蚂蚁金服Ant International-Head of AML (MLRO)-Anext Bank

As Head of AML Governance & Issue Management, you will design and lead the issue management and AML governance framework that consolidates identified issues, tracks remediation progress, and ensures prompt resolution. You’ll perform root-cause analysis on policy or control breakdowns, validate remediation plans, and escalate cross-entity conflicts as needed. Your role includes facilitating transparent governance processes and accurately documenting decisions – all in compliance with U.S. BSA-AML regulations. You will report on program health and guide senior leadership through trends, escalations, and root causes. Success requires strong analytical skills and deep compliance acumen in a highly regulated, fast-paced business environment. Main Responsibilities - Manage an issue management framework to capture and consolidate all AML issues across business lines, regulatory findings, audits, and internal reviews. - Track remediation plans end-to-end, ensuring timely execution and proper resolution of control gaps, process failures, or policy deviations. - Perform root-cause analysis for major issues to understand underlying deficiencies and assess adequacy of proposed corrective actions. - Report regularly to senior leadership, BSA Officer on trends, remediation status, and overall program health-providing timely insights on emerging risks and systemic vulnerabilities. - Design and maintain a robust AML governance framework to document decisions, committee outcomes, and process updates – ensuring compliance with US needs, BSA-AML laws and internal policy. Manage cross-entity escalations, remediation conflicts, and implement issues remedial actions – coordinating with cross-functional teams as needed. Ensure governance materials (committee packs, issue memos, remediation trackers) are prepared to a high standard and easily accessible for audit or regulatory inspection. Act as a subject matter expert on issue management and governance for internal audit, examiners, and leadership – supporting reviews and regulatory interactions.

The Head of AML Program Design own the design, implementation, and evolution of comprehensive AML policies, procedures and processes. This role recommends and executes tactical process enhancements to optimize workflows, prioritizing initiatives based on business risk and regulatory requirements. This role establishes standardized AML workflows, monitor control performance through KPIs/KRIs, and drive continuous improvements that embed U.S. BSA-AML standards across global operations. Key to this role is partnering with operations, product, data, and engineering team to integrate AML requirements into new business initiatives. You’ll influence stakeholders at all levels, ensuring U.S. regulatory expectations are clearly understood and appropriately applied worldwide. Success means maintaining robust, repeatable AML controls that scale with innovation while supporting the Head of AML Programs and BSA Officer with program-level governance and risk visibility. Main Responsibilities - Recommend an implement tactical enhancement to AML processes and workflows to improve operational effectiveness and efficiency. - Prioritize process optimization projects based on business needs, regulatory changes, and risk impact. - Document and standardize AML workflows- including KYC, transaction monitoring, alert handling, case escalations, and SAR filing. - Monitor and analyze relevant KPIs/KRIs (e.g. volume of alerts, SAR submission timelines, disposition accuracy) to assess process health and identify deficiencies. - Proactively identify gaps in AML controls and process coverage; collaborate on remediation with operations, product and AML Data teams. - Provide AML policy and operational recommendations for new business products and initiatives, ensuring compliance at launch. - Support the development and evolution of company-wide AML policies, ensuring they reflect BSA-AML best practice, oversight findings, and regulatory change. - Prepare materials and analyses to assist the BSA Officer in governance forums, audit preparations, and regulatory reporting.

1. 信贷策略与风控体系构建 主导设计、实施和持续优化覆盖信贷全生命周期（获客、审批、定价、贷后管理、催收）的全面风险管理框架和信贷策略。 利用数据科学和先进分析技术，制定有效的反欺诈和信贷风控模型，确保在快速增长的同时，将资产质量和坏账率控制在目标范围内。 2. 驱动业务增长及 P&L 管理 主导墨西哥 BNPL 和现金贷业务的端到端管理，对业务整体的投入产出 (ROI) 和损益表 (P&L) 结果负责。 基于深入的市场洞察和量化分析，设计高增长的商业模式和产品路线图，确保实现规模化扩张。 3. 构建与落地信贷全价值链解决方案 设计并推动信贷业务的商业化闭环，涵盖营销获客、产品运营、融资服务及高效的跨职能合作。作为核心驱动者，高效整合内部资源（产品、数据、工程、运营、财务）及外部资源，确保信贷解决方案的快速迭代和成功落地。 4. 拓展与深化战略伙伴关系 拓展及维护关键的海外（墨西哥）机构合作，包括本地银行/非银行金融机构、征信及数据服务商（如 Buró de Crédito）、以及核心场景/流量合作方。主导高层级业务洽谈，为信贷业务构建稳固可靠的生态系统。 5. 确保本地化策略与合规运营 洞察墨西哥《金融科技法》、监管政策及行业发展前沿趋势。建立对国家银行和证券委员会 (CNBV) 监管要求、当地法务、数据隐私及反洗钱 (AML) 的深刻理解。定制高度本地化的信贷产品和运营模式，以实现可持续的合规运营。

We’re on a mission to make financial services accessible and effortless for SMEs. As one of Singapore’s latest digital wholesale banks fully regulated by MAS, we’re committed to continuous innovation to bring about simpler, safer and more rewarding financial services. #bringingaboutwhatsnext We are currently seeking a high calibre professional to join our team as a Senior KYC Ops Specialist. Job Specification This role is required to operate with a strong commercial focus ensuring alignment to the Bank’s business objectives while adhering to the Bank’s control principles at all times. The successful candidate will lead the KYC Operations team in Singapore, be the accountable service owner for all KYC-related activities, including onboarding, customer outreach, periodic and event trigger review and customer exits. Reporting directly into the Head of Customer Service & KYC Operations, the successful candidate will be responsible for executing the strategic direction of KYC Operations function in supporting the bank’s expanding business. On a day-to-day level, the successful candidate will work closely with AML, Risk, Legal, Business and Tech teams to ensure consistency of service and ensure best practice is applied. Core Responsibilities and Accountability Support the Bank’s expansion strategy end-to-end by collaborating with key stakeholders across the organization Build the systems, processes and people in KYC Operations, defining and executing a runway of activities to achieve the target operating model Drive continuous improvement initiatives across end-to-end customer lifecycle management activities to deliver a high and consistent standard of service Provide KYC-related activities in line with agreed OKRs, SLAs and KPIs – management and oversight of the local and offshore teams completing the work, providing guidance and training where applicable Provide guidance to internal stakeholders regarding regulations, requirements and processes for new customer account and/or new product setup in existing or new markets, including KYC, regulatory classifications e.g. FATCA/CRS, etc Drive the talent agenda by hiring and developing a highly-proficient team of customer-facing KYC specialists Leadership & Teamwork Motivate, lead and develop the KYC Operations team, elevating the standards of the team in supporting the bank’s business Act as a thought leader in the long-term strategy and future expansion of the KYC Operations function in relation to the bank’s business strategy and industry development Advocate focus in customer experience at the heart of the team’s operations Champion agile ways of working across the team and the bank Ability to identify and break down complex problems, and work with various stakeholders in implementing optimal solutions with strategic intent Build and maintain strong relationships with key stakeholders including AML, Risk, Business, Tech and Operations teams