蚂蚁金服蚂蚁国际-Ant Bank Legal Counsel-法务合规

POSITION SUMMARY You will be responsible for supporting the legal team in managing contracts related to banking financing matters. This may include bank account agreements, cash pooling agreements, FX agreements and other legal contracts. You will work closely with the legal team to review, draft, and negotiate contracts, ensure compliance with company policies and applicable laws. The ideal candidate for this position should be detail-oriented, organized, and have excellent communication skills. They should be able to work independently and collaboratively in a fast-paced environment, and have a strong work ethic. The candidate should be proactive, adaptable, and able to handle confidential information with discretion. MAJOR RESPONSIBILITIES • Reviewing, drafting, and negotiating contracts related to banking finance matters. This may include bank account agreements, cash pooling agreements, FX agreements. • Assisting with contract management, including organizing and maintaining contract files, tracking contract deadlines, and ensuring compliance with contract terms. • Collaborating with internal stakeholders, including business development, marketing, operations, and finance teams, to ensure that contracts align with company objectives and policies. • Conducting legal research and providing legal advice on various banking finance and contract-related matters. • Keeping abreast of changes in laws and regulations related to banking, and contracts, and providing updates to the legal team and internal stakeholders.

• Work with Compliance/Legal on funds-related regulatory requirements, and support formulating customer funds management and account management solutions to comply with local regulatory requirements; • Oversees compliance and regulatory operations in the APAC region, including but not limited to customer funds safeguarding and regulatory reporting; • Responsible for the planning, completion, review, submission and reporting of local Regulatory reports and drive automation projects for Regulatory Reports and Safeguarding etc; • Support local on-site regulatory audits and inspections and provide data and documents related to customer funds. Follow up and resolve any findings or gaps identified; • Supervision of customer funds and businesses flows, conduct regular checks on transactions and provide reports on funds overview. This includes review and inspection of operations team’s reconciliation and settlements are completed accurately and timely, with reviews on transactions and funds. This includes integration of new projects into the current operations. • Cooperate with internal and external audits, for queries related to customer funds, and be responsible for the completion of customer funds related walkthrough testing and samples. • Account management of customer funds bank accounts used for operations and safeguarding, including account opening and designation of bank accounts.

• Understand how the Bank’s risk appetite and risk culture should be considered in day to day activities and decisions • Implement collection strategies and key processes for the Collections Team • Design and coordinate the implementation of systems requirements for collections, reporting requirements and ensure high levels of automation • Perform the Collections Function on a day-to-day basis including skip tracing and liaison with external agencies including engagement with debt collection agencies to institute collection strategies • Develop, maintain and monitor the KPIs for external agencies • Conduct daily portfolio monitoring and regular reviews on delinquent accounts • Assess and recommend remedial actions on distress accounts for approval • Assess and prepare accounts for write off • Manage collection complaints and develop resolution timeframe and benchmarks • Prepare reporting dashboards (including but not limited to delinquency trends, flow rate velocity, recovery indicators, forecasting and making provisions for loan impairments) for management’s review • Recommending appropriate Loan classification for each distress borrower • Initiating Legal Proceedings on problem credits where applicable • Optimise digital collection strategies and review effectiveness against cost impact • Conduct lessons learnt and training activities to promote risk/control awareness

As the Money Laundering Reporting Officer (“MLRO”) for ANEXT Bank (“the Bank”), the individual will have overall responsibility for developing, maintaining and implementing the Bank’s AML, Countering the Financing of Terrorism (“CFT”) and Sanctions Programme. The MLRO will report to the Head of Legal & Compliance, and work closely with the Bank’s senior management to ensure that the Bank’s AML / CFT Programme is robust and in line with regulatory expectations. The ideal candidate will be a hands-on and confident self-starter with strong interpersonal and organizational skills, and the ability to work independently and collaboratively in a fast paced and dynamic working environment. • Ensure that the AML / CFT and Sanctions function is best-in-class, and continuously keeps abreast with evolving regulatory requirements and expectations. • Provide support / guidance to senior management to ensure that AML / CFT and Sanctions risks are adequately identified, understood and mitigated. • Be the main point of contact for MAS and relevant law enforcement agencies, with regards to AML / CFT matters. Work closely with Regulatory Compliance to ensure that the Bank continues to build its credibility with MAS, in respect of the Bank’s overall AML / CFT posture. • Maintain a strong relationship with the AML functions across both Ant International (“A&I”), given the close collaboration and partnerships within the A&I ecosystem. • Embrace and leverage technology to fight financial crime through the various AML / CFT control verticals viz a viz High-Risk Reviews, Transaction Monitoring, Name Screening, etc, to achieve operational efficiencies. • Collaborate with Client Risk Management and KYC Operations, in ensuring that their processes are aligned with corresponding AML / CFT policies. • Formulate, implement and perform periodic reviews of the AML / CFT and Sanctions Programme, policies and procedures for the Bank. • Ensure that AML / CFT and Sanctions training for employees is adequate, appropriate and effective.