Compliance Officer / Mlro – Payments

About SG EPAY PTE. LTD. SG EPAY PTE. LTD. is a MAS-licensed Payment Institution providing merchant acquisition, domestic money transfer, and cross-border money transfer services. We are looking for an experienced Compliance Officer / Money Laundering Reporting Officer (MLRO) to oversee the company’s compliance, AML/CFT, KYC/KYB, regulatory reporting, merchant risk, and payment scheme compliance functions. The ideal candidate should have relevant experience in the payments, fintech, merchant acquiring, PayFac, remittance, banking, or regulated financial services industry, with strong knowledge of MAS requirements applicable to licensed payment institutions, including MAS Notice PSN01. Key Responsibilities Act as the company’s Compliance Officer and MLRO. Oversee the company’s AML/CFT compliance framework, policies, procedures, and internal controls. Ensure compliance with the Payment Services Act, MAS Notices and Guidelines, including MAS Notice PSN01 and related AML/CFT requirements. Conduct and review KYC/KYB due diligence for merchants, customers, directors, shareholders, and ultimate beneficial owners. Perform merchant and customer risk assessments, including onboarding reviews, enhanced due diligence, ongoing monitoring, and periodic reviews. Review high-risk merchants, complex ownership structures, adverse media findings, sanctions screening alerts, and transaction monitoring alerts. Identify suspicious or unusual activities and assess whether escalation or regulatory reporting is required. Prepare and file Suspicious Transaction Reports with STRO where required. Liaise with MAS, STRO, banks, acquiring partners, payment schemes, auditors, and other external stakeholders on compliance and risk matters. Support MAS queries, regulatory inspections, audits, bank due diligence reviews, and acquiring partner compliance questionnaires. Oversee transaction monitoring, merchant risk monitoring, fraud monitoring, chargeback monitoring, and content compliance reviews. …