Deputy MLRO — HitPay

- Advisory to Ops leaders: the KYC Ops Lead and Financial Crime team run the queues; you tell them what the rules require — CDD/EDD standards, periodic-review cycle expectations, record-keeping, tipping-off boundaries, new-product/partner flow assessments. Written recommendations, clear enough to operationalise without a follow-up meeting.

- Regulatory reporting calendar: MAS returns and PSN04 reports; BNM PSP returns; AUSTRAC IFTI submissions and annual compliance report; NZ DIA annual report; AMLC ad-hoc filings. You are the second pair of hands on every one from day one, first pair on several.

- STR/SAR lifecycle & deputisation: case review, drafting, and filing across STRO/AMLC/AUSTRAC/FinCEN/NZ FIU with delegated sign-off; documented back-up for the Group MLRO's statutory functions in SG and interim officer appointments in PH/US/NZ.

- Regulator correspondence & inspection readiness: support MAS/BNM/BSP/AUSTRAC correspondence and production orders, and keep us permanently inspection-ready.

## What you'll bring

- 4–8 years in regulatory or financial-crime advisory at a Big 4 / major consulting firm (risk & regulatory, forensic, or financial-services compliance practice), or equivalent in-house policy/advisory depth at a regulated payments firm or bank.

- Proven ability to work from primary sources: you look up the regulation, read it properly, and form your own view — you don't wait for a summary or outside counsel for routine questions.

- Policy craftsmanship: you have written, maintained, or overhauled AML/CFT policy suites or compliance frameworks for financial institutions, and can show it.

- Advisor's communication: structured written recommendations that busy operators can execute — you've spent years making complex regulation land with non-specialist stakeholders.

- Working knowledge of MAS PSA/PSN01; exposure to any of AUSTRAC, BSP, BNM, FinCEN, or NZ DIA regimes is a strong plus.

- Fit-and-proper: able to satisfy regulator probity requirements and comfortable being a named officer.

- AI-leverage mindset: you're comfortable using and supervising AI research and casework tools (our compliance wiki and detection stack are AI-assisted) — challenging their output and owning the final call.

## Nice to have

- ACAMS / ICA certification.

- Hands-on STR/SAR drafting and regulatory-return submission experience (if not, you'll learn it here fast — the calendar never stops).

- Experience in a multi-entity group (subsidiary officer appointments, intercompany compliance arrangements).

- Prior deputy or named MLRO/AMLCO appointment.

## Why this role is unusual

If you're in Big 4 advisory today: this is the client-side seat where your recommendations actually ship. Six live licences, a policy library you fully own, Ops leaders who act on your advice the same week, and a compliance stack more automated than most banks'. You'll see more jurisdictions and more real casework in a year than most consultants see across an entire client portfolio — with a direct line to the Group MLRO and the CEO, and a named statutory seat of your own.

A meeting lands on your calendar

If they’re a yes, I book the chat. You show up — that’s the whole job-hunt.