Regulatory Manager

Regulatory Manager

PT Indonesia Fintopia Technology is a prominent, multinational financial technology company established in Indonesia in 2017. Operating as a licensed and OJK-regulated peer-to-peer (P2P) lending platform, the company leverages advanced big data analytics and AI-driven risk assessment to promote financial inclusion across the country.
Its flagship product, Easycash, is a leading digital credit application that connects verified lenders with borrowers through a completely seamless, paperless, and online mobile experience. Tailored to both individuals and underbanked small business owners, Easycash is widely recognized for its fast approval process, flexible repayment tenors, and secure, collateral-free credit solutions.

Requirements:

• Minimum Bachelor Degree in Law or any reputable university;
• Having minimum 7 years of proven AML CFT experience;
• Comprehensive knowledge of AML CFT regulations;
• Methodical and diligent with outstanding planning abilities;
• Fluent in English (Verbal & Written);
• Problem solving, positive and constructive attitude is a must;
• A team player with effective verbal and written communication skills;
• Initiative, detail oriented, accurate, well organized and able to work with target and under pressure;

Responsibilities:

• Develop, implement, and periodically review the Company's AML/CFT, Regulatory matters, and Consumer Protection framework, including policies, annual work plans, and strategic initiatives in accordance with applicable laws and regulations.
• Lead AML/CFT risk management activities, including Individual Risk Assessment (IRA), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), sanctions screening, ongoing customer monitoring, transaction monitoring, and investigation of AML/CFT alerts.
• Ensure the timely preparation, review, and submission of AML/CFT reports and other regulatory reports to OJK, PPATK, and other competent authorities.
• Monitor regulatory developments, assess their impact on the Company's business, and provide regulatory and compliance advisory to business units to ensure adherence to applicable laws, regulations, and industry standards, especially regarding AML and consumer protection.
• Lead the Company's Consumer Protection function by providing regulatory advisory, overseeing consumer dispute handling from a compliance perspective, and representing the Company in mediation and regulatory engagements with LAPS SJK, OJK, law enforcement agencies, and other relevant authorities.
• Develop, review, and oversee the implementation of internal policies, Standard Operating Procedures (SOPs), governance documents, and compliance controls across the organization.
• Serve as the primary liaison and representative of the Company in communications, consultations, regulatory examinations, inspections, meetings, and industry forums with regulators, industry associations, and other external stakeholders.
• Lead regulatory inspections, audits, and cross-functional compliance initiatives, including the enhancement of AML/CFT systems, governance processes, and regulatory compliance controls.
• Prepare executive reports, regulatory analyses, management presentations, and strategic updates for Senior Management, the Board of Directors, regulators, and other stakeholders as required.
• Promote a strong regulatory culture by conducting internal AML/CFT and compliance awareness programs while providing strategic guidance on AML/CFT, regulatory compliance, governance, and consumer protection matters across the organization.

Tentang Perusahaan:
Fintopia is a multinational fintech company operating across Asia, Latin America, and Africa, providing innovative and inclusive financial solutions powered by advanced AI and big data technology. In Indonesia, Fintopia operates through Easycash, a leading OJK-licensed P2P lending platform that connects millions of borrowers and lenders. Since 2017, Easycash has disbursed over 77 trillion IDR in loans to more than 8 million borrowers, earning numerous national awards for innovation, digitalization, and contribution to financial inclusion.