Head of Compliance & MLRO, Singapore (MPI)

Nodi; Singapore; Sur place; SGD 180 000 - 260 000; Plein temps

Résumé du poste

dLocal Singapore is seeking the Head of Compliance & MLRO to assume full regulatory accountability for the local entity. You will shape the compliance strategy, oversee AML/CFT controls, and act as the point of contact with MAS and the Board.

You will lead engagements with regional and global Compliance, Legal, Risk and Technology leadership, ensuring responsible scaling of the licensed payments business while stopping launches when standards are not met.

Qualifications

• 10+ years of progressive compliance leadership in payments, banking or fintech.
• Full accountability for a MAS-regulated entity.
• End-to-end ownership of compliance and financial-crime controls.
• Deep knowledge of Payment Services Act, MAS Notices and AML/CFT requirements.
• Experience as Compliance Officer and/or MLRO with MAS engagement.

Responsabilités

• Own the Singapore compliance strategy and risk-based framework.
• Interpret laws; translate into policy, controls and accountabilities.
• Manage regulatory obligations inventory, licence perimeter and change programme.
• Approve implementation plans and sign off readiness for launches.
• Hold final authority on new products and high-risk changes.
• Direct AML/CFT/CPF programme, including STR decisions.
• Oversee Group AML operations with independent accountability.
• Set risk appetite for onboarding and sanctions exposure.
• Lead MAS relationship, examinations and submissions.
• Report to Board on risk, changes and breaches.

Connaissances

Regulatory leadership

AML/CFT controls

MAS regulatory knowledge

MLRO experience

Stakeholder management

Description du poste

dLocal is building a Singapore-led payments platform connecting businesses across markets.

As Head of Compliance & MLRO, you will hold full accountability for the Singapore entity's regulatory compliance and financial-crime control environment, acting as its appointed Compliance Officer and MLRO. You will set the strategic direction for the function, represent the entity to the Board and MAS, and ensure the business scales responsibly across its licensed payment services.

You will direct engagement with dLocal's regional and global Compliance, Legal, Regulatory Affairs, Risk, Product, Operations, Finance and Technology leadership. Some control activities are supported by Group entities; you retain full local regulatory accountability and the independent authority to challenge, direct, and — where standards are not met — stop activity.

What you'll be doing?

Compliance strategy & regulatory framework

• Own the Singapore compliance strategy and risk-based framework, set its direction against the entity's licence conditions, risk profile and growth plans.
• Interpret the Payment Services Act, MAS Notices and licence conditions; convert them into policy, controls and business accountabilities, and hold leaders to them.
• Direct the regulatory obligations inventory, licence-perimeter register and change programme; approve implementation plans and sign off readiness.
• Hold final authority on new products, material changes, customer segments and corridors; stop launches where regulatory or control conditions are unmet.
• Hold ultimate accountability for the AML/CFT/CPF programme: risk assessment, CDD/EDD, transaction monitoring, sanctions/PEP screening and suspicious-activity management.
• Serve as Singapore MLRO; make final STR filing decisions and own the escalation, confidentiality and case-record standards behind them.
• Direct oversight of Group-supported AML operations, setting service levels and quality standards, retaining final accountability for high-risk decisions.
• Set risk appetite for merchant and customer onboarding, sanctions exposure and emerging typologies.

Assurance, governance & regulator relationship

• Set the annual compliance monitoring and testing plan; commission thematic reviews and require independent validation of remediation.
• Own the MAS relationship — examinations, information requests, notifications — and personally sign off the accuracy and completeness of submissions.
• Lead escalation on breaches and incidents; decide, with Legal, when MAS notification is required.
• Report independently to the Board and senior management on risk profile, regulatory change, breaches, STR trends, remediation and emerging risks.
• Set the Singapore policy framework and the tone for a strong speak-up and compliance culture.

What you'll bring

• 10+ years of progressive compliance, AML/CFT or regulatory leadership in payments, banking or fintech, including full accountability for a MAS-regulated entity.
• A demonstrated track record owning both a compliance programme and financial-crime controls end-to-end, ideally for a Major Payment Institution or payments business.
• Deep working knowledge of the Payment Services Act, MAS Notices and AML/CFT requirements; comfort with conduct, outsourcing and technology-risk obligations.
• Prior appointment as Compliance Officer and/or MLRO, including direct MAS engagement and STR decision authority.
• The gravitas and communication skill to challenge C-suite and Board stakeholders, and to represent the entity credibly to MAS.

Success looks like

• The compliance and financial-crime framework is current, demonstrably effective and owned end-to-end.
• Regulatory changes, breaches and incidents are identified and escalated promptly, with no missed notifications.
• MAS submissions, examinations and Board reporting are accurate, timely and well-evidenced.
• New products and material changes receive sign-off before launch, with no retrospective gaps.
• The Board and MAS have confidence in the independence and judgement of the role.