Where is the Compliance Specialist & MLRO – Indonesia role at Dlocal located?

The Compliance Specialist & MLRO – Indonesia position at Dlocal is based in Indonesia. This is an on-site position.

What type of employment is the Compliance Specialist & MLRO – Indonesia role at Dlocal?

The Compliance Specialist & MLRO – Indonesia position at Dlocal is a Full time role.

What experience is required for the Compliance Specialist & MLRO – Indonesia role at Dlocal?

The Compliance Specialist & MLRO – Indonesia position at Dlocal requires 4+ yrs exp.

Compliance Specialist & MLRO – Indonesia — Dlocal

Why should you join dLocal?

dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly. As both a payments processor and a merchant of record where we operate, we make it possible for our merchants to make inroads into the world’s fastest-growing, emerging markets.

By joining us you will be a part of an amazing global team that makes it all happen. Being a part of dLocal means working with 1000+ teammates from 30+ different nationalities and developing an international career that impacts millions of people’s daily lives. We are builders, we never run from a challenge, we are customer-centric, and if this sounds like you, we know you will thrive in our team.

What's the opportunity?

As part of our global expansion, we are seeking a Compliance Specialist & MLRO to lead AML/CFT, regulatory compliance, and risk management in Indonesia & Asia. This role will ensure full adherence to requirements set by Bank Indonesia, Otoritas Jasa Keuangan, and PPATK, while building a robust compliance culture aligned with global best practices.

What will I be doing?

Regulatory & Licensing Compliance

Act as the designated compliance officer for Indonesian regulated entities, ensuring adherence to Bank Indonesia payment regulations and licensing conditions.

Maintain ongoing compliance with OJK governance, risk management, and outsourcing requirements (if applicable).

Serve as the primary liaison with regulators, including PPATK reporting obligations and Bank Indonesia supervisory engagement.

Ensure regulatory submissions, licensing updates, and approvals are managed accurately and on time.

AML/CFT Oversight

Develop and maintain AML/CFT frameworks aligned with Indonesian AML Law and PPATK regulations.

Act as MLRO and ensure:

Timely filing of Suspicious Transaction Reports (STRs) to PPATK

Implementation of Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)

Ongoing sanctions screening and name screening controls

Ensure transaction monitoring systems are calibrated to detect:

Unusual transaction patterns

Structuring and layering risks

Fraud and mule account behavior

Risk & Governance

Conduct enterprise-wide compliance and AML risk assessments tailored to products, channels, and customer types.

Establish a risk-based approach (RBA) as required by Indonesian regulators.

Implement internal controls aligned with three lines of defense model.

Ensure Board and senior management receive regular compliance and AML reporting.

Reporting & Regulatory Engagement

Maintain a comprehensive regulatory reporting calendar covering:

PPATK filings

Bank Indonesia reports (payments, operations, incidents)

Ensure audit readiness and regulatory inspection preparedness.

Manage responses to regulatory queries, audits, and thematic reviews.

Internal Collaboration & Training

Partner with Product, Risk, Legal, and Operations teams to embed compliance controls into onboarding and transaction flows.

Deliver AML/CFT and regulatory training programs tailored to Indonesian requirements.

Promote a strong compliance culture across the organization.

What skills do I need?

Bachelor’s degree in Law, Finance, Business, or related field.

Minimum 4+ years of compliance/MLRO experience in financial services or payments.

Strong knowledge of:

Indonesian AML/CFT regulations (PPATK)

Bank Indonesia payment regulations

OJK governance and compliance expectations

Experience acting as MLRO or equivalent regulatory-facing role.

ICA / ACAMS or equivalent certification is mandatory. Relevant professional certifications (e.g., AAMLP, CRMP, or LSPP) are highly desirable.

Proven ability to engage with regulators and manage inspections.

Strong analytical, communication, and stakeholder management skills.

Strong command of Bahasa Indonesia and English, both written and spoken.

Compliance Specialist & MLRO – Indonesia

Job description