About Us

Finmo is a next-generation Treasury Operating System that enables CFOs to see their financial operations in real time and forecast what’s coming next. It unifies payments, cash and liquidity management, FX risk management, and financial reporting into a single intelligent platform, transforming fragmented data into connected, actionable intelligence.

Finmo is backed by leading fintech investors. Our oversubscribed US$18.5M Series A was co-led by PayPal Ventures and Quona Capital, with participation from Citi Ventures, bringing total funding to US$27M.

We are also recognized by respected industry institutions, including:

• CB Insights Fintech 100 (2025) — named among the 100 most promising private fintech companies
• Forbes Asia “100 to Watch” (2025)
  
  

Founded in 2021, Finmo is headquartered in Singapore, with additional offices in Australia, Malaysia and India, and plans for further global expansion, we are committed to upholding core values such as curiosity, integrity, attitude and customer-centricity. We foster a culture that encourages thoughtful risk-taking and problem-solving, aiming to balance perfection with timely execution. For more information, please visit our website at www.finmo.net

About the role

We are seeking an experienced Money Laundering Reporting Officer (MLRO) to lead Finmo’s regulatory and financial crime compliance framework in Hong Kong.

This is a critical regulatory role under the Hong Kong Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO), responsible for:

• Acting as the appointed MLRO for the Hong Kong entity
• Owning and defending the AML/CFT framework end-to-end
• Serving as the primary interface with regulators and law enforcement
• Ensuring Finmo scales in Hong Kong without compromising compliance integrity

The MLRO is expected to exercise independent judgment in the discharge of AML/CFT responsibilities, including escalation and reporting decisions where necessary.

The role is suitable for someone who thrives in a fast-paced, technology-driven environment, with strategic oversight and hands-on execution, and who works closely with product, operations, and global compliance teams.

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 organisation.

Key Responsibilities

MLRO & Regulatory Accountability (Core Mandate)

• Act as the designated MLRO for Finmo Hong Kong, with full accountability for AML/CFT compliance
• Review, investigate, and determine escalation of internal suspicious activity reports (SARs) and file external reports to relevant authorities (e.g. JFIU)
• Serve as the primary liaison with regulators and law enforcement agencies
• Ensure compliance with AMLO, MSO licensing requirements, and applicable regulatory guidelines
• Establish and maintain policies, procedures, and governance structures to proactively manage compliance and financial crime risks in cross-border payments, fintech, and digital financial services
• The role will maintain direct access to senior management and governance stakeholders where required in the discharge of MLRO responsibilities.

AML/CFT Framework Management

• Continuously enhance Finmo’s AML/CFT framework across KYB/KYC standards, transaction monitoring and screening, sanctions and PEP controls, and EDD standards for higher risk sectors such as financial services, fintechs, and VASPs
• Ensure suspicious transaction monitoring and reporting processes are robust and defensible
• Drive a risk-based approach across onboarding, monitoring, and periodic reviews

Product & Business Enablement

• Partner closely with Global Compliance, Product, Engineering, and Operations teams to embed compliance into product design and payment flows, while enabling compliant launches of new features and corridors
• Assess AML/CFT risks associated with new products, payment flows, corridors, partnerships, and technology implementations prior to launch
• Provide clear, practical guidance on regulatory requirements in Hong Kong without slowing down business unnecessarily
• Support commercial and banking discussions, including banking partner due diligence, compliance reviews, and governance discussions

Regulatory Engagement & Licensing

• Lead interactions with Hong Kong regulators, including the Customs & Excise Department and HKMA where relevant, as well as law enforcement agencies
• Support licensing applications, renewals, and ongoing regulatory obligations
• Manage regulatory inspections, audits, and thematic reviews
• Represent Finmo in regulatory engagements, industry forums, and governance discussions

Governance, Reporting & Assurance

• Prepare materials and provide regular reporting and updates to senior management, governance committees, and Board stakeholders where required.
• Ensure strong second-line oversight across regulatory compliance and financial crime controls
• Drive remediation of control gaps identified via audits, reviews, or incidents
• Maintain a clear and auditable trail of compliance decisions and actions

Training and Culture

• Develop and deliver AML/CFT training programmes tailored to business units
• Promote a strong compliance culture across the Hong Kong entity
• Act as a trusted advisor to internal stakeholders

Required knowledge and experience

• 5+ years of compliance Experience in the financial services, fintech, or payments industries, with expertise in regulatory risk management and global compliance frameworks.
• Experience in fintech / payments / startup environments highly preferred
• Prior experience as MLRO / Deputy MLRO / FCC Lead in Hong Kong strongly preferred
• Proven track record in AML/CFT programme design and execution, regulatory engagement and audits, as well as transaction monitoring and investigations
• Strong working knowledge of Hong Kong AMLO requirements, MSO licensing regimes, FATF standards, KYB/KYC frameworks, transaction monitoring systems, and suspicious transaction reporting obligations
• Demonstrated sound judgement and independence, particularly in high risk or sensitive compliance matters
• Ability to balance risk vs business pragmatism
• Clear and confident communication with regulators and senior stakeholders
• Ability to make sound, risk-based decisions in complex or time-sensitive situations
• Comfortable operating strategically while remaining close to operational execution and decision-making (not purely advisory)
• Ability to build and mature compliance controls within a high-growth and evolving operating environment.

Preferred Qualifications

• Experience in cross-border payments, merchant acquiring, virtual accounts, stored value flows, or money services businesses (MSB) is advantageous.
• Experience working with regulatory bodies (HKMA, E&CD, MAS, AUSTRAC etc).
• Industry certifications such as ACAMS, ICA, or OCEG Compliance & Risk Management qualifications.
• Project management expertise (PMP, Lean Six Sigma, or equivalent) is a plus

Finmo is an equal opportunity employer committed to building a diverse and inclusive workplace. We welcome applicants from all backgrounds and make employment decisions based on merit, qualifications, experience, and business needs. We do not discriminate on the basis of race, religion, gender, age, nationality, disability, marital status, or any other protected characteristic under applicable laws.