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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 team-oriented working environment with regional compliance teams.
• Opportunities for professional development and career progression within the Compliance function.

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