Payments
Xendit is an enterprise payments platform powering complex financial operations across Southeast Asia and global markets. We provide a unified API layer combining payment processing, global payouts, localized FX, identity compliance, and fraud protection. As a trusted financial partner backed by top-tier global investors, Xendit processes high-throughput transaction flows for leading global platforms including Meta, Traveloka, ByteDance, Wise, and Grab, building resilient payment infrastructure to drive regional commerce forward.
About the Job
We are looking for a commercially minded, forward-thinking Regulatory Compliance and AML Manager to help shape the next phase of Xendit's growth in Singapore. This is an opportunity to go beyond traditional compliance oversight and play a meaningful role in building the regulatory infrastructure that enables a fast-growing payments business to scale responsibly.
You will take ownership of key regulatory and financial crime compliance responsibilities in Singapore, working closely with senior leadership, Product, Engineering, Risk and Commercial teams to translate complex regulatory requirements into practical, scalable solutions.
We are looking for someone who combines deep regulatory expertise with strong systems thinking — someone who can navigate ambiguity, challenge existing processes and build frameworks that are both regulator-ready and operationally efficient.
This is a high-ownership individual contributor role with significant cross-functional exposure and the opportunity to develop into broader functional or regional leadership as the business evolves.
Minimum qualifications
• Bachelor’s degree-holder with minimum 7+ years of experience in regulatory compliance, AML/CFT or financial crime risk management within regulated financial services, payments or fintech.
• Deep understanding of AML/CFT frameworks, customer due diligence, transaction monitoring, sanctions screening and financial crime risk management
• Strong recent and working knowledge of Singapore's regulatory environment, including MAS requirements applicable to licensed Major Payment Institutions
• Strong self-motivation and a proactive approach to problem-solving.
• Sound commercial judgment, with the ability to balance regulatory requirements, risk appetite and business objectives.
• Proven ability to translate complex regulatory requirements into practical operational controls and sustainable processes.
• Excellent stakeholder management and communication skills, with experience influencing cross-functional teams and senior leadership.
• Comfortable operating independently in a fast-moving environment, taking ownership of complex problems from ambiguity through execution.
• Excellent time management and organizational skills to prioritize effectively in a dynamic environment.
• Experience implementing or working with transaction monitoring systems and compliance tools.
Preferred qualifications
• Experience in a high-growth fintech, payments infrastructure company or technology-led financial services business.
• Demonstrated track record of building, scaling or transforming compliance frameworks, particularly in environments experiencing rapid growth or organizational change.
• Familiarity with payment acceptance, acquiring, cross-border payments, payouts, e-money or platform-based payment models.
• Experience partnering with Product, Engineering or Data teams to design or improve technology-enabled compliance controls.
• Exposure to compliance automation, RegTech, AI-enabled workflows or transaction monitoring systems.
• Experience operating across multiple APAC jurisdictions or supporting regional regulatory initiatives.
• Relevant professional certifications such as CAMS, ICA or equivalent.
What you'll do
Own Regulatory Compliance & Governance
• Continuously strengthen operational and procedural adherence to applicable MAS requirements, including the Payment Services Act (PSA), Financial Services and Markets Act (FSMA), relevant MAS Notices (e.g., PSN01, PSN02, PSN03) and other applicable notices
• Lead regulatory engagement including license-related matters regulatory applications and variations, and ongoing submissions and supervisory examinations, serving as a trusted point of contact for the MAS and other relevant authorities
• Proactively anticipate, interpret, and assess regulatory developments in Singapore and the broader APAC region, translating regulatory changes into actionable business, product and operational requirements for internal teams.
• Drive a risk-based approach to regulatory governance, ensuring robust controls, clear accountability and effective oversight
Strengthen Financial Crime Risk Management
• Oversee and enhance Xendit’s AML/CFT compliance framework, ensuring alignment with local statutory obligations and international regulatory standards.
• Oversee enhanced due diligence (EDD), transaction monitoring, sanctions screening, periodic reviews and suspicious transaction reporting operational workflows, maintaining dynamic rules, identifying weaknesses in existing controls and driving sustainable and timely remediation through improved policies, processes and technology.
• Apply sound judgment to complex merchant and transaction risk assessments, balancing regulatory expectations with commercial realities.
• Partner with operational teams to improve the effectiveness, efficiency and scalability of financial crime controls.
Build Scalable Compliance Infrastructure
• Translate regulatory obligations into scalable operating processes, technology-enabled controls and governance frameworks that support increasing transaction volumes and business complexity Partner with Product, Engineering and Operations to embed compliance requirements into product architecture, merchant onboarding and payment workflows.
• Draft, update, and implement local compliance policies, standard operating procedures (SOPs), and governanc