蚂蚁金服Ant Group-Merchant Services, Oversight Manager-USA
任职要求
Experience in vendor oversight, third-party risk management, AML compliance, or regulatory operations within financial services or fintech environment. Demonstrated experience enforcing U.S. BSA-AML laws and regulations, including in cross-border or global delivery environments. Strong knowledge of U.S. regulatory expectations regarding outsourcing and third-party risk, including those from FinCEN, and other authorities. Proven ability to manage escalations and lead cross-functional teams through remediation planning and execution. Excellent written and verbal communication and influencing skills, with experience preparing reports and presenting findings to senior leadership, auditors, or regulators. High attention to detail, strong organizational skills, and the ability to manage multiple priorities in a fast paced, highly regulated environment. Comfortable working across time zones and cultures, with a collaborative approach to governance in globally distributed teams.
工作职责
The Oversight Manager is responsible for overseeing performance of outsourced functions (operations, affiliate), ensuring affiliates and outsourced entities operate in alignment with internal policies, contractual requirements, and applicable regulatory obligations. This role proactively manages issues, drive timely remediation, monitor adherence to expectations, and support ongoing enhancements to the outsourced oversight program. Success requires strong regulatory fluency, stakeholder coordination, and a structured, detail-oriented approach to oversight in a complex operational landscape. Main Responsibilities - Oversee the performance of outsourced/reliance functions and services, ensuring alignment with internal policy, contractual obligations, and regulatory standards – including enforcement of U.S. BSA-AML requirements. - Conduct periodic performance and compliance reviews of vendors and outsourced entities, with a focus on AML control execution, and SLA adherence. - Develop and maintain oversight protocols that reflect U.S. legal and regulatory expectations, applying consistent standards across all global outsourced operations. - Monitor for non-compliance with U.S. AML-BSA laws and internal controls; initiate timely escalation and enforce corrective actions as needed. - Lead cross-functional remediation efforts involving vendors and internal teams when performance issues or control failures arise. - Serve as the central liaison between internal stakeholders and affiliates/outsourced parties, ensuring regular reviews and alignment on regulatory expectations. - Validate that outsourcing relationships support the organization’s U.S. legal obligations, particularly under the BSA, FinCEN guidance, and related AML statutes. - Support regulatory examinations, audits, and internal reviews by providing documentation of oversight, monitoring activities, and remediation history. - Educate internal and external stakeholders on the application of U.S. laws in outsourced environments and advocate for consistent control execution across borders.
AUS Merchant Service.INC as known as Alipay that is committed to democratizing payment services and empowering people and businesses to join and thrive in the global economy. Alipay at its core is a group of engineers that are dedicated in building cutting edge, highly reliable, highly scalable and high throughput payment system. Here at Ant Group, you will have a positive impact to the world. You will learn and build the most exciting and most capable large-scale payment system with engineers like you with passion. A career at Alipay is more than just a job. It’s a chance to have broader knowledge and learn things from all aspects of how to make payments happen. At Alipay, we value personal growth and always set higher bar, encourage people to come out of comfort zone and make yourself a better you. You can expect to be constantly challenged with interesting technical problems. Our work environment is collaborative, innovative, results-driven, and completely focused on the customer. The Solution Engineer (SE) role resides within the Alipay Enterprise Presale Integration Solution (PIS) team and is responsible for critical activities such as integration solution creation, presentation and projects' implementation and maintenance. This person functions as a regional primary Technical Force for the Alipay global services and provides a single point of contact for any relevant technical consultation required by external and internal partners. This role provides deliveries for quality-focused activities such as requirements Integration Detail reviews, Technical Design reviews, Test Plan reviews, and Impact Analysis reviews. Working closely with the BD and PD teams, the SE role consistently ensures that any new Integration being done appropriately with the internal/external teams aligns with the direction, best practices, and standards defined. Finally, the SE must be able to present applicable advances and changes to help drive future-looking initiatives.
• 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
The role: We are seeking a high calibre Legal Counsel with regulatory and commercial background to join our fast growing and dynamic legal team in London. You will work closely with all areas of the business and take a collaborative approach to solving complex legal challenges. We are part of a worldwide fintech company in fast expansion, that values its employees and is committed to organic professional growth. We are seeking a skilled lawyer willing to be part of, and bring value to, our business and growth in the EMEA region. About us: We are a fast growing payment and technology business in EMEA. As part of the bigger Ant Group headquartered in China, we represent one of the key international hubs for Ant Group’s international business in providing B2B and B2C payment and product solutions to global and local fintech players, banks, merchants, users and alike. Our key business lines in EMEA include partnering with strategic fintech players, merchant/card acquirers, financial institutions, strategic global merchants, SMEs in order to provide top-notch online and offline payment solutions. You will be expected to: Understand and translate into business-friendly language the directives, laws, and regulations that apply to payment networks, payment schemes, payment service providers and other participants in the payments industry. Work in a muti-cultural environment, being demanded to interact with internal stakeholders across the entire globe. Provide clear, timely and actionable legal advice to cross-border and cross-functional stakeholders on products and features being developed and launched by UK and EEA e-money/payment institutions to ensure we comply with relevant regulatory requirements whilst meeting our customers’ needs. Advise on product structure and draft/negotiate contracts with internal stakeholders and external counterparties. Act as a trusted adviser to management on key regulatory matters impacting the business across the EMEA region, including working closely with subject matter experts in compliance, AML, data privacy. Identify productivity improvements and help deliver process change. Act as a strategic business partner and help the business continue to expand internationally; researching and evaluating new territories and providing creative, proactive and results-oriented advice.
This is a great opportunity to advance your career with a stable and expanding organization as a member of Ant Group’s Risk Management team. You will focus on creating a cutting-edge international merchant risk control system. We provide an innovative and open work environment where you have the opportunity to work with top international AI and risk control experts. You will focus on ensuring our business activities remain safe, compliant and well-positioned for future opportunities and sustainable growth. Responsibilities: - Thoroughly analyze various types of data about the user, transaction, etc., excavate risk characteristics - Support the build of a user risk profile including designing a comprehensive user risk quantification strategy for batch registeration, promotion abuse, fraud, and arbitrage etc. - Create a data-driven strategy to support business risk decision-making to ensure the healthy, compliant and sustainable development of international business - Collaborate with teams such as algo, policies, products, technology, and operations to build and improve an AI based merchant quantitative risk management platform, and create merchant security solutions and service products; - Assist risk management team with departmental initiatives and other duties as assigned