Compliance Officer – Singapore

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. As both a payments processor and a merchant of record where we operate, we make it possible for our merchants to make inroads into the world’s fastest-growing, emerging markets.

By joining us you will be a part of an amazing global team that makes it all happen. Being a part of dLocal means working with 1000+ teammates from 30+ different nationalities and developing an international career that impacts millions of people’s daily lives. We are builders, we never run from a challenge, we are customer-centric, and if this sounds like you, we know you will thrive in our team.

What’s the opportunity?

This role is responsible for compliance, AML/CFT, and regulatory risk management across Singapore and Asia, ensuring full alignment with requirements of the Monetary Authority of Singapore, particularly under the Payment Services Act (PSA) and MAS AML/CFT Notices.

Key Responsibilities (Enhanced with MAS Expectations):
Regulatory Compliance & MAS Engagement

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Act as the appointed Compliance Officer under MAS requirements, ensuring compliance with:

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Payment Services Act (PSA)

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MAS Notices on AML/CFT (e.g., PSN01/PSN02 equivalents)

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Serve as the primary contact for MAS inspections, thematic reviews, and queries.

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Ensure timely submission of regulatory returns and notifications to MAS.

AML/CFT Framework

Maintain and enhance AML/CFT controls in line with MAS expectations, including:

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Risk-based CDD and EDD frameworks

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Ongoing monitoring and transaction surveillance

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Sanctions screening aligned with UN and MAS lists

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Act as MLRO (if applicable) and ensure:

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Filing of Suspicious Transaction Reports (STRs) to Suspicious Transaction Reporting Office (STRO)

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Ensure strong governance over high-risk customers, cross-border flows, and correspondent relationships.

Risk Management & Governance

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Establish and maintain a MAS-compliant compliance framework, including:

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Compliance monitoring program

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Enterprise-wide risk assessments

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Policies approved by senior management and Board

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Maintain registers for:

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Breaches

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Complaints

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Regulatory incidents

Board & Senior Management Reporting

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Prepare and present periodic compliance and financial crime reports to senior management and Board.

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Escalate material risks, breaches, and regulatory issues promptly.

Audit, Monitoring & Controls

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Conduct ongoing compliance monitoring and thematic reviews.

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Ensure readiness for MAS inspections and audits.

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Track remediation of audit findings and regulatory issues.

Training & Culture

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Deliver ongoing AML/CFT and regulatory training aligned with MAS expectations.

Ensure staff awareness of evolving regulatory risks and obligations.

What skills do I need?:
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Bachelor’s degree in Law, Accountancy, Finance, Business, or a related discipline.

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Minimum 4+ years of experience in a regulated financial institution (payments, banking, or fintech).

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Strong working knowledge of:

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MAS regulations (PSA, AML/CFT Notices)

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Regulatory engagement and inspections

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Experience interacting directly with MAS is highly preferred.

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ICA / ACAMS or equivalent certification preferred.

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Strong stakeholder management and communication skills.

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Ability to operate in a fast-paced, cross-border environment.

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: we have flexible schedules and we are driven by performance.

- 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.

- Learning & development: get access to a Premium Coursera subscription.

- Language classes: we provide free English, Spanish, or Portuguese classes.

- Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!

- dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back!

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.

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!