Senior Associate, Transaction Monitoring

YouTrip; Petaling Jaya; On-site; MYR 90,000 - 130,000; Full time

Job summary

YouTrip is seeking a Compliance Senior Associate (Lead) to guide the Transaction Monitoring team in Malaysia. Based in Petaling Jaya, you will oversee reviews, escalate issues, and ensure adherence to AML/CTF and regulatory requirements while driving team performance.

You will set quality controls, train new staff, report to Singapore-based TM lead, and collaborate with cross‑functional partners to safeguard customers and the company.

Qualifications

• 4–6 years of transaction monitoring in financial services.
• Experience with Singapore/Malaysia regulations a plus.
• Strong leadership and training abilities.

Responsibilities

• Lead the Transaction Monitoring team in Malaysia.
• Ensure compliance with AML/CTF regulations.
• Coach junior staff and review alerts for quality.
• Maintain KPI performance and SLA targets.
• Collaborate with other functions for end-to-end processes.

Skills

Transaction Monitoring

Compliance

Leadership

Quality Assurance

Regulatory Knowledge

Analytical Thinking

Communication

Job description

We Are:

YouTrip is at the forefront of Asia's financial revolution, defining the future of digital finance with its leading multi-currency payment platform. Launched in 2018, YouTrip has swiftly ascended as a powerhouse, orchestrating billions in transactions annually and securing the trust of millions. With innovative solutions like YouTrip for consumers and YouBiz for businesses, we offer unmatched financial ease and cost-effectiveness. Fresh off a successful US$50 million Series B funding round led by Lightspeed Venture, we're setting new benchmarks in the digital financial services sector.

At the heart of our mission is a commitment to eliminate financial borders across Asia, propelling us into the next wave of digital finance.

As the Compliance Senior Associate (Lead Role), you will be entrusted with a pivotal leadership role within the Transaction Monitoring (TM) team in Malaysia. You will act as the primary point of contact for all transaction monitoring activities, providing leadership, guidance, and strategic oversight of the team in Malaysia. This role involves driving the team’s performance, fostering a culture of compliance excellence, and ensuring that all transactions are thoroughly reviewed and flagged in accordance with regulatory requirements.

You will lead by example, promoting adherence to Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), and other financial crime compliance regulations, while guiding your team to effectively manage the risks associated with suspicious or unusual financial activities. The role demands both operational excellence and strong leadership skills to ensure the team is equipped to handle complex compliance challenges in an evolving regulatory landscape.

You Will:

• Manage overall Group level Quality as QC (“Quality Checker”). Assess alerts from junior staff who handled the first layer of review and ensure the quality of closures/escalations.


• Ensure the team follows strictly to the staff code of conduct.


• Manage the team’s KPI performance and ensure the SLAs of the company are met.


• Handle Group level Quality Assurance checks of the team’s reviewed alerts and ensure that the quality of reviews is maintained at high standard.


• Provide training to all New Employees to ensure a consistent level of quality.


• Collaborate with other key business functions to ensure a smooth end-to-end internal process to achieve customer satisfaction and safeguard the company’s and users’ interests.


• Act as the bridge between Level 1 team and Level 2 in Singapore.


• Perform any other ad-hoc compliance related duties.


• Ensure regular Management Reporting to the Transaction Monitoring team lead in Singapore.


• Act as the Subject Matter Expert for L1 Transaction Monitoring and Spearhead Alert Parameter Feedback/Tuning for L1 when applicable.


• Manage the Transaction Surveillance Function and act as the key contact person and subject matter expert.


• Review and assess alerts as required.

You Are:

• Compliance & Risk enthusiast – you have racked up at least 4 - 6 years of relevant transaction monitoring work experience ideally within the financial services or payment industry. Relevant knowledge on payments related regulations in Singapore and Malaysia will be a plus.


• Analytical & detail-oriented thinker – you possess excellent problem-solving skills with demonstrated experience in solving complex business with analytical thinking. You have the natural tendency to always focus on details and hate to miss out on specifics.


• Travel enthusiast – you are a passionate traveler and understand the psychology of traveler, in particular when it comes to overseas spending behavior and its associated risks.


• Fearless self-starter – you are not afraid to suggest and implement new initiatives to tackle complex business issues, as long as the rationale are logical and sound. You do not mind getting your hands dirty in order to get things done on a tight timeline.


• Passion to lead – True leadership is not about being born into a role, but about embracing the responsibility to lead by example. With unwavering dedication and a clear vision, you will inspire and guide your team to reach new heights, demonstrating that the passion to lead is cultivated through action, not title.


• Reliable – you take pride and ownership in your work.


• Critical Thinking – you possess critical thinking to assess independently, objectively, and accurately, with no assumptions.


• Strong Communicator – you understand that this is the key in management of a team.


• Do-er, and a fixer – you let your actions do the talking.