Job Description (JD)

International AML & Compliance Officer Payment Gateway & Banking

Location: Dubai / Hong Kong / Remote (Travel Required)

Department: Compliance & Risk

Reports To: Chief Compliance Officer / AML Officer

About the Company

We are a rapidly growing international fintech and payment solutions group operating across Hong Kong, Guyana, Suriname, Mexico, and Latin America. Our businesses include payment gateways, banking partnerships, merchant acquiring, international payments, digital wallets, and regulated financial services. We are seeking an experienced AML professional to establish and strengthen our global compliance framework.

Position Summary

The International AML & Compliance Officer will be responsible for designing, implementing, and overseeing Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), Know Your Customer (KYC), sanctions compliance, and regulatory compliance programs across multiple jurisdictions.

The role requires deep knowledge of financial regulations governing payment gateways, banks, money service businesses (MSBs), electronic money institutions (EMIs), and payment service providers (PSPs).

Key Responsibilities

AML / CTF Compliance

- Develop and maintain a group-wide AML/CFT compliance framework.
- Ensure compliance with AML regulations across all operating jurisdictions.
- Conduct enterprise-wide AML risk assessments.
- Develop customer risk-rating methodologies.
- Review and approve high-risk customer onboarding.
- Monitor suspicious transaction activities.
- Investigate unusual transaction patterns.
- Prepare and file Suspicious Transaction Reports (STRs/SARs) where required.
- Review sanctions and politically exposed persons (PEP) screening results.
- Oversee enhanced due diligence (EDD) for high-risk customers.

Regulatory Compliance

Maintain regulatory compliance with financial authorities including:

Hong Kong

- Hong Kong Monetary Authority (HKMA)
- Customs and Excise Department (for MSO licensing)
- Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO)
- Guideline on Anti-Money Laundering and Counter-Financing of Terrorism

Guyana

- Bank of Guyana
- Financial Intelligence Unit (FIU)
- AML/CFT Act
- Payment System regulations

Suriname

- Central Bank of Suriname
- National AML legislation
- Financial Intelligence Unit requirements

Mexico

- Comisin Nacional Bancaria y de Valores (CNBV)
- Unidad de Inteligencia Financiera (UIF)
- Banco de Mxico
- Secretara de Gobernacin (SEGOB), where applicable to regulated gaming payment flows




- Federal AML Law (LFPIORPI)
- Electronic payment regulations

Payment Gateway Compliance

- Develop AML controls for payment gateway operations.
- Review merchant onboarding processes.
- Conduct merchant due diligence.
- Monitor transaction volumes and patterns.
- Review chargeback and fraud trends.
- Establish transaction monitoring rules.
- Perform merchant risk assessments.
- Ensure PCI DSS and payment compliance coordination where applicable.

Banking Compliance

- Manage banking relationships.
- Respond to compliance questionnaires from banks.
- Complete AML/KYC onboarding for banking partners.
- Prepare compliance documentation for account openings.
- Assist with regulatory audits and bank inspections.
- Coordinate responses to Requests for Information (RFIs).

Policies & Procedures

Develop and maintain:

- AML Policy
- KYC Policy
- Customer Acceptance Policy
- Sanctions Policy
- PEP Policy
- Risk Assessment Framework
- Transaction Monitoring Policy
- Suspicious Activity Reporting Procedures
- Record Retention Policy
- Compliance Manual
- Merchant Due Diligence Procedures
- Third-Party Risk Management Policy

Risk Management

- Conduct enterprise risk assessments.
- Identify emerging financial crime risks.
- Monitor fraud and cybercrime trends.
- Recommend control improvements.
- Report compliance risks to senior management.

Regulatory Reporting

Prepare and submit:

- Suspicious Transaction Reports (STRs/SARs)
- Regulatory compliance reports
- Annual AML reports
- Internal audit reports
- Compliance dashboards
- Board reporting packs

Audit & Inspection

- Coordinate regulatory inspections.
- Support internal and external audits.
- Address audit findings.
- Implement corrective action plans.
- Maintain compliance documentation.

Training

- Deliver AML/KYC training across the organization.
- Conduct annual compliance awareness programs.
- Train operations, customer support, finance, and merchant teams on regulatory obligations.

Cross-Functional Collaboration

Work closely with:

- Operations
- Risk
- Finance
- Legal
- Technology
- Product
- Customer Support
- Merchant Success




- Banking Partners
- Regulators

Qualifications

- Bachelor's degree in Law, Finance, Accounting, Business, or a related field.
- Master's degree or LLM is preferred.

Experience

- 8–12+ years of AML, compliance, or financial crime experience.
- At least 5 years in the banking, fintech, payment gateway, PSP, EMI, or MSB sector.
- Experience with multinational compliance programs.
- Experience dealing directly with regulators and banking institutions.

Preferred Certifications

- CAMS (Certified Anti-Money Laundering Specialist)
- ICA Advanced Certificate in AML
- ICA Diploma in Governance, Risk & Compliance
- CFCS (Certified Financial Crime Specialist)
- ACAMS AML Certification
- CFE (Certified Fraud Examiner) (preferred)

Technical Knowledge

The successful candidate should have practical knowledge of:

- AML/CFT regulations
- FATF Recommendations
- Wolfsberg Principles
- Basel Committee guidance
- OFAC sanctions
- UN sanctions
- EU sanctions
- UK sanctions
- PEP screening
- Sanctions screening
- KYC/CDD/EDD
- Transaction monitoring systems
- Merchant risk management
- Payment gateway operations
- SWIFT payments
- Cross-border payments
- Card acquiring
- Visa/Mastercard compliance
- Fraud detection tools

Skills

- Strong analytical and investigative abilities.
- Excellent regulatory interpretation and policy drafting skills.
- Experience managing regulator and banking relationships.
- Ability to work across multiple jurisdictions.
- Strong communication and report-writing skills.
- High ethical standards and sound judgment.

Languages

- English (Mandatory)
- Spanish (Highly Preferred)
- Dutch (Advantageous for Suriname)
- Additional Latin American languages are a plus.

Travel

Willingness to travel internationally to:

- Hong Kong
- Dubai
- Guyana
- Suriname
- Mexico
- Other Latin American countries

Key Performance Indicators (KPIs)

- Zero significant regulatory breaches.
- Timely completion of AML/KYC reviews.
- Successful regulatory and bank audits.
- STR/SAR submissions within required timeframes.
- 100% completion of mandatory compliance training.
- Continuous enhancement of the group's AML and financial crime control framework.

This JD is tailored for a senior international AML qualified capable of leading compliance across a multi-jurisdictional payment gateway and banking business with operations spanning Hong Kong, the Caribbean, Mexico, and Latin America.

mail to

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