Director - Transaction Banking, Technology Risk Compliance, Compliance Dept, Asia Pacific Division

• Act as the trusted Compliance adviser to Transaction Banking business and product, operations and technology teams across cash management, payments, trade finance, liquidity solutions, virtual accounts, digital channels and cross-border services.
• Engage early on new products, material changes and strategic initiatives to provide independent regulatory advice and challenge.
• Independently assess and challenge whether the first line has adequately addressed regulatory, conduct, AML, sanctions and fraud risks, including virtual-account eligibility and structures, underlying-party transparency, identifier misuse, mule or pass-through activity, monitoring, reconciliation and data quality.
• Challenge governance, customer outcomes, cross-border considerations, controls and remediation, and escape material concerns.

Job Responsibilities

Transaction Banking Compliance Advisory

• Act as the trusted Compliance adviser to Transaction Banking business and product, operations and technology teams across cash management, payments, trade finance, liquidity solutions, virtual accounts, digital channels and cross-border services.
• Engage early on new products, material changes and strategic initiatives to provide independent regulatory advice and challenge.
• Independently assess and challenge whether the first line has adequately addressed regulatory, conduct, AML, sanctions and fraud risks, including virtual-account eligibility and structures, underlying-party transparency, identifier misuse, mule or pass-through activity, monitoring, reconciliation and data quality.
• Challenge governance, customer outcomes, cross-border considerations, controls and remediation, and escape material concerns.

Technology Risk Regulatory Compliance

• Provide independent second-line advice and challenge on technology risk, cyber security, data, AI and incident-reporting requirements from regulatory compliance perspective.
• Support Compliance QA as an independent technology risk subject matter expert while preserving QA independence.
• Monitor regulatory developments, escape material concerns and report concise insights to senior management and governance committees.

Third-Party Risk Management, Outsourcing & Operational Resilience

• Collaborate with Risk Management to provide independent second-line advice and challenge on third-party risk, outsourcing and related operational resilience requirements.
• Challenge the first line’s assessment and management of material arrangements, including due diligence, contracting, concentration risk, ongoing monitoring, business continuity, critical dependencies, recovery and exit planning.

Job Requirements

• Degree in Information Technology, Cyber Security, Risk Management, Finance, Law or a related discipline, with at least 12 years’ relevant experience in financial services.
• Strong experience as a Compliance partner to Transaction Banking or institutional banking, with sound knowledge of virtual accounts and associated regulatory, conduct, AML, sanctions and fraud risks.
• Working expertise in technology risk regulations, third‑party risk, outsourcing and operational resilience, including engagement with IT, Risk Management and assurance teams.
• Strong judgement, stakeholder management and influencing skills, with the ability to translate complex risks into clear regulatory and commercial implications.
• Collaborative, and team oriented.
• High level of integrity, attention to detail, ownership, and accountability.