech.
• Strong knowledge of Bank Indonesia regulations for payment systems, e-money, and PSPs.
• Hands-on experience engaging with regulators (preferably Bank Indonesia).
• Ability to translate complex regulatory requirements into practical guidance for multiple stakeholders.
• Strong regulatory judgment, problem-solving, and risk assessment skills.

Responsibilities

• Lead regulatory engagement with Bank Indonesia, including consultations, submissions, examinations, and follow-ups.
• Advise Product, Business, Legal, Risk, Engineering on regulatory implications of new products and initiatives.
• Drive end-to-end regulatory approvals and compliance assessments for strategic payment products.
• Interpret evolving Bank Indonesia regulations and translate into practical guidance, controls, and actions.
• Manage regulatory self-assessment, audit and remediation programs from findings to closure.
• Build cross-functional alignment with senior stakeholders and Bank Indonesia for consistent regulatory positioning.

Skills

Regulatory compliance

Bank Indonesia regulations

Stakeholder management

Regulatory submissions

Data interpretation

Education

Bachelor's degree in Law / Business / Finance

Job description

As a Payment Compliance Manager at Gopay, you’ll help ensure our regulatory reporting and communications with Bank Indonesia are accurate, timely, and well-documented. You’ll be the person who looks closely at the data, challenges inconsistencies, follows through on regulatory letters and invitations, and makes sure every required action is properly tracked and executed. You’ll work closely with Product, Finance, Data, and other teams to turn regulatory requirements into clear and reliable deliverables. If you enjoy working with data, spotting what others may miss, and taking ownership of issue identification through resolution, this role is for you!

What You Will Do

• Lead regulatory engagement with Bank Indonesia, including regulatory consultations, submissions, examinations, and follow-up on regulatory requests and findings.
• Advise Product, Business, Legal, Risk, and other main stakeholders of the company on the regulatory implications of new products, features, partnerships, and business initiatives.
• Drive end-to-end regulatory approval and compliance assessments for strategic payment products and initiatives, ensuring timely and well-supported regulatory decisions.
• Interpret evolving Bank Indonesia regulations and translate regulatory requirements into clear, practical guidance, controls, and actions for relevant stakeholders.
• Manage regulatory self assessment, audit and remediation programs, from assessing findings and identifying root causes to driving corrective actions and ensuring sustainable closure.
• Build strong cross-functional alignment and trusted relationships with senior stakeholders and Bank Indonesia to ensure consistent regulatory positioning and effective execution.

What You Will Need

• Have 5–10 years of experience in regulatory compliance, regulatory affairs, or a related function within the payment industry financial services, or fintech.
• Demonstrate strong knowledge of Bank Indonesia regulations, particularly regulations governing payment systems, payment service providers, e-money, payment gateway and related activities.
• Have hands‑on experience engaging with regulators, preferably Bank Indonesia, including regulatory consultations, submissions, examinations, or regulatory follow‑ups.
• Demonstrate the ability to translate complex regulatory requirements into clear, practical recommendations for Product, Business, Legal, Risk, Engineering, and other stakeholders.
• Have strong regulatory judgment and problem‑solving skills, with the ability to assess ambiguous requirements, identify risks, and recommend pragmatic solutions.
• Demonstrate strong stakeholder management and communication skills, with the confidence to influence senior stakeholders and constructively challenge business decisions when required.vvvv
• Have strong written and verbal communication skills in Bahasa Indonesia English, with a Bachelor’s degree in Law, Business, Finance, Economics, Communication, International Relationwe m or a related field.

About the Team

You’ll be part of the Payment Compliance team at Gopay, helping ensure GoPay operates responsibly and stays ahead of regulatory expectations in Indonesia’s fast‑evolving payment industry. We work closely with Bank Indonesia and teams across the business to turn regulatory requirements into accurate reporting, clear actions, and practical solutions—often solving complex questions where the data tells an important story.What makes this role exciting is the opportunity to see how regulation, data, and real payment products come together, while having a direct impact on how the business operates. If you enjoy digging into data, asking “does this really make sense?”, and turning findings into action, you’ll have plenty of room to make an impact here!

About GoTo Group

GoTo is the largest digital ecosystem in Indonesia. GoTo's mission is to 'empower progress' by offering technology infrastructure and solutions that help everyone to access and thrive in the digital economy.

The GoTo ecosystem provides a wide range of services, including mobility, delivery, payments, financial services, and technology solutions for merchants. The ecosystem also provides e-commerce services through Tokopedia and banking services through its partnership with Bank Jago.

About Gojek

Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.

About GoTo Financial

GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.