Associate Director, Non-Financial Risk & Compliance

TNG Digital Sdn Bhd; Kuala Lumpur; On-site; MYR 300,000 - 460,000; Full time

Job summary

TNG Digital Sdn Bhd is recruiting an Associate Director for Non-Financial Risk & Compliance in Kuala Lumpur. The role will lead the risk management framework for digital lending, ensuring adherence to regulatory requirements and embedding a strong risk culture across the organisation.

Key duties include overseeing AML/CFT controls, conducting risk assessments, and coordinating audits and regulatory interactions while guiding cross-functional teams to embed controls within lending processes.

Qualifications

• Bachelor’s degree or higher in Finance, Law, Business, Risk Management or related field.
• Proven experience in risk management, compliance, or audit within financial services/fintech.
• Strong knowledge of Malaysian regulatory frameworks (BNM, AML/CFT, PDPA).

Responsibilities

• Lead development and enhancement of the non-financial risk management framework for digital lending.
• Oversee compliance with Malaysian regulatory requirements and internal policies.
• Identify, assess, and monitor operational, regulatory, conduct, technology, fraud, and reputational risks.
• Provide advisory support to business teams on risk matters and informed decision-making.
• Drive RCSA, incident reporting, root cause analysis, and remediation tracking.
• Lead regulatory engagements, audits, and inspections; prepare regulator reports.

Skills

Risk management

Regulatory compliance

AML/CFT

Stakeholder management

Team leadership

Education

Bachelor’s degree in Finance/Law/Business/Risk Management

Master’s degree or professional certifications preferred

Job description

# Associate Director, *Non-Financial Risk & Compliance*Kuala Lumpur, MalaysiaPermanent#### Duties & Responsibilities* We are seeking an experienced Associate Director, Non-Financial Risk & Compliance to lead and strengthen the risk management and compliance framework within our digital lending business. This role is responsible for ensuring adherence to regulatory requirements, managing operational and conduct risks, and embedding a strong risk culture across the organisation. The incumbent will work closely with cross-functional teams to support sustainable growth while safeguarding the firm against non-financial risks.* Key Responsibilities* Lead the development, implementation, and continuous enhancement of the non-financial risk management framework for digital lending operations.* Oversee compliance with applicable Malaysian regulatory requirements (e.g., BNM guidelines, AML/CFT regulations, PDPA) and internal policies.* Identify, assess, and monitor key non-financial risks including operational, regulatory, conduct, technology, fraud, and reputational risks.* Provide advisory support to business teams on risk and compliance matters, ensuring risk-informed decision-making in product design and execution.* Drive risk and control self-assessments (RCSA), incident reporting, root cause analysis, and remediation tracking.* Establish and monitor Key Risk Indicators (KRIs) and ensure timely escalation of emerging risks.* Lead regulatory engagements, audits, and inspections, including preparation of reports and responses to regulators.* Oversee AML/CFT compliance, including transaction monitoring, suspicious transaction reporting (STR), and customer due diligence (CDD/KYC).* Collaborate with Legal, Technology, Product, and Operations teams to embed controls within digital lending processes and platforms.* Promote a strong risk and compliance culture through training, awareness programmes, and policy communication.* Manage and mentor a team of risk and compliance professionals.* Stay abreast of regulatory developments, fintech trends, and emerging risks, translating them into actionable business controls.#### Requirements* Bachelor’s degree in Finance, Law, Business, Risk Management, or a related discipline; Master’s degree or professional certifications (e.g., CAMS, FRM, ICA) preferred.* Minimum 8–12 years of relevant experience in risk management, compliance, or audit within financial services, with strong exposure to fintech or digital lending.* In-depth knowledge of Malaysian regulatory frameworks (BNM guidelines, AML/CFT, PDPA, fintech-related regulations).* Proven experience in managing non-financial risks such as operational risk, compliance risk, and conduct risk.* Strong understanding of digital lending products, credit processes, and fintech operating models.* Experience engaging with regulators and managing audits or regulatory inspections.* Strong analytical, problem-solving, and decision-making skills with a risk-based mindset.* Excellent stakeholder management and communication skills, with the ability to influence senior leadership.* Demonstrated leadership experience with the ability to build and manage high-performing teams.* High integrity, professionalism, and a proactive approach to risk management.