About Atome Financial
Headquartered in Singapore, Atome Financial is building a world-class tech enabled financial services platform that is the best companion of our customers lifetime. As a part of the Advance Intelligence Group, a Series D fintech unicorn and ranked Top 10 on LinkedIn's 2023 Top Singapore StartUps list with over 1,400+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life--for our customers, colleagues and communities.
Atome Financial operates in 5 ASEAN markets (Singapore, Malaysia, Indonesia, Philippines, and Thailand). We have 3 key products:
- Atome BNPL: A leading buy now pay later brand in ASEAN and partners over thousands of online and offline brands
- Atome Card: A paylater anywhere card.
- Kredit Pintar: A leading Indonesia digital lending apps, regulated and supervised by Indonesia's Financial Services Authority (OJK).
Our culture is built on values that are core to who we are and what we stand for:
- We foster an INNOVATION mindset
- We achieve results with EFFICIENCY and excellence
- We take pride in the QUALITY of our work
- We uphold INTEGRITY in all we do
- We embrace COLLABORATION to work across business lines and borders
Position Summary
We're seeking a
Senior Compliance Officer to lead the compliance function for our Payment Service Provider (PJP) business in Indonesia. Based in Jakarta, this is a senior role responsible for ensuring full regulatory compliance with Bank Indonesia's requirements and supporting the delivery of innovative BNPL services to Indonesian customers.
You will be the compliance lead for the PJP entity, accountable for regulatory engagement, AML/KYC oversight, and the design of compliance frameworks that enable responsible growth.
Reporting directly to the
Head of Group Compliance, you will collaborate with senior compliance leaders across other business lines to build a unified approach to compliance while tailoring frameworks to the Indonesian market.
While there may eventually be scope to manage and mentor a team, this role is ideal for someone who is also able to thrive as an individual contributor, enjoys solving complex regulatory questions, and is comfortable navigating ambiguity in a fast-paced fintech environment.
This is an opportunity to take ownership of compliance in a high-growth fintech environment a role that offers independence, visibility with regulators, and a direct impact on the success of a new business line.
KEY RESPONSIBLITIES
Compliance Risk Management
- Act as the designated person-in-charge (PIC) for compliance and AML with Bank Indonesia
- Ensure compliance oversight for QRIS (domestic, cross-border, and QRIS TUNTAS) and e-money services in accordance with Bank Indonesia regulations
- Build and implement compliance frameworks, policies, and SOPs (AML/CFT, KYC, outsourcing, consumer protection, complaints handling)
- Ensure data protection and outsourcing frameworks address BI requirements for storage, security, and third-party integration.
- Monitor compliance risks across the business and lead remediation of findings or gaps
- Carry out compliance work directly, with the ability to expand into team leadership as required
Regulatory Engagement
- Serve as the primary contact point with Bank Indonesia (BI) for licensing, regulatory reporting, and supervisory matters.
- Liaise with OJK on BNPL/multifinance compliance requirements where relevant
- Represent the company in regulatory and industry forums (e.g. BI, OJK, AFPI, industry associations)
- Build and maintain strong working relationships with regulators and industry peers
Compliance Business Advisory
- Provide clear, timely compliance guidance to business teams on new products and initiatives
- Ensure ongoing product and operational alignment with BI's PJP regulations
- Support Board of Directors/Commissioners in governance obligations, including BoD/BoC meetings and regulatory submissions
Training & Awareness
- Lead internal compliance training to build a strong compliance culture across the organisation
- Drive AML/CFT awareness programmes and support literacy initiatives in the fintech/BNPL ecosystem
Regulatory Reporting & Oversight
- Ensure timely and accurate submission of all BI reports and compliance returns
- Lead regulatory examinations and audits, ensuring full cooperation and strong outcomes
- Proactively track regulatory developments and assess impact on the company's operations
Requirements
Minimum Requirements
- Bachelor's degree or equivalent practical experience in Law, Finance, Accounting, or related field
- 79 years of compliance or regulatory experience within fintech, payments, e-money, or banking
- Proven experience dealing directly with Bank Indonesia (PJP licensing, regulatory reporting, or supervisory inspections)
- Strong working knowledge of AML/CFT regulations and practical experience as AML officer preferred
- Familiarity with OJK regulations (multifinance/consumer credit) an advantage
- Fluent in Bahasa Indonesia; working proficiency in English
- Strong analytical skills, attention to detail, and ability to handle multiple priorities
- High integrity, ownership, and ability to work both autonomously and collaboratively
- Credibility and confidence in engaging with senior regulators, Board members, and external stakeholders
- Jakarta-based; open to occasional domestic travel
Preferred
- Direct experience with Bank Indonesia's PJP regulations or prior work at a PJP-licensed institution.
- Familiarity with OJK consumer finance, multifinance, or P2P lending regulations.
- Background in fintech, payments, or e-money companies.
- Experience building and scaling compliance frameworks in a fast-growing business.
WHY JOIN US
- Opportunity to play a critical role in securing and maintaining our PJP licence with Bank Indonesia
- Shape the compliance framework of a new, high-growth fintech business in Indonesia
- Start as an individual contributor and potentially grow into a leadership role as the business expands
- Exposure to senior leadership and regional compliance networks
- Competitive compensation package aligned with market for senior compliance professionals
