蚂蚁金服Ant Group-AML Risk Assessment & Controls Manager-USA

• Support Ant Group business and work closely with the other Legal, Compliance (including AML and Privacy) and Risk Management under Ant Group International Business • Support the agenda of Ant Group International Compliance function, including developing Compliance policies and procedures, coordinating with other relevant teams in managing and responding to regulators in relation to AML/Sanctions compliance, data privacy, consumer protection, and providing compliance regulatory risk assessments and program implementation • Lead and support applications for, and continuing maintenance of, payment institutions, payment systems, e-money licenses, merchant acquiring and other similar/applicable FINTECH-related business licenses in jurisdictions where Ant Group conducts its businesses • Lead, maintain and implement compliance programs which include key regulatory obligation, risk assessment, new regulations, regulatory reporting, etc.; and embedding Ant Group International Compliance Framework within business and internal stakeholders • Drive the regulatory engagement agenda and serve as the point of contact with the regulators, including coordination for any regulator’s on-site inspection, as and when required • Implement compliance culture, conduct internal compliance training and education program from time to time

Based in Hong Kong, this individual will be the key person of the Hong Kong AML Team to support Ant Group’s Alipay business. We are looking to hire a detail-oriented, hard-working senior compliance professional to join Ant Group. This person will work closely with regulators such as Hong Kong Customs and JFIU, other AML team members, legal, risk management, data privacy and other legal/compliance professionals, as well as Business, Product and Operation teams at Ant Group. The ideal candidate will be a confident self-starter with strong interpersonal and organizational skills, exercise good judgement, experienced in the relevant Anti-Money Laundering (“AML”), Counter-Terrorist Financing (“CTF”), and sanctions in remittance, payments or financial services industry, and with demonstrable ability to effectively and proactively engage and partner with the business in a fast-paced and engaging environment. Responsibilities: 1.Act as the focal point for the oversight of all activities relating to the prevention and detection of AML/Sanctions/CTF in Hong Kong; 2.Provide support / guidance to the senior management to ensure that AML/Sanctions /CTF risks are adequately identified, understood and managed, in particular to communicate key AML/Sanctions /CTF issues including significant compliance deficiencies; 3.Carry out risk assessment at the enterprise level and on products and services offered by Ant Group; 4.Provide support and guidance to the Business Development team in relation to AML/Sanctions /CTF issues; 5.Work with in-house AML product and technology team to select and implement relevant technology solutions; 6.Actively identify and report suspicious transactions by reviewing internal disclosures and act as the main point of contact with the Hong Kong regulators and law enforcement agencies. Implement effective SAR reporting procedures in accordance with the local requirements; 7.Ensure financial crime surveillance and intelligence in country is effective; 8.Develop and review the AML/Sanctions /CTF systems to ensure they remain up-to-date, meet current statutory and regulatory requirements and are effective in managing AML/Sanctions /CTF risks arising from the business; 9.Ensure AML/Sanctions /CTF staff training is adequate, appropriate and effective; 10.Conduct due diligence review on strategic business partner to evaluate potential AML/Sanctions /CTF risks.

The AML Models Testing & Monitoring Manager designs and leads comprehensive testing and validation efforts for AML systems, models, rule engines, and compliance tools. Responsible for ensuring data accuracy, regulatory alignment, and operational effectiveness, this role strengthens AML controls through continuous assurance, model performance oversight, and regulatory readiness. Ideal candidates are analytical, detail-driven, and thrive in regulated, multi-jurisdictional environments – using their critical thinking to challenge assumptions, uncover deficiencies, and drive continuous program enhancement. Main Responsibilities • Develop and execute testing frameworks to assess the performance, accuracy, and reliability of Aml transaction monitoring and customer risk rating systems. • Validate the logic, configuration, thresholds, and alert generation of AML rules and models against approved documentation and business requirements. • Review data integrity and traceability across ingestion, ETL processes, and output layers to ensure consistency and completeness. • Conduct periodic assurance reviews of system performance, including alert quality, false positives/negatives, model drift, and control effectiveness. • Identify and document gaps or deficiencies in data, logic, model configuration, or control design, escalate findings and support remediation efforts. • Ensure that AML systems and tools comply with applicable regulatory requirements, including BSA, USA PATRIOT Act, FinCEN guidance, and NYDFS 504. • Document testing methodology, results, and conclusions with clear, audit-ready workpapers and reports. • Communicate findings and recommendations effectively to stakeholders. • Collaborate with cross-functional teams (e.g., model developers, IT, operations, risk) to improve system performance and resolve issues. • Contribute to the continuous enhancement of the AML model oversight and validation program, including test design, governance processes, and reporting standards.

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.