Compliance and Risk Manager

Eight Under Par (Pawnshop Operator), Inc.; Davao City; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

Eight Under Par (Pawnshop Operator), Inc. in Davao City seeks a Compliance and Risk Manager to develop, implement, and monitor the company’s compliance and risk programs. You will oversee AML/CTF, data privacy, internal controls, and regulatory reporting to protect assets and reputation.

The role requires evaluating regulatory changes, supervising staff, and providing timely management reports to support informed decision-making.

Qualifications

• Bachelor’s degree required in relevant fields.
• At least five years in regulatory compliance or risk management.
• Two+ years in supervisory or managerial roles preferred.
• Familiarity with SEC, AML/CTF, and data privacy regulations is preferred.

Responsibilities

• Ensures compliance with SEC & BIR, AML/CTF rules, data privacy and related regulations.
• Identifies and evaluates risks across lending operations and corporate functions.
• Analyzes delinquency trends and loan portfolio risks.
• Ensures timely regulatory submissions and licensing renewals.
• Maintains risk register and implements mitigating controls.
• Coordinates AML/CTF training for associates.

Skills

Regulatory compliance

Risk management

AML/CTF compliance

Data privacy

Internal controls

Regulatory reporting

Analysis and problem solving

Attention to detail

Communication skills

Leadership & supervision

Education

Bachelor’s degree in Accountancy, Finance, Business Administration and Legal Management

Job description

GENERAL RESPONSIBILITIES

The Compliance and Risk Manager is is responsible for developing, implementing, monitoring and maintaining the Company’s compliance and risk management programs to ensure adherence to applicable laws, regulations, regulatory requirements and internal policies.

The position oversees regulatory compliance, enterprise risk management, credit and operational risk monitoring, anti-money laundering and counter-terrorism financing (AML/CTF) compliance, data privacy compliance and the implementation of appropriate internal controls. The role identifies potential compliance issues and business risks, recommends corrective and preventive measures and provides management with timely reports and recommendations to support sound decision-making and protect the Company’s assets, reputation and business operations.

MINIMUM REQUIREMENTS

Education:

Bachelor’s degree in Accountancy, Finance, Business Administration and Legal Management

Related Work Experience:

• At least five (5) years of relevant experience in regulatory compliance, risk management, internal control, credit operations or financial services.

• At least two (2) years in a supervisory or managerial capacity is preferred.

• Familiarity with Securities and Exchange Commission (SEC) regulatory requirements, AML/CTF compliance and data privacy regulations is preferred.

Knowledge (knowledgeable in the following):

1. Knowledge of applicable Philippine laws and regulations governing financing and lending companies.
2. Familiarity with AML/CTF regulations and requirements, data privacy regulations, regulatory reporting and compliance & risk monitoring.
3. Understanding of risk management principles, credit risk analysis, operational risk and internal control systems.
4. Proficiency in preparing compliance reports, risk assessments, policies and procedures and management presentations.

Skills

1. Attention to details and ability to manage multiple compliance deadlines.
2. Strong analytical, critical thinking and problem solving skills
3. Strong organizational, documentation and reporting skills
4. With high degree of integrity, independence and confidentiality
5. Ability to identify, assess and prioritize business and regulatory risks.
6. Ability to interpret regulatory requirements and translates them into practical operating procedures
7. Ability to exercise sound judgment and escalates significant issues appropriately
8. Strong coordination, leadership and stakeholder management skills
9. Good written and verbal communication skills
10. Ability to work independently while collaborating effectively with management and operations & sales department

DUTIES AND RESPONSIBILITIES

1. Ensures compliance with SEC & BIR requirements, CIC reporting obligations, applicable AML/CTF rules, data privacy requirements and other relevant regulations.
2. Identifies and evaluates risks across the loan centers, lending operations, remedial, systems and corporate functions.
3. Analyzes delinquency trends, PAR movements, loan portfolio exposures and emerging borrower risks.
4. Ensures accurate and timely regulatory submissions, branch licensing, permit renewals and compliance documentation.
5. Oversees relevant compliance programs, customer due diligence controls, suspicious transaction escalation and personal data protection.
6. Coordinate with regulatory authorities, internal legal counsel and other relevant parties on compliance matters, regulatory inquiries and applications.
7. Maintain a risk registry in identifying key risks, their potential impact, likelihood of occurrence, existing control and proposed mitigating measures.
8. Coordinate AML/CTF training and awareness programs for all Palawan Credit associates.
9. Monitor compliance with data privacy commitments involving credit information providers, service providers and other authorized third parties.
10. Maintain accurate, complete and confidential records of compliance activities, risk assessments, findings and management actions.