Financial Crime Risk Specialist(001754)

Sunrate Pte. Ltd.; Singapore; On-site; SGD 110,000 - 170,000; Full time

Job summary

Sunrate Pte. Ltd. in Singapore is seeking a Financial Crime Risk Specialist to review customer and transaction risk, investigate unusual activity, and support risk controls for our payment services and new products.

This hands‑on role requires strong analytical judgment, attention to detail and the ability to identify and escalate higher‑risk activity. You will conduct onboarding risk assessments, monitor activity, perform Enhanced Due Diligence, and collaborate with Product, Operations and

Qualifications

• University-level studies in Law, Business, Data Analytics, Risk Management or related discipline.
• Experience in AML/CFT, financial crime compliance, transaction monitoring, investigations, sanctions or payments.
• Working knowledge of Singapore AML/CFT requirements applicable to payment services.
• Experience with cross-border fund transfers.
• Strong analytical and investigative skills with well-documented risk decisions.
• ACAMS or ICA qualifications preferred.

Responsibilities

• Conduct customer risk assessments at onboarding, periodic review and on trigger events.
• Review business models, activity, source/destination of funds, counterparties and geographic exposure.
• Perform Enhanced Due Diligence and support risk acceptance or escalation decisions.
• Investigate transaction monitoring alerts and escalated activity.
• Document findings and escalate or clear activity.
• Provide financial crime risk input on new/amended products and transaction flows.
• Develop procedures, risk indicators and escalation standards.
• Support regulatory, internal audit and external audit requests.

Skills

AML/CFT

Investigations

Risk assessment

Data analytics

Attention to detail

Written and verbal English

Cross-border payments knowledge

Blockchain analytics familiarity

Education

University degree (Law, Business, Data Analytics, Risk Management)

ACAMS or ICA qualification

Tools

Chainalysis

Blockchain analytics tools

Job description

Sunrate is a leading global payment and treasury management platform for businesses worldwide. Founded in 2016, Sunrate has enabled companies to operate and scale both locally and globally in 190+ countries and regions with its cutting‑edge infrastructure, global network, and unified solutions.

Sunrate operates through offices across key markets, including Singapore, Kuala Lumpur, Jakarta, Hong Kong, Shanghai, and London. The company partners with the top global financial institutions, such as Citibank, Standard Chartered, J.P. Morgan. Sunrate is also the principal member of Mastercard and Visa.

Sunrate is building out its financial crime risk capability in Singapore across its payment services and new products. We are recruiting two Financial Crime Risk Specialists to review customer and transaction risk, investigate unusual activity, and support the design of risk controls for new and existing products.

This is a hands‑on risk and investigations role requiring strong analytical judgement, attention to detail and the ability to identify and escape higher‑risk activity.

What you’ll be spending your time on:

• Conduct customer risk assessments at onboarding, periodic review and on trigger events.
• Review business models, expected activity, source and destination of funds, counterparties and geographic exposure.
• Perform Enhanced Due Diligence and support risk acceptance or escalation decisions.
• Assess whether actual activity remains consistent with the customer’s stated profile.

Transaction Monitoring and Investigations

• Investigate transaction monitoring alerts and escalated activity.
• Analyse payment patterns, beneficiaries, counterparties and corridors to identify potential fraud, structuring, pass‑through activity or other financial crime indicators.
• Document findings and recommend clearing, restricting, rejecting or escalating activity.
• Escalate potentially suspicious activity for further investigation and consideration of regulatory reporting.

Sanctions and Financial Crime Support

• Support investigations arising from sanctions screening, transaction monitoring and other compliance alerts.
• Work with the Sanctions Screening team to support consistent escalation and decision‑making.

Digital Assets and DPT Risk

• Support financial crime risk assessments relating to digital asset and DPT products and use cases.
• Review DPT transaction, wallet and counterparty risks where applicable.
• Use blockchain analytics tools to support investigation and risk assessment of on‑chain activity.
• Monitor emerging digital asset financial crime typologies and support the development of appropriate risk indicators and controls.

Product and Risk Input

• Provide financial crime risk input on new and amended products, customer use cases and transaction flows before implementation.
• Work with Product, Operations and Business teams to identify and mitigate financial crime risks.
• Assess financial crime risks relating to relevant partners and third‑party service providers.
• Review emerging typologies and recommend changes to monitoring rules, risk indicators and escalation criteria.

Framework Support

• Help develop and maintain procedures, risk indicators, escalation standards and operational guidance.
• Support regulatory, internal audit and external audit requests within scope.

For this role you’ll also have:

• University level studies in Law, Business, Data Analytics, Risk Management or a related discipline.
• Relevant experience in AML/CFT, financial crime compliance, transaction monitoring, investigations, sanctions or payments.
• Working knowledge of Singapore AML/CFT requirements applicable to payment services.
• Working knowledge of information requirements applicable to cross-border fund and value transfers.
• Strong analytical and investigative skills, with sound and well‑documented risk decisions.
• High attention to detail and the ability to escape significant matters promptly.
• Strong written and verbal communication skills in English.
• Experience in a payment institution, bank, fintech, remittance business or other regulated financial institution.
• Experience with cross-border payment investigations or higher-risk payment corridors.
• Experience with blockchain analytics platforms such as Chainalysis or equivalent, or with digital asset risk assessment.
• Relevant professional qualifications such as ACAMS or ICA.
• Risk judgement: Identifies material risks and reaches proportionate, evidence‑based decisions.
• Investigative capability: Analyses complex customer and transaction activity.
• Accountability: Owns assigned reviews through to completion.
• Escalation discipline: Raises significant issues early and clearly.
• Adaptability: Works across existing and developing products in a changing environment.

Measures of Success

• Quality and timeliness of customer risk assessments, alert investigations and case completion.
• Quality of escalation decisions and investigation documentation.
• Contribution to improvements in monitoring and financial crime controls.
• Quality of new product risk input and identification of emerging risk patterns.