Payment Compliance Manager(MJ004072)

Trip.Com Travel Singapore Pte. Ltd.; Singapore; On-site; SGD 120,000 - 180,000; Full time

Benefits offered by this job

Global opportunities

Internal transfers

Learning opportunities

Company events

Job summary

Trip.Com Travel Singapore Pte. Ltd. is seeking a Payment Compliance professional to evaluate payment models, assess licensing requirements, and translate regulatory advice into practical, compliant operating models across our global operations.

You will work with Business, Product, Legal, and external counsel to ensure robust regulatory alignment and risk-managed product launches in a fast-paced environment.

Qualifications

• Minimum 5–7 years in regulatory compliance or fintech, with payment regulation exposure.
• Strong understanding of payment regulatory frameworks and licensing.
• Experience advising cross-functional teams on regulatory risks and product flows.

Responsibilities

• Payment Regulatory & Licensing advisory across jurisdictions.
• Analyse payment flows, contracts, and settlement structures for compliance.
• Conduct pre-launch regulatory assessments and document decisions.
• Coordinate external counsel and translate opinions into actions.
• Partner with business and product teams to resolve regulatory issues.
• Prepare regulatory assessments, governance papers, and frameworks.
• Use AI tools for regulatory research and horizon scanning.

Skills

Regulatory compliance

Payment licensing

Regulatory analysis

Stakeholder management

Business advisory

English proficiency

Education

Bachelor’s degree in Law, Finance, Business, Accounting, Economics

Legal qualification or compliance certifications

Job description

About Us

Founded in 1999 and listed on NASDAQ in 2003 and HKEX in 2021, Trip.com Group is a leading global travel service provider comprising of Trip.com, Ctrip, Skyscanner, and Qunar.

Across its platforms, Trip.com Group integrates travel resources from industry partners and helps travellers worldwide pursue the perfect trip with exceptional travel products and services.

We have four Customer Service Centres for Trip.com established in Japan, Korea, the UK, and the Philippines, providing 24/7 customer service in 19 different languages.

We have more than 30,000 employees scattered across 30 countries in Asia, Europe, the Americas, and Oceania, striving to expand our global markets and aiming to be the world’s leading and most trusted family of online travel brands that aspire to deliver the perfect trip at the best price for every traveller.

Role Overview

We are looking for a Payment Compliance professional to support the assessment and development of new and evolving payment business

models across Trip.com’s global operations. This role focuses on payment regulatory advisory, licensing analysis, new product assessment and regulatory interpretation. It is not primarily an AML operations role. The successful candidate will work closely with Business, Product, Legal, Compliance and external counsel to understand proposed business models, assess applicable payment regulatory requirements, identify licensing and compliance risks, and develop practical solutions that enable the business to operate within an appropriate regulatory framework. The role requires someone who can move beyond identifying regulatory requirements and translate regulation into practical business solutions and compliant operating models.

In this Role, you’ll get to

• Payment Regulatory & Licensing Advisory: Assess payment business models across jurisdictions, interpret applicable regulations and licensing requirements, identify regulatory risks, and provide practical compliance advice.
• Business Model & Payment Flow Analysis: Analyse contractual arrangements, fund flows, settlement structures, data flows and stakeholder relationships to identify regulatory implications and recommend compliant business solutions.
• New Product Approval & Risk Assessment: Conduct pre-launch regulatory assessments, identify licensing requirements and compliance risks, document decisions and conditions, and track remediation actions.
• External Counsel & Regulatory Engagement: Coordinate external legal counsel, critically evaluate legal opinions, translate advice into actionable recommendations, and support regulatory communications and submissions.
• Stakeholder Management: Partner with Business, Product, Legal, Compliance and other stakeholders to address regulatory issues, challenge proposals constructively and deliver commercially viable solutions.
• Management Reporting & Governance: Prepare regulatory assessments, decision papers and management reports, and develop compliance frameworks, procedures and assessment methodologies.
• AI-Enabled Regulatory Research: Leverage AI and regulatory research tools for regulatory analysis, horizon scanning and jurisdictional comparisons, validating conclusions against authoritative sources and independent professional judgement.

What you’ll Need to Succeed

• Professional Experience: Approximately 5–7 years of relevant experience in regulatory compliance, payment licensing, fintech, banking or financial services, with hands‑on exposure to payment regulations and business model assessments.
• Regulatory Knowledge: Strong understanding of payment regulatory frameworks, licensing requirements and regulatory interpretation; AML/CFT knowledge is advantageous but deep operational experience is not required.
• Business & Product Advisory: Proven experience advising Business and Product teams on regulatory risks, payment flows, new products and complex commercial arrangements.
• Regulatory Analysis: Strong research, analytical and judgement skills, with the ability to interpret legislation, identify regulatory implications and develop practical solutions beyond checklist‑based assessments.
• Stakeholder Management: Strong communication, influencing and collaboration skills, with the ability to engage senior management, business stakeholders, external counsel and regulators.
• Execution & Problem‑Solving: Ability to manage multiple regulatory projects, navigate ambiguity and deliver clear, commercially practical recommendations in a fast‑paced environment.
• Language Proficiency: Professional proficiency in English, with the ability to communicate effectively across regions and cultures.
• Education & Qualifications: Bachelor’s degree in Law, Finance, Business, Accounting, Economics or a related discipline. A legal qualification or relevant compliance and regulatory certifications is an advantage.

What’s more?

• Our rapid business growth in global offers abundant career opportunities at various levels and in multiple functions
• Internal transfer is encouraged, and global job rotation program enable you to pursue a global career path and make global impact
• We provide learning opportunities to further your career in areas of leadership capability, soft skill and professional expertise.
• Have fun with company-sponsored greetings and activities at holidays, birthdays, and colorful team events.

Have a good trip, and see you soon!