Senior Compliance Analyst (Banking & Partnerships)

Dtcpay; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

dtcpay is seeking a Senior Compliance Analyst to own compliance for banking relationships and strategic partnerships. You will handle DDQs/RFIs, coordinate onboarding responses, and ensure all third-party engagements meet MAS, BNM, SC AML/CFT requirements and PSA guidelines.

The role is fully on-site in Malaysia, reporting to the Compliance Manager and MLRO, with a focus on enhancing due diligence processes and risk management across fiat and digital asset activities.

Qualifications

• Bachelor’s degree or higher in a relevant field.
• 3+ years in compliance, risk, or onboarding in financial services.
• Experience with bank/partner due diligence (DDQs, RFIs, KYB).
• Solid AML/CFT knowledge for onboarding and monitoring.
• Strong organization and multi-tasking abilities.
• Excellent communication; bilingual Mandarin/English preferred.
• High ethical standards and quick adaptation.
• Strong analytical and critical thinking.

Responsibilities

• Act as the primary compliance contact for banking counterparts and manage onboarding responses.
• Maintain accurate records of submissions and correspondence.
• Ensure AML/CFT compliance for MAS, BNM, SC and PSA requirements.
• Own compliance documentation for commercial and strategic partnerships.
• Assess third-party risk and advise on proceeding or escalation.
• Support audits, reviews and regulatory inspections.

Skills

AML/CFT knowledge

Banking compliance

Risk assessment

Due diligence

Vendor management

Regulatory knowledge

Bilingual

Education

Bachelor's degree or higher in a relevant field

Tools

DDQ systems

KYB tools

Vendor risk platforms

Job description

dtcpay is a MAS-licensed payment service provider that bridges traditional finance and digital assets. We enable businesses to accept and make payments in both fiat and digital currencies, delivering secure, efficient and seamless payment experiences across borders. As we expand globally, we are shaping the future of digital payments.

We are also recognised as one of Singapore’s Top 10 Startups in the LinkedIn Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team.

About the Role

As Senior Compliance Analyst, you will own compliance for dtcpay’s banking relationships and strategic partnerships. You will complete bank and partner due diligence (DDQs and RFIs), act as the compliance contact for banking counterparts, and make sure every third-party engagement meets internal policies and applicable AML/CFT requirements, including those of MAS, BNM and SC. You will work closely with the Compliance Manager and MLRO in a business where fiat and digital assets meet.

Work Arrangement: Fully On-site

What You’ll Do

Banking Compliance

• Act as the primary compliance contact for banking counterparts, coordinating responses to onboarding forms, RFIs and due diligence questionnaires
• Support the onboarding and ongoing maintenance of new and existing banking relationships, keeping accurate records of submissions and correspondence
• Ensure banking engagements comply with applicable requirements, including AML/CFT guidelines issued by MAS, BNM and SC, and the Payment Services Act (PSA)

Partnership Compliance

• Own compliance documentation for commercial and strategic partnerships, including due diligence questionnaires and onboarding forms
• Assess third-party risk and recommend whether to proceed, strengthen controls or escalation
• Maintain up‑to‑date records of partner compliance status and support periodic reviews and audits

Compliance Alignment & Improvement

• Escalate key risk and compliance matters to the Compliance Manager or MLRO as appropriate
• Update internal SOPs, policies and documentation workflows related to third‑party engagements
• Support audits, reviews and regulatory inspections related to banking and partnership activities
• Contribute to internal projects that improve the efficiency of due diligence and onboarding, and support internal reporting on third‑party risk management

What We’re Looking For

• Bachelor’s degree or above in Business, Law, Accounting & Finance, Economics or a related field
• Minimum 3 years (4+ years preferred) of experience in compliance, risk or onboarding roles in financial services, fintech or payments
• Hands‑on experience with bank or partner due diligence, such as DDQs, RFIs, KYB, or third‑party or vendor risk assessment
• Good understanding of AML/CFT requirements, particularly for onboarding, risk assessment and ongoing monitoring of external counterparties
• Strong organisational skills, attention to detail, and the ability to manage multiple priorities independently
• Excellent written and verbal communication skills, with strong business‑partnering ability across internal teams and external stakeholders. Bilingual proficiency (e.g. Mandarin and English) is preferred
• High ethical standards, self‑driven, and quick to adapt in a fast‑paced environment
• Excellent analytical and critical thinking skills

Good to Have

• Professional certifications in AML/CFT (e.g. CAMS)
• Experience in the crypto, banking or fintech/payment industry
• Prior involvement in third‑party onboarding, transaction monitoring, or vendor risk management