MLRO Thailand

Xendit is an enterprise payments platform powering complex financial operations across Southeast Asia and global markets. We provide a unified API layer combining payment processing, global payouts, localized FX, identity compliance, and fraud protection. As a trusted financial partner backed by top-tier global investors, Xendit processes high-throughput transaction flows for leading global platforms including Meta, Traveloka, ByteDance, Wise, and Grab, building resilient payment infrastructure to drive regional commerce forward.

The MLRO is the appointed Anti-Money Laundering and Counter-Terrorism Financing (AML/CFT) officer responsible for the design, implementation and ongoing effectiveness of Xendit Thailand's AML/CFT, sanctions and financial crime compliance framework. The role acts as the primary liaison with the Anti-Money Laundering Office (AMLO), law enforcement agencies and other regulators e.g. Bank of Thailand (BOT).

Country Office Responsibilities:

TH operations Responsibilities:

• Act as the appointed MLRO and maintain overall accountability for the AML/CFT framework and a point of contact to AMLO.
• Develop, implement and continuously enhance AML/CFT, sanctions, fraud and financial crime policies.
• Perform enterprise-wide AML/CFT risk assessments and ensure mitigating controls remain effective.
• Lead regulatory inspections, audits and information requests from AMLO and other authorities.
• Provide AML/CFT advisory support for new products including payment gateway, direct acquiring, payment orchestration, payouts, remittance (where applicable), QR payments and cross-border services.
• Prepare AML/CFT MI reports, KRIs and Board/Management Committee reporting.
• Lead remediation actions arising from audits, regulatory reviews and internal assessments.
• Develop & Oversight AML/CFT training programmes and foster a strong compliance culture.
• Responsible for AML reporting & support BOT regulatory reporting.

• Oversee Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), ongoing monitoring and customer risk rating.
• Handle escalations from the Merchant Operations (MO) team regarding onboarding of merchants.
• Handle name-screening escalations from L1 analysts during real-time monitoring.
• Handle escalations from L1 analysts during post-transaction monitoring.
• Review STR investigations escalated from L1 analysts and prepare Suspicious Transaction Reports (STRs) and regulatory filings to AMLO.
• Govern sanctions screening (customer and transaction), adverse media screening, and PEP reviews.

• Bachelor's degree in Law, Finance, Business, Risk Management, Compliance or related discipline.
• At least 8 years' experience in AML/CFT, financial crime compliance or regulatory compliance within banks, payment service providers, fintech or financial institutions.
• Experience engaging directly with AMLO or other financial regulators.
• Strong knowledge of the Payment Systems Act, AMLO AML/CFT requirements, sanctions obligations and relevant international standards (FATF).
• Professional certification such as ACAMS, ICA or equivalent is preferred.

Core Competencies

• Strong regulatory judgement and risk management mindset.
• Excellent stakeholder management and communication skills.
• Commercially minded while maintaining regulatory independence.
• Ability to work effectively in a fast-paced fintech environment.
• High integrity and sound ethical standards.

Authority

The MLRO has authority to escalate material AML/CFT issues directly, Head of Compliance, senior management and the Board, request information from all business units, require remediation of AML/CFT control weaknesses, and independently determine STR filing decisions in accordance with applicable laws and regulations.

Key Regulatory References

• Anti-Money Laundering Act B.E. 2542 (as amended)
• Relevant AMLO Notifications
• Bank of Thailand regulations applicable to Payment Service Providers
• FATF Recommendations