Senior KYT / TM Specialist

Dtcpay; Singapore; On-site; SGD 90,000 - 130,000; Full time

Job summary

dtcpay, a MAS-licensed payment service provider, seeks a seasoned Compliance professional to lead KYT/TM monitoring on-site in Singapore. You will collaborate with Product, Data, and Engineering to refine rules and improve detection accuracy.

You will assess false positives, prepare STRs for L3 review, and mentor KYT/TM analysts, ensuring monitoring aligns with MAS AML/CFT guidance and PSA regulations.

Qualifications

• Bachelor's Degree or above in Business, Law, Accounting & Finance, Economics or related fields.
• At least 5 years of relevant working experience in compliance related roles in the Financial Institutions and/or Fintech/Payments Industry.
• Knowledge in MAS AML/CFT Guidelines and PSA regulations in Singapore affecting payments, fintech and DPT/digital assets.
• Excellent communication and business partnering skills; able to collaborate with multiple stakeholders.

Responsibilities

• Collaborate with Product, Data, and Engineering to develop and enhance KYT/TM tools as required.
• Assess false positives, adjust thresholds, and optimise rule logic to improve detection accuracy.
• Participate in user acceptance testing (UAT) for new KYT/TM system features and enhancements.
• Identify gaps in KYT/TM monitoring coverage and propose improvements.
• Assess patterns in transaction activity to identify risks and recommend mitigating controls.
• Ensure monitoring and reporting align with MAS AML/CFT requirements and other laws.
• Prepare Suspicious Transaction Reports (STRs) for L3 review and filing with authorities.
• Assign, review, and quality-check KYT/TM cases for accuracy and timeliness.
• L2 reviews and investigations for KYT/TM escalations; update SOPs and guidelines.
• Provide coaching and upskilling to KYT/TM analysts on red flags and investigative techniques.

Skills

AML/CFT knowledge

KYT/TM experience

Stakeholder collaboration

Analytical thinking

Bilingual communication

Education

Bachelor's Degree in Business, Law, Accounting & Finance, Economics or related fields

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.

Work Arrangement:

Fully On-site

What You'll Do:

• Collaborate with Product, Data, and Engineering to develop, maintain and enhance in-house KYT/TM tools as required.
• Assess false positives, adjust thresholds, and optimise & refine rule logic to improve detection accuracy
• Participate in user acceptance testing (UAT) for new KYT/TM system features and enhancements
• Identify gaps in KYT/TM monitoring coverage and propose/recommend improvements
• Assess patterns and trends in transaction activity to identify emerging risks and recommend appropriate mitigating controls
• Ensure all monitoring and reporting activities are conducted in line with MAS AML/CFT requirements, and/or any other relevant laws and guidelines
• Prepare Suspicious Transaction Reports (STRs) for L3 review before submission to the MLRO for filing with the relevant authorities in compliance with regulatory requirements.
• Assign, review, and quality-check KYT/TM cases to ensure accuracy, thoroughness, and timely completion
• L2 for KYT & TM reviews & conduct in-depth investigations & review of escalated alerts
• Maintain and update SOPs, workflows, and internal guidelines for KYT/TM
• Provide coaching, mentoring, and upskilling to KYT/TM analysts on AML/CFT red flags, typologies, and investigative techniques
• Assisting in ad-hoc projects and tasks

What We're Looking For:

• Bachelor's Degree or above in Business, Law, Accounting & Finance, Economics or related fields
• At least 5 years of relevant working experience in compliance related roles in the Financial Institutions and/or Fintech/Payments Industry
• Knowledge in MAS AML/CFT Guidelines and any other equivalent laws and guidelines. Good understanding of Payment Service Act (PSA) and any applicable regulations in Singapore affecting the payment, fintech, and Digital Payment Token (DPT)/Digital Asset industry
• Excellent communication and business partnering skills and can collaborate effectively with multiple stakeholders
• Excellent written and verbal communication skills (bilingual preferred)
• Excellent analytical and critical thinking skills
• High ethical and integrity standards, self-driven, fast learning and independence are required

Good to haves:

• Professional certifications in AML/CTF (e.g., CAMS, ACAMS) are highly desirable.
• Experience with Elliptic and Chainalysis
• Experience in the Crypto/Blockchain industry would be beneficial
• Proficiency in Mandarin and English (spoken and written) would be beneficial