Compliance Officer

Summary

The Compliance Officer will be a key member ofMoolahgo's compliance function, working closely with senior leadership andexternal advisors to operationalise the company's compliance framework. Thisrole is suited to a hands-on compliance professional with solid MAS regulatoryknowledge and experience in payments or fintech. The successful candidate willhelp ensure that Moolahgo's operations, products, and processes remain alignedwith applicable laws and MAS requirements, including those attached to our MPI license.

Key Responsibilities

Regulatory Compliance

• Monitor and implement requirements under the Payment Services Act (PSA), MAS Notices, Guidelines, and other applicable regulations.
• Maintain and update Moolahgo's compliance policies, procedures, and internal controls in response to regulatory developments.
• Manage correspondence and reporting obligations with MAS, including license conditions, regulatory submissions, and queries.
• Support the company's response to MAS inspections, audits, and supervisory reviews.

AML /CFT

• Oversee and enhance Moolahgo's AML/CFT programme, including policies, transaction monitoring, and sanctions screening.
• Conduct and review customer due diligence (CDD) and enhanced due diligence (EDD) processes for onboarding and ongoing monitoring.
• Investigate alerts and escalate suspicious transactions; prepare and file Suspicious Transaction Reports (STRs) to the Suspicious Transaction Reporting Office (STRO) where required.
• Ensure the company meets MAS Notice PSN01 (AML/CFT for licensed payment service providers) and related obligations.

Product& Business Support

• Provide compliance advisory to product, operations, and business development teams on new products, features, and partnerships — including digital payment tokens (DPT)integrations and virtual account services.
• Conduct compliance risk assessments for new product launches and third-party arrangements.
• Review and advise on contractual terms and agreements (e.g. merchant agreements, partner T&Cs) from a compliance perspective.

Internal Audit & Controls

• Support the Internal AuditFunction (IAF), including coordination with any co-sourced or seconded auditresources.
• Track and manage compliance findings, recommendations, and remediation timelines.
• Prepare managementreporting on compliance metrics, incidents, and programme status.

Training& Culture

• Deliver or coordinate AML/CFT and regulatory compliance training for staff.
• Foster a culture ofcompliance awareness across the organisation.

Requirements

Experience & Qualifications

• 3–6 years of complianceexperience in a licensed financial institution, payment service provider, orfintech company regulated by MAS.
• Solid working knowledge of the Payment Services Act, MAS AML/CFT Notices and Guidelines, and the broader Singapore regulatory framework.
• Hands-on experience with AML/CFT operations: transaction monitoring, CDD/EDD, STR filing.
• Degree in Law, Finance, Business, or a related discipline. Professional certifications (e.g. CAMS, ICA, ACAMS) are an advantage.
• The proficiency in Mandarin language is required as the position involves communicating with compliance counterparts in China.

Skills & Attributes

• Meticulous and structured, with strong written communication skills — able to produce clear regulatory correspondence and policy documents.
• Confident in engaging directly with regulators and external auditors.
• Commercially aware — able to balance compliance rigour with business pragmatism.
• Self-directed and able to work with minimal supervision in a lean team environment.
• Collaborative, with the ability to engage cross-functionally with product, legal, and operations teams.

Nice to Have

• Experience with digital payment token (DPT / cryptocurrency) compliance or familiarity with MAS DPT licensing requirements.
• Exposure to co-sourced or outsourced compliance / internal audit arrangements.
• Prior experience at a MAS-licensed Major Payment Institution or e-money issuer.
• Familiarity with payment products.