Role Purpose 

The MLRO is the appointed Anti-Money Laundering and Counter-Terrorism Financing (AML/CFT) officer responsible for the design, implementation and ongoing effectiveness of Xendit Thailand's AML/CFT, sanctions and financial crime compliance framework. The role acts as the primary liaison with the Anti-Money Laundering Office (AMLO), law enforcement agencies and other regulators e.g. Bank of Thailand (BOT).

Key Responsibilities

Key Qualifications

• Bachelor's degree in Law, Finance, Business, Risk Management, Compliance or related discipline.
• At least 8 years' experience in AML/CFT, financial crime compliance or regulatory compliance within banks, payment service providers, fintech or financial institutions.
• Experience engaging directly with AMLO or other financial regulators.
• Strong knowledge of the Payment Systems Act, AMLO AML/CFT requirements, sanctions obligations and relevant international standards (FATF).
• Professional certification such as ACAMS, ICA or equivalent is preferred.

Core Competencies

• Strong regulatory judgement and risk management mindset.
• Excellent stakeholder management and communication skills.
• Commercially minded while maintaining regulatory independence.
• Ability to work effectively in a fast-paced fintech environment.
• High integrity and sound ethical standards.

Authority

The MLRO has authority to escalate material AML/CFT issues directly, Head of Compliance, senior management and the Board, request information from all business units, require remediation of AML/CFT control weaknesses, and independently determine STR filing decisions in accordance with applicable laws and regulations.

Key Regulatory References

• Anti-Money Laundering Act B.E. 2542 (as amended)
• Relevant AMLO Notifications
• Bank of Thailand regulations applicable to Payment Service Providers
• FATF Recommendations