AML Officer and Compliance Officer – VASP & EMI  

We are looking for a seasoned and proactive AML Officer and Compliance Officer to lead and oversee our Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT) compliance programs. As part of our operations as a Virtual Asset Service Provider (VASP) and Electronic Money Issuer (EMI), this role is essential in ensuring our full compliance with local and international regulatory requirements. The successful candidate will drive policy implementation, regulatory reporting, and team leadership, working closely with both internal stakeholders and external authorities.

Key Responsibilities:

1. AML/CFT Program Development & Execution

Design, implement, and continuously improve the company’s AML/CFT programs in compliance with BSP and global standards.

Conduct regular reviews and updates to internal policies, manuals, and procedures to ensure effectiveness and relevance.

2. Regulatory Compliance & Liaison

Serve as the main point of contact for regulatory authorities (e.g., BSP, AMLC) for all AML/CFT matters.

Prepare and submit regulatory reports, including STRs (Suspicious Transaction Reports) and CTRs (Covered Transaction Reports), in a timely and accurate manner.

Monitor changes in laws, regulations, and guidelines, and ensure timely adaptation of internal controls and policies.

3. KYC & Customer Due Diligence Oversight

Oversee the Know Your Customer (KYC) and Customer Due Diligence (CDD) processes, ensuring onboarding and ongoing monitoring meet legal and risk standards.

Establish and enforce risk-based procedures for customer screening, onboarding, and periodic reviews.

4. Transaction Monitoring & Suspicious Activity Detection

Oversee the implementation of transaction monitoring systems to detect unusual or suspicious activities.

Lead the investigation of flagged transactions and ensure appropriate documentation and escalation.

5. Risk Collaboration & Mitigation

Work closely with the Risk Management Department to align AML practices with enterprise risk frameworks.

Assist in the design of internal controls and risk mitigation strategies based on identified vulnerabilities.

6. Leadership, Training & Culture Building

Lead and manage the AML team, promoting professional growth and a strong compliance culture.

Develop training materials and conduct regular sessions for staff on AML/CFT awareness and responsibilities.

Minimum Qualifications:

• Bachelor’s degree in Finance, Law, Risk Management, Business Administration, or a related field.
• At least 5 years of professional experience in AML/CFT compliance, preferably within financial services, VASP, EMI, or banking sectors.
• Familiarity with the Philippine regulatory environment, including BSP and AMLC requirements.
• Experience working with KYC/CDD frameworks, transaction monitoring systems, and regulatory reporting tools.
• Strong communication skills with the ability to engage with regulators, auditors, and internal stakeholders.
• Demonstrated ability to lead teams and promote a compliance-driven culture.

Preferred:

• Certified CAMS (Certified Anti-Money Laundering Specialist) or equivalent compliance certifications.
• Background in investigations, fraud detection, or regtech solutions.
• Experience in digital finance, fintech, or crypto environments.
• Proficiency in preparing compliance dashboards, audit reports, or policy documentation.