AML & CTF Leader | MLRO, Risk & Compliance Expert

Payoneer Inc.; United States; On-site; USD 120,000 - 180,000; Full time

Job summary

Payoneer Inc. is seeking a highly experienced Money Laundering Reporting Officer (MLRO) to lead AML/CTF risk management in our Guangzhou office. This on-site, full-time role requires building policies, monitoring, and regulatory coordination to ensure compliance.

The ideal candidate has 10+ years in AML within payments/banking, strong analytical skills, and excellent English communication. You will collaborate with cross-functional teams to implement risk-based controls and enhance AML systems.

Qualifications

• Bachelor’s degree or above.
• At least 10 years of experience as an AML Specialist in payment institutions or banks.
• In-depth knowledge of AML/CTF regulations, sanctions compliance, transaction monitoring methodologies, and risk-based AML controls, with proven experience in AML system design, enhancement, and implementation.
• Strong analytical and risk assessment capabilities, with the ability to identify, evaluate, and mitigate money laundering risk.
• Proven ability to communicate effectively in English (both written and verbal).

Responsibilities

• Develop and enhance AML-related policies, procedures, and operational guidelines.
• Support the Head of Compliance in developing the annual AML plan and risk management objectives in alignment with the Company's overall strategic goals.
• Lead the development and optimization of AML monitoring strategies, models, rules, and risk indicators, including sanctions and watchlist screening, suspicious transaction monitoring, and customer risk rating methodologies.
• Conduct and coordinate money laundering and terrorist financing risk assessments for new products, new business initiatives, and significant projects.
• Review and approve high-risk customer onboarding decisions, suspicious transaction reports (STRs), and routine regulatory reports.
• Drive the development, enhancement, and implementation of AML systems, including managing system requirements, testing, and user acceptance processes.
• Interpret and communicate applicable laws, regulations, and regulatory expectations; provide AML advisory support and guidance to relevant departments on KYC/CDD/EDD, customer risk rating, beneficial ownership (UBO) identification, transaction monitoring frameworks, sanctions screening, and sanctions compliance management to ensure regulatory compliance.
• Organize and conduct the Enterprise-Wide Risk Assessment and prepare related risk assessment reports.
• Act as daily contact person of PBOC and coordinate regulatory examinations, inspections, and assessments (both onsite and offsite), and ensure timely remediation of identified issues by relevant stakeholders.
• Support internal AML audits and ensure timely completion of corrective actions and remediation plans.
• Regularly report the Company's AML risk profile, key risks, and compliance status to Senior Management and the AML Steering Committee.

Skills

AML/CTF regulations

Sanctions compliance

Transaction monitoring

Risk-based AML controls

AML system design

Enhancement

Implementation

Analytical skills

English communication

Education

Bachelor’s degree or above

Job description

Payoneer Inc. is seeking a highly experienced Money Laundering Reporting Officer (MLRO) to lead AML/CTF risk management in our Guangzhou office. This on-site, full-time role requires building policies, monitoring, and regulatory coordination to ensure compliance.

The ideal candidate has 10+ years in AML within payments/banking, strong analytical skills, and excellent English communication. You will collaborate with cross-functional teams to implement risk-based controls and enhance AML systems.