Senior AML Governance & Risk Leader

Prudential Indonesia (PT Prudential Life Assurance); Jakarta Pusat; On-site; IDR 600,000,000 - 1,200,000,000; Full time

Job summary

Prudential Indonesia is seeking an experienced AML/Financial Crime Compliance leader to own policy design, risk assessments, and governance oversight across KYC/CDD, TM, and SAR/STR processes.

The role requires 7–10+ years in regulated financial services, professional certifications such as CAMS/ICA, and a proven track record of leading cross-functional teams with strict adherence to regulatory exams and audits.

Qualifications

• Bachelor’s degree in Law, Business, Finance, Risk, Economics, Criminology, or related field; postgraduate is a plus.
• Professional certifications strongly preferred: CAMS (ACAMS), ICA (AML/Financial Crime), CFE, or equivalent.
• 7–10+ years in AML/Financial Crime Compliance with governance/assurance responsibility in a regulated institution (banking, insurance, payments, fintech).
• Hands‑on experience with policy design, enterprise AML risk assessment, control testing, remediation management, and regulatory exams/audits.
• Exposure to sanctions governance, TM model governance/tuning, KYC/CDD lifecycle, SAR/STR processes, and data/reporting.
• Deep knowledge of AML/CTF laws and standards (e.g., risk‑based approach, CDD/EDD, PEP/sanctions, TM, SAR/STR, record‑keeping).
• Familiarity with governance frameworks, control libraries, three lines model, issues/risk management, and assurance methodologies.
• Understanding of AML technology (TM platforms, screening engines, case management, KYC utilities), data quality, and model risk concepts.
• Strong documentation skills (policies, procedures, RCSAs, MRAs/MRFIs responses) and MI/reporting for senior committees/board.
• Awareness of privacy, data protection, cybersecurity, and outsourcing/third‑party risk requirements as they intersect with AML.

Responsibilities

• Own and update AML/CTF policy, standards, and procedures; define decision rights, approvals, roles & responsibilities (RACI).
• Run governance forums/committees; maintain the AML control library and control taxonomy.
• Lead annual and ad‑hoc AML risk assessments; define methodology, inherent/residual risk scoring, and control effectiveness.
• Produce enterprise and business‑unit risk profiles with action plans and timelines.
• Oversee AML control design and effectiveness testing (KYC/CDD, EDD, PEP/sanctions screening, TM alert handling, SAR/STR).
• Track findings, agree remediation, validate closure, and report status to senior management/boards.
• Monitor regulatory changes; assess impact and drive timely implementation of new/changed requirements.
• Coordinate responses to regulators and external/internal audits; maintain exam‑ready artifacts and evidence trails.
• Govern sanctions/PEP/adverse media screening standards (lists, thresholds, match disposition, escalation, and reporting).
• Oversee tuning, effectiveness reviews, and periodic model validation (where applicable).
• Define TM governance: scenarios, thresholds, periodic tuning, QA and QC, backlog and timeliness SLAs.
• Ensure SAR/STR processes meet timeliness, quality, and confidentiality obligations.
• Govern onboarding, periodic/trigger reviews, EDD for high‑risk customers, beneficial ownership, and risk scoring.
• Oversee documentation standards, exceptions management, and data quality requirements.
• Embed AML requirements in vendor due diligence, contracts, and SLAs; oversee managed services performance.
• Review new products/changes (NPAC/NPPR) for AML risks; ensure controls are designed into processes and systems.
• Set data quality, lineage, retention, and access standards for AML; sponsor improvements to TM/screening/KYC platforms.
• Govern model documentation, tuning, back‑testing, and validation (including ML/AI use cases, where applicable).
• Define AML training curricula by role; track completion; run targeted refreshers based on incidents or regulatory changes.
• Promote speak‑up culture and ethical behavior aligned to AML obligations.
• Deliver MI/board packs on risk posture, alerts/volumes, backlogs, SAR/STR, QA/QC results, remediation, and regulatory change.
• Maintain a robust issues log with risk rating, owners, milestones, and verified closure.

Skills

AML governance

Policy design

Risk assessments

KYC/CDD

TM/SAR/STR

Education

Bachelor’s degree in Law/Finance/Risk or related field

CAMS/ICA/CFE or equivalent

Tools

KYC platforms

Screening engines

Case management systems

Job description

Prudential Indonesia is seeking an experienced AML/Financial Crime Compliance leader to own policy design, risk assessments, and governance oversight across KYC/CDD, TM, and SAR/STR processes.

The role requires 7–10+ years in regulated financial services, professional certifications such as CAMS/ICA, and a proven track record of leading cross-functional teams with strict adherence to regulatory exams and audits.