AML & Risk Control Specialist

Photon Dance Technology (Malaysia); Kuala Lumpur; On-site; MYR 90,000 - 180,000; Full time

Benefits offered by this job

Job summary

PhotonPay is seeking an AML Risk Control Specialist to lead end-to-end KYC programs, monitor daily payment activity, and handle suspicious alerts. You will implement AML/CFT policies aligned with BN Malaysia regulatory requirements, perform CDD/EDD, draft STRs, and coordinate with Bank Negara Malaysia.

Strong interpersonal and organizational skills are a must. The ideal candidate has a bachelor's degree or higher, 3+ years in AML in financial services, Mandarin proficiency, and solid English

Qualifications

• Bachelor’s degree or above with 3+ years in AML compliance or transaction monitoring.
• Experience in end-to-end transaction monitoring, CDD/EDD, STR reporting.
• Excellent Mandarin, good English; familiarity with BNM AMLA preferred.

Responsibilities

• AML Compliance Execution: implement AML/CFT policies per regulatory requirements.
• Transaction Monitoring & Alert Disposition: investigate alerts; perform CDD/EDD and periodic reviews.
• STR Reporting & Regulatory Liaison: draft STRs; liaise with Bank Negara Malaysia for inquiries and audits.
• Training & Framework Enhancement: conduct AML training; refine procedures and knowledge bases.

Skills

AML compliance

Transaction monitoring

CDD/EDD

STR reporting

Regulatory liaison

Mandarin (language)

English communication

Education

Bachelor's degree or above

Job description

PhotonPayis a leading financial technology platform for modern businesses growing beyond borders. With one of the world’s most powerful payments and banking infrastructure, our technology empowers businesses of all sizes to accept payments, move money globally, and simplify their financial operations, all in one single platform.Established in 2015, our missionis to connect entrepreneurs, business builders, makers and creators with opportunities in every corner of the world. Today, PhotonPay has a global footprint across Asia-Pacific, Europe, and North America.

The AML&Risk Control Specialist role at a our company involves executing end-to-end KYC, monitoring daily payment transactions and handling suspicious alerts. The ideal candidate will be a confident self-starter with strong interpersonal and organizational skills, good judgement, experienced in the relevant compliance and AML in payments or financial services industry.

Job Responsibilities

• 1）AML Compliance Execution: Implement and execute Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) policies, procedures, and operational guidelines in accordance with regulatory requirements to ensure full compliance across local business processes.
• 2）Transaction Monitoring & Alert Disposition: Investigate and dispose of transaction monitoring alerts; conduct Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and periodic reviews (RE-KYC) to identify and mitigate risks associated with high-risk customers and transactions.
• 3）STR Reporting & Regulatory Liaison: Draft and timely submit Suspicious Transaction Reports (STRs); liaise with Bank Negara Malaysia (BNM) for inquiries, audits, and thematic inspections, including preparing and submitting required regulatory documentation.
• 4）Training & Framework Enhancement: Conduct AML compliance training for local teams; refine localized operating procedures and knowledge bases; track local regulatory developments and drive updates to policies and workflows.

Requirements

Bachelor’s degree or above, with 3+ years of experience in AML compliance or transaction monitoring within financial institutions. Proficient in the end-to-end process of transaction monitoring, CDD/EDD, and STR reporting.

Familiarity with BNM regulatory requirements and the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act (AMLA) is preferred.

Excellent command of Mandarin (spoken, reading, and writing) is required to support Mandarin-speaking customers. Good English communication skills will be an added advantage.