Risk & Compliance Analyst (AML)

Bill Buddy SDN. BHD.; Kuala Lumpur; On-site; MYR 70,000 - 120,000; Full time

Job summary

Bill Buddy SDN. BHD. is building a Kuala Lumpur-based risk and compliance function within a Melbourne-headquartered fintech.

The role focuses on AML, regulatory controls, and cross-border payments, offering opportunities to deepen expertise in a fast-paced fintech environment. The analyst will conduct risk assessments, develop AML policies, and refine transaction monitoring while collaborating with product and front-line teams.

Qualifications

• Strong analytical and critical thinking skills.
• Fluent in English; another language is a plus.
• 1–3 years of AML/CTF, compliance, risk control, or onboarding experience.

Responsibilities

• Conduct independent risk assessments on data and documentation from frontline teams.
• Develop, review and enhance AML policies and procedures.
• Refine transaction monitoring frameworks using data insights and dispute trends.
• Manage disputes and chargeback cases across channels and coordinate with authorities as needed.
• Perform risk assessments for new products and initiatives and advise on mitigations.
• Partner with product and business teams to embed risk controls from the start.
• Support ad hoc projects and cross-functional initiatives.

Skills

Analytical thinking

Attention to detail

Regulatory knowledge

Education

Bachelor’s degree (Accounting & Finance)

Bachelor’s degree (Business)

Bachelor’s degree (Economics)

Bachelor’s degree (Law)

ACAMS certification

Job description

Bill Buddy is a Melbourne-headquartered fintech company, with our regional headquarters in Kuala Lumpur.

We specialise in prepaid card issuing and cross-border payment infrastructure, working closely with sponsor banks and upstream payment institutions across multiple jurisdictions to deliver scalable payment solutions.

Role Overview

We are looking for a detail-oriented and driven Risk & Compliance Analyst (AML) to join our Kuala Lumpur team.

This role is ideal for someone with 1–3 years of experience in AML or payments compliance who is keen to deepen their expertise in a fast-paced fintech environment.

Key Responsibilities

Conduct independent risk assessments on business data and documentation submitted by front-line teams.

Develop, review and enhance AML policies and procedures in line with our business model and risk appetite.

Continuously refine transaction monitoring frameworks using data analysis, monitoring insights, dispute trends and complaint reviews.

Manage disputes and chargeback cases across various channels, including coordinating with relevant authorities where required and escalating high-risk matters appropriately.

Perform risk assessments for new products, business initiatives and strategic projects, and recommend practical risk mitigation measures.

Partner with product and business teams to identify potential risks early and ensure appropriate control measures are embedded from the outset.

Support ad hoc projects and cross-functional initiatives.

Requirements

Demonstrates high ethical standards and integrity, with a clean criminal record.

Bachelor’s degree in Accounting & Finance, Business, Economics, Law, or an ACAMS certification.

1–3 years of experience in AML/CTF, compliance, risk control, or onboarding within financial institutions (e.g. cross-border payment providers, e-wallet companies, banks, fintech startups, etc).

Solid knowledge of regulatory requirements within the payments industry.

Strong analytical and critical thinking skills, with the ability to operate effectively in a fast-paced environment.

Fluent in English (written and spoken) is essential; proficiency in a second language is an advantage.