Compliance Specialist & MLRO

**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.

What will I be doing?

Regulatory & Licensing Compliance

• 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.

AML/CFT Oversight

• 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

Risk & Governance

• 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.