Dlocal34mo ago

Compliance Specialist & MLRO – Indonesia

IndonesiaFull Timemid

Finance & AccountingLegal & ComplianceCompliance Specialist

3 views0 saves0 applied

Apply Now

Quick Summary

Overview

Why should you join dLocal? dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly.

Technical Tools

fintechstakeholder-management

Why Join dLocal?
dLocal is the financial infrastructure powering global commerce in the world's fastest-growing markets. The biggest companies in the world trust us to unlock growth in 60+ countries across emerging markets—moving money where others see complexity. We don't just process payments; we are architects of payment ecosystems and partners in our customers' expansion. You'll work alongside 1,300+ teammates from 40+ nationalities and tackle global challenges from day one.

What's the opportunity?

As part of our global expansion, we are seeking a Compliance Specialist & MLRO to lead AML/CFT, regulatory compliance, and risk management in Indonesia & Asia. This role will ensure full adherence to requirements set by Bank Indonesia, Otoritas Jasa Keuangan, and PPATK, while building a robust compliance culture aligned with global best practices.

Act as the designated compliance officer for Indonesian regulated entities, ensuring adherence to Bank Indonesia payment regulations and licensing conditions.

Maintain ongoing compliance with OJK governance, risk management, and outsourcing requirements (if applicable).

Serve as the primary liaison with regulators, including PPATK reporting obligations and Bank Indonesia supervisory engagement.

Ensure regulatory submissions, licensing updates, and approvals are managed accurately and on time.

Develop and maintain AML/CFT frameworks aligned with Indonesian AML Law and PPATK regulations.

Act as MLRO and ensure:

Timely filing of Suspicious Transaction Reports (STRs) to PPATK

Implementation of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)

Ongoing sanctions screening and name screening controls

Ensure transaction monitoring systems are calibrated to detect:

Unusual transaction patterns

Structuring and layering risks

Fraud and mule account behavior

Conduct enterprise-wide compliance and AML risk assessments tailored to products, channels, and customer types.

Establish a risk-based approach (RBA) as required by Indonesian regulators.

Implement internal controls aligned with three lines of defense model.

Ensure Board and senior management receive regular compliance and AML reporting.

Maintain a comprehensive regulatory reporting calendar covering:

PPATK filings

Bank Indonesia reports (payments, operations, incidents)

Ensure audit readiness and regulatory inspection preparedness.

Manage responses to regulatory queries, audits, and thematic reviews.

Partner with Product, Risk, Legal, and Operations teams to embed compliance controls into onboarding and transaction flows.

Deliver AML/CFT and regulatory training programs tailored to Indonesian requirements.

Promote a strong compliance culture across the organization.

Bachelor’s degree in Law, Finance, Business, or related field.

Minimum 4+ years of compliance/MLRO experience in financial services or payments.

Strong knowledge of:

Indonesian AML/CFT regulations (PPATK)

Bank Indonesia payment regulations

OJK governance and compliance expectations

Experience acting as MLRO or equivalent regulatory-facing role.

ICA / ACAMS or equivalent certification is mandatory. Relevant professional certifications (e.g., AAMLP, CRMP, or LSPP) are highly desirable.

Proven ability to engage with regulators and manage inspections.

Strong analytical, communication, and stakeholder management skills.

Strong command of Bahasa Indonesia and English, both written and spoken.

What do we offer?
Besides the tailored benefits we have for each country, dLocal will help you thrive and go that extra mile by offering you:
- Flexibility in how you work: We focus on impact and productivity over fixed hours. This means our teams have flexible schedules and, depending on your role and location, you will combine self‑managed focus time with moments of in‑person connection in our collaboration hubs.
- Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.
- Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded.
- Work From Anywhere: Team members can work while traveling for up to 3 months every year.

What happens after you apply?

Our Talent Acquisition team is invested in creating the best candidate experience possible, so don’t worry, you will definitely hear from us. We will review your CV and keep you posted by email at every step of the process!

Also, you can check out our webpage, Linkedin and Youtube for more about dLocal!