Who are we?

dtcpay is a MAS licensed payment service provider that bridges traditional finance and digital assets. We enable businesses to accept and make payments in both fiat and digital currencies, delivering secure, effective, and seamless payment experiences across borders. As we expand globally, we are shaping the future of digital payments.

We are also recognised as one of Singapore’s Top 10 Startups in the LinkedIn Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team.

As we pursue our licensing objectives in Australia, we are seeking a dedicated Regulatory Compliance Officer to serve as our Money Laundering Reporting Officer (MLRO) and anchor our compliance function in the market.

What you’ll do:

- Support the Global Compliance Head for oversight of all Australia compliance-related processes, including management information/weekly internal reporting
- Lead and support dtcpay’s AFSL licensing, including preparation of required regulatory submissions and documentation as part of the license application process.
- Act as dtcpay’s nominated MLRO under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act), responsible for receiving, reviewing, and determining the outcome of internal suspicious matter reports.
- Support day-to-day regulatory advisory, including overseeing customer due diligence (CDD/EDD) processes and maintaining the AML/CTF Program in compliance with AUSTRAC and ASIC regulatory requirements.
- Identify new or amended regulations that impact the organisation and advise the business accordingly, with a focus on AUSTRAC and ASIC relevant to payments and digital assets.
- Conduct timely gap assessments where there are updates from AUSTRAC, ASIC, or other applicable regulatory bodies, and work with relevant teams to close identified gaps.




- Liaise with respective stakeholders to update compliance policies and procedures, ensuring gaps identified during assessments are addressed while maintaining pragmatic application of regulatory requirements in business operations.
- Serve as the primary regulatory liaison with AUSTRAC, ASIC, and other relevant bodies in Australia.
- Support and manage regulatory inspections and examinations, where required.
- Maintain regulatory registers and make necessary filings with the relevant regulator(s), where required.
- Produce and file Suspicious Matter Reports (SMRs), Threshold Transaction Reports (TTRs), and International Funds Transfer Instructions (IFTIs) via AUSTRAC Online or ASIC regulatory portal, within required timeframes.
- Proactively identify scenarios that may present significant risk to the organisation to ensure timely reporting of salient risks and propose appropriate risk controls and mitigation measures.
- Keep abreast of industry developments and best practices in AML/CTF compliance and the broader Australian financial services regulatory landscape.
- Act as the primary point of contact for independent audits of the AML/CTF framework.
- Develop and deliver AML/CTF training programs for Australian staff and foster a strong compliance culture across the business.

What we’re looking for:

- Bachelor’s Degree or above in Accounting, Finance, Business, Law, Economics, or a related field.
- Minimum 7 years of working experience in compliance-related roles,



with at least 4 years in an AML/CTF or regulatory compliance role within the Financial Services or Fintech industry in Australia.
- Strong understanding of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act), AUSTRAC & ASIC rules and regulatory guidance, and the broader Australian financial services regulatory framework.
- Prior experience as an MLRO, Deputy MLRO, or Senior AML Compliance Manager at an AUSTRAC/ASIC-regulated reporting entity is strongly preferred.
- Demonstrated experience supporting or managing a financial services license or registration application in Australia (AFSL or DCE registration) is a strong advantage.
- Preference for candidates holding certifications from the Australasian Compliance Institute (ACI) or International Compliance Association (ICA). Being a Certified Anti-Money Laundering Specialist (CAMS) is a strong plus.
- Familiarity with AUSTRAC Online & ASIC regulatory portal for SMR, TTR, and IFTI reporting and regulatory submissions.
- Knowledge of corresponding regulations across other jurisdictions, particularly Singapore, Hong Kong, or Malaysia, would be a strong plus.
- Familiarity with digital assets, cryptocurrency, or payments-related regulatory frameworks is highly advantageous.
- Excellent communication and business partnering skills with the ability to collaborate effectively across multiple stakeholders, including regulators, senior management, and cross-functional teams.
- Excellent written and verbal communication skills. Bilingual ability (Mandarin/English) is preferred.
- Excellent analytical and critical thinking skills.
- High ethical and integrity standards, self-driven, fast-learning, and independent.
- Candidates must be prepared to undergo fit and proper assessments as required by AUSTRAC and/or ASIC as part of the license application process.

📌 Regulatory Compliance Manager (MLRO) (Sydney)
🏢 dtcpay
📍 Sydney