[About the Role]

- We are seeking a proactive and detail-oriented Compliance Officer to support our Australian compliance operations, with a focus on Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF), customer due diligence, transaction monitoring, and regulatory compliance.
- The successful candidate will be responsible for conducting in-depth compliance reviews, investigating escalated cases, assessing financial crime risks, and ensuring compliance with applicable Australian regulatory requirements.
- This role will work closely with regional compliance teams and internal stakeholders to strengthen compliance controls, enhance operational processes, and support Sentbe's ongoing business operations and regulatory expansion initiatives.

[Key Responsibilities]

- 1. Regulatory Compliance & Reporting
- Manage compliance with applicable requirements under the Australian AML/CTF Act, AML/CTF Rules, and relevant AUSTRAC guidance.
- Assist with regulatory reporting obligations, including Suspicious Matter Reports (SMRs), Threshold Transaction Reports (TTRs), and International Funds Transfer Instruction (IFTI) reports, where applicable.
- Maintain regulatory reporting records and assist in tracking submission deadlines.
- Support regulatory enquiries, internal reviews, and compliance audits.
- Assist in monitoring regulatory developments and updating internal procedures accordingly.
- 2. Compliance Administration & Internal Controls
- Maintain compliance registers, customer records, and audit trails.
- Assist in preparing compliance reports, management updates, and internal documentation.
- Coordinate with Operations, Business Development, and other internal teams to resolve compliance-related matters.
- 3. Regulatory Compliance
- Support compliance-related projects, including regulatory registrations, licensing assessments, and new product initiatives.




- Assist in reviewing compliance requirements relating to remittance services, digital assets, and emerging payment technologies.
- Coordinate documentation and information requests with internal stakeholders and external advisers.
- 4. AML/CTF Compliance Operations
- Implement and maintain the company's AML/CTF policies, procedures, and internal controls.
- Conduct Customer Due Diligence (CDD), Know Your Customer (KYC), and Enhanced Due Diligence (EDD) reviews as needed for individual and corporate customers.
- Perform customer screening against sanctions, Politically Exposed Persons (PEP), and adverse media databases.
- Support periodic customer reviews and ongoing due diligence activities.
- Maintain accurate compliance records and supporting documentation.
- 5. Transaction Monitoring & Financial Crime Prevention
- Review and investigate escalated transaction monitoring alerts, including unusual or potentially suspicious transaction patterns.
- Conduct detailed transaction analysis to identify potential money laundering, terrorism financing, fraud, sanctions, and other financial crime risks.
- Assess transaction activity against customer profiles, expected business activities, and identified risk indicators.
- Prepare comprehensive investigation findings, risk assessments, and documented recommendations for case closure or further escalation.
- Support the enhancement of transaction monitoring rules, thresholds, and financial crime detection scenarios.

[Requirements]

[Qualifications & Experience]

- Bachelor's degree in Law, Business, Finance, Accounting,



or a related discipline.
- At least 5 years of relevant experience in AML/CTF compliance, financial crime investigations, KYC/EDD, transaction monitoring, or regulatory compliance.
- Experience in financial services, fintech, banking, payment services, or remittance businesses is preferred.
- Working knowledge of the Australian AML/CTF regulatory framework and AUSTRAC requirements.
- Practical experience conducting EDD reviews, transaction investigations, and preparing documented risk assessments.
- Prior experience in fintech, remittance, payments, banking, or financial services would be advantageous.

[Skills & Competencies]

- Strong attention to detail and analytical skills.
- Good written and verbal communication skills.
- Ability to manage multiple tasks and meet deadlines.
- Proficiency in Microsoft Excel, Google Sheets, and other productivity tools.
- Strong organisational skills and willingness to learn.
- Ability to work independently while collaborating with regional and cross-functional teams.

[Preferred Qualifications]

- Familiarity with AUSTRAC reporting requirements and AML/CTF compliance obligations.
- Experience using transaction monitoring, customer screening, or KYC systems.
- Knowledge of cross-border payments, remittance services, or digital asset-related businesses.
- Relevant AML/CTF certifications or professional training would be an advantage.

[What We Offer]

- Exposure to compliance operations across international remittance and fintech markets.
- Opportunities to participate in regulatory projects and business expansion initiatives.
- Practical experience in AML/CTF, financial crime prevention, and regulatory compliance.
- A collaborative working environment with regional compliance teams.
- Opportunities for career development and career progression within the Compliance function.

📌 Compliance Officer (Australia)
🏢 SentBe(센트비)
📍 Australia