Malaysia BNPL Compliance Lead (Shariah & AML)

ByteDance; Kuala Lumpur; On-site; MYR 180,000 - 280,000; Full time

Job summary

ByteDance is seeking a Compliance Officer for Malaysia to establish and drive the regulatory function for our Credit Services and BNPL offerings. You will secure consumer credit licenses under CCOB/SKP, liaise with BNM, and oversee AML/CFT programs while ensuring Shariah-compliant financing structures.

The role requires deep regulatory expertise, strong stakeholder management, and ability to operate in a fast-paced fintech environment.

Qualifications

• 5+ years of regulatory and AML/CFT compliance experience within consumer lending, BNPL, credit service providers, or financial institutions in Malaysia.
• Deep expertise in Malaysian consumer credit regulations and AML/CFT requirements.
• Hands-on interfacing with local regulatory authorities (e.g., CCOB/SKP, BNM, MoF, KPKT).

Responsibilities

• Serve as the primary compliance officer for Malaysia consumer credit operations, ensuring adherence to the Consumer Credit Act, CCOB/SKP guidelines, and BNM policy documents.
• Oversee compliance requirements for Shariah-compliant consumer financing products in coordination with Shariah advisors.
• Develop and maintain comprehensive compliance programs, policies, SOPs, and training for BNPL activities including fair treatment of financial consumers.
• Manage end-to-end AML/CFT/CPF policy implementation, including eKYC, sanctions screening, and transaction monitoring.
• Manage day-to-day regulatory relationships and ensure timely regulatory reports and data returns.
• Provide strategic compliance advisory to product, business, and legal teams on new BNPL products and disclosures.

Skills

Regulatory AML/CFT experience

CCA/regulatory knowledge

Shariah financing knowledge

Regulatory engagement with authorities

Education

Bachelor’s Degree in Law, Business, Finance, or related

ICA/ACAMS certification

Job description

ByteDance is seeking a Compliance Officer for Malaysia to establish and drive the regulatory function for our Credit Services and BNPL offerings. You will secure consumer credit licenses under CCOB/SKP, liaise with BNM, and oversee AML/CFT programs while ensuring Shariah-compliant financing structures.

The role requires deep regulatory expertise, strong stakeholder management, and ability to operate in a fast-paced fintech environment.