Senior Financial Crime Compliance Officer - TikTok Singapore - Global Payment

g for an experienced Money Laundering Reporting Officer (MLRO) to oversee Anti-Money Laundering (AML) and Counter Terrorist Financing (CTF) compliance for our local entity.
In this role, you will act as the primary focal point for AML/CTF compliance. You will ensure that our platform remains safe from financial abuse while maintaining a seamless experience for our users, creators and merchants. The role will support the TikTok AML/CTF Officer and will have day-to-day responsibility for AML/CFT compliance, risk management, and reference the Payment Services Act (PSA) and MAS Notices and Guidelines.

The MLRO will act as a key point of accountability for AML/CFT matters, including potential suspicious activities reporting, regulatory interactions, audits, compliance reviews, and ongoing supervisory engagement. This role will report to the TikTok AML/CFT officer.

Key Responsibilities

Regulatory & Governance Responsibilities

• Serve as the designated Money Laundering Reporting Officer for relevant APAC TikTok entities including Singapore, with responsibility for AML/CFT oversight and has experience in managing financial crime compliance programs based on the Payment Services Act, MAS Notices (including PSN01 / PSN02, as applicable), MAS Guidelines and relevant regimes in other APAC jurisdictions.
• Serve as the primary point of contact for local financial intelligence units such as the Monetary Authority of Singapore regarding financial crime investigations involving our platform.
• Lead and coordinate responses to regulatory inspections, supervisory reviews, regulatory engagements, internal audits, and independent assurance activities, ensuring timely and effective remediation of findings.
• Provide regular AML/CFT risk reporting and escalation to TikTok Senior Management or management committees, including notification of material issues and control weaknesses.
  AML/CFT Framework Implementation
• Conduct and maintain the local entity's Enterprise-Wide Risk Assessment (EWRA) specifically focusing on risks inherent to social media , and product, customer, delivery-channel, and geographic risk analyses.
• Adapt global AML/CTF policies to fit local laws and the specific operational aspects of the local market and industry best practices.
• Assist in the oversight, design, implementation, and ongoing effectiveness of TikTok's AML/CFT control framework, covering customer due diligence, transaction monitoring, sanctions screening, suspicious transaction reporting (STRs), and record-keeping.
• Ensure TikTok's AML/CFT controls are appropriately calibrated to TikTok's products, transaction flows, and customer risk profiles.
• Identify emerging risks (including typologies relevant to digital payments and platform-enabled financial activity) and drive enhancements to policies, systems, and governance.
  Advisory & Stakeholder Engagement
• Work with the advisory team during the launch of new monetization features to build "Compliance by Design."
• Provide AML/CFT advice to Senior Management, product, operations, technology, and legal teams on Singapore regulatory requirements and financial-crime risk.
• Act as a key stakeholder in new product approvals, market expansions, and significant change initiatives, ensuring AML/CFT risks are assessed and mitigated in line with regulatory expectations.
• Build strong working relationships across the business to promote AML/CFT ownership, awareness, and timely issue escalation.
  Training, Awareness & Continuous Improvement
• Oversee the development and delivery of AML/CFT training programs tailored based on Singapore regulatory requirements and role-based responsibilities.
• Maintain up-to-date knowledge of MAS regulatory developments, enforcement actions, and supervisory guidance, and ensure timely implementation across the business.
• Use regulatory feedback, audit outcomes, and internal quality-assurance results to continuously strengthen the AML/CFT program.

Qualifications

Minimum Qualifications

• 5+ years of AML/CFT compliance experience, with significant experience in payments, fintech, e-money, or digital financial services.
• Proven experience serving as a designated MLRO or senior AML/CFT lead for a MAS-regulated entity (e.g., MPI, EMI, or equivalent).
• Demonstrated experience engaging directly with MAS or local financial intelligence units, including managing inspections, supervisory reviews, and regulatory correspondence.
• Strong understanding of the Singapore sanctions, AML, and payments ecosystem, the Payment Services Act, and applicable MAS Notices and Guidelines.
• Experience conducting enterprise-wide AML/CFT risk assessments and developing AML/CFT policies, procedures, and governance frameworks.

Preferred Qualification:

• Prior experience working at MAS, local FIU, or a licensed payment institution is preferred.
• Strong leadership, independence, and judgment, with the ability to operate effectively in a fast-paced, evolving regulatory and business environment.