Director of Compliance

**Company Description**
Finmo’s cloud-native platform is designed to eliminate the complexities of global payments and financial operations. Our next-generation Treasury Operating System (TOS) empowers global enterprises to seamlessly collect funds, make payments, manage cash flow and liquidity, mitigate financial risks, and ensure compliance—all within a unified interface.

Our mission is to revolutionize treasury operations by simplifying payments, automating essential financial functions, and empowering businesses to transact using the most efficient methods that optimize speed, convenience, and cost-effectiveness.

Built upon real-time payment networks, Finmo facilitates instant fund transfers, precise cash flow forecasting, optimized liquidity management, robust financial risk mitigation, and effortless regulatory compliance. By integrating these critical functions into a single, innovative platform, Finmo sets a new benchmark for financial technology solutions, ensuring clients achieve financial stability and sustained success beyond traditional fund transfers.

Founded in 2021, Finmo is headquartered in Singapore, with additional offices in Australia and India, and plans for further global expansion. We are a venture-backed company, supported by prominent investors, including Quona Capital, PayPal Ventures, and Citi Ventures. Our founding team comprises seasoned payment professionals with over two decades of experience in building global payment infrastructures and companies.

At Finmo, we are committed to upholding core values such as transparency, integrity, effective communication, continuous learning, data-driven decision-making, and customer-centricity. We foster a culture that encourages thoughtful risk-taking and problem-solving, aiming to balance perfection with timely execution.

As the Director of Compliance, you will play a critical role in helping to shape and execute Finmo’s global regulatory compliance strategy. This role will focus on regulatory risk management, policy development, monitoring compliance processes, and ensuring alignment with complex and global regulatory obligations.

Reporting directly to the Chief Compliance Officer (CCO), you will help to drive the strategic compliance agenda, ensuring regulatory alignment across Finmo’s global operations. You will act as a trusted advisor to executive leadership, providing insight on regulatory risks while enabling the company’s international expansion. Additionally, you will be the primary point of contact for regulators, financial institutions, and law enforcement bodies across multiple regions.

This role requires a proactive and highly strategic leader who thrives in a fast-paced, technology-driven environment, with a deep understanding of global financial regulations, risk management, and compliance best practices.

Most importantly, you will bring a passion for building and sustaining robust regulatory compliance programs, with a focus on fostering a strong culture of compliance and operational excellence across the organization.

**Key Responsibilities**

**Strategic Leadership & Compliance Oversight**
- Enhance Finmo’s global compliance framework, ensuring alignment with international regulations, including those from MAS (Singapore), AUSTRAC (Australia), FinCEN (U.S.), FCA (UK), and European regulatory bodies.
- Establish and maintain policies, procedures, and governance structures to proactively manage regulatory risks in cross-border payments, financial services, and digital transactions.
- Act as a senior advisor to the executive leadership team, providing strategic guidance on compliance risks, emerging regulatory developments, and global best practices.

**Regulatory Engagement & Relationship Management**
- Serve as the primary liaison with regulatory authorities, including MAS, AUSTRAC, FCA, FinCEN, and the European Central Bank, ensuring transparent and proactive regulatory engagement.
- Lead regulatory audits, inspections, and inquiries, ensuring timely responses and effective resolution of compliance-related matters.
- Monitor and analyze regulatory developments across key markets, advising leadership on potential business impacts and required compliance adjustments.

**Compliance Program Development & Risk Management**
- Oversee the execution and refreshers of Enterprise-Wide Risk Assessments (EWRA), Regulatory Gap Analysis, and Compliance Risk Reviews to ensure continuous regulatory adherence to ongoing obligations
- Develop a global compliance monitoring and reporting framework, enabling Finmo to track and assess compliance risks efficiently across jurisdictions.
- Enhance Finmo’s AML/CFT compliance program, ensuring robust transaction monitoring, sanctions screening, and fraud prevention in alignment with MAS’s Payment Services Act, AUSTRAC AML/CTF Rules, and FATF recommendations.

**Cross-Functional Collaboration & Compliance Integration**
- Partner with Product, Engineering, and Operations teams to embed com