Regulatory & AML Compliance Manager, Singapore Xendit is an enterprise payments platform supporting complex financial operations across Southeast Asia and global markets through a unified API layer that combines payment processing, global payouts, localized FX, identity compliance, and fraud protection. Backed by top-tier global investors, Xendit processes high-throughput transaction flows for leading global platforms including Meta, Traveloka, ByteDance, Wise, and Grab. The company is seeking a commercially minded, forward-thinking Regulatory Compliance and AML Manager in Singapore to help shape the next phase of its growth. This is a high-ownership individual contributor role with significant cross-functional exposure and the opportunity to develop into broader functional or regional leadership. The role goes beyond traditional compliance oversight, contributing to the regulatory infrastructure that enables a fast-growing payments business to scale responsibly. Minimum qualifications: Bachelor’s degree-holder with a minimum of 7+ years of experience in regulatory compliance, AML/CFT, or financial crime risk management within regulated financial services, payments, or fintech. Candidates must have a deep understanding of AML/CFT frameworks, customer due diligence, transaction monitoring, sanctions screening, and financial crime risk management. Strong recent and working knowledge of Singapore’s regulatory environment is required, including MAS requirements applicable to licensed Major Payment Institutions. The successful candidate should be strongly self-motivated and proactive in problem-solving, with sound commercial judgment and the ability to balance regulatory requirements, risk appetite, and business objectives. They must be able to translate complex regulatory requirements into practical operational controls and sustainable processes, demonstrate excellent stakeholder management and communication skills, and influence cross-functional teams and senior leadership. Candidates must be comfortable operating independently in a fast-moving environment, taking ownership of complex problems from ambiguity through execution. Excellent time management and organizational skills are required to prioritize effectively in a dynamic environment. Experience implementing or working with transaction monitoring systems and compliance tools is also required. Preferred qualifications include experience in a high-growth fintech, payments infrastructure company, or technology-led financial services business. A track record of building, scaling, or transforming compliance frameworks is preferred, particularly in environments experiencing rapid growth or organizational change. Candidates should be familiar with payment acceptance, acquiring, cross-border payments, payouts, e-money, or platform-based payment models. Experience partnering with Product, Engineering, or Data teams to design or improve technology-enabled compliance controls is preferred, as is exposure to compliance automation, RegTech, AI-enabled workflows, or transaction monitoring systems. Experience operating across multiple APAC jurisdictions or supporting regional regulatory initiatives is preferred. Relevant professional certifications such as CAMS, ICA, or equivalent are also preferred. Regulatory Compliance & Governance responsibilities include continuously strengthening operational and procedural adherence to applicable MAS requirements, including the Payment Services Act (PSA), Financial Services and Markets Act (FSMA), relevant MAS Notices such as PSN01, PSN02, and PSN03, and other applicable notices. The role leads regulatory engagement, including license-related matters, regulatory applications and variations, ongoing submissions, and supervisory examinations. The manager serves as a trusted point of contact for the MAS and other relevant authorities. The manager proactively anticipates, interprets, and assesses regulatory developments in Singapore and the broader APAC region, translating regulatory changes into actionable business, product, and operational requirements for internal teams. They drive a risk-based approach to regulatory governance, ensuring robust controls, clear accountability, and effective oversight. Financial Crime Risk Management responsibilities include overseeing and enhancing Xendit’s AML/CFT compliance framework to ensure alignment with local statutory obligations and international regulatory standards. The manager oversees enhanced due diligence (EDD), transaction monitoring, sanctions screening, periodic reviews, and suspicious transaction reporting operational workflows. The role maintains dynamic rules, identifies weaknesses in existing controls, and drives sustainable and timely remediation through improved policies, processes, and technology. It applies sound judgment to complex merchant and transaction risk assessments, balancing regulatory expectations with commercial realities. The manager partners with operational teams to improve the effectiveness, efficiency, and scalability of financial crime controls. Scalable Compliance Infrastructure responsibilities include translating regulatory obligations into scalable operating processes, technology-enabled controls, and governance frameworks that support increasing transaction volumes and business complexity. The manager partners with Product, Engineering, and Operations to embed compliance requirements into product architecture, merchant onboarding, and payment workflows. They draft, update, and implement local compliance policies, standard operating procedures (SOPs), and governance frameworks. They also design and deliver localized AML/CFT frameworks that can be adapted across products to foster a high-standard compliance culture across all local operations. The role acts as a strategic compliance partner to Product, Commercial, and senior leadership teams on new products, partnerships, and complex enterprise merchant requirements. A second area of technical specialization is preferred in addition to deep regulatory and AML/CFT expertise. This may include deep knowledge of payments infrastructure and fund flows, hands-on experience with compliance engineering and RegTech, expertise in data analytics and financial crime detection, the ability to translate regulatory requirements into product architecture and technology-enabled controls, experience building transaction monitoring systems, the ability to lead complex licensing initiatives across multiple markets, or experience building automated compliance processes at scale. Candidates are not expected to have all of these capabilities. The opportunity involves helping shape the compliance infrastructure of a growing payments platform and solving complex regulatory challenges through technology and better systems. The role works at the intersection of regulation and innovation, partnering directly with teams building payment products and infrastructure used by leading businesses across Southeast Asia. It provides meaningful ownership and influence over critical regulatory outcomes, influence over business decisions, and direct collaboration with senior stakeholders. It also offers the experience, relationships, and track record needed to pursue future opportunities in functional leadership, regional compliance, or larger transformation initiatives as the organization scales.

Regulatory & AML Compliance Manager, Singapore

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