---
title: 'MLRO Thailand at Xendit'
canonical: 'https://feeny.ai/job/mlro-thailand-xendit-bangkok-eq1nrsk3zywc'
type: 'job'
last_seen: '2026-11-05'
---

# MLRO Thailand at Xendit

- **Company:** Xendit
- **Location:** Bangkok, Thailand
- **Posted:** 2026-11-03
- **Last confirmed live:** 2026-11-05
- **Apply:** https://job-boards.greenhouse.io/xendit/jobs/8036633003

## Job description

[Xendit](https://www.xendit.co/en/) 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.

## Role Purpose

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).

## Key Responsibilities

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.

## Key Qualifications

- 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

## About Xendit

## Company Overview
- **One-liner**: Xendit is a financial technology company that provides payment infrastructure and processing solutions for businesses operating in and expanding across Southeast Asia.
- **Entity Type**: Private (Series D funding, Unicorn status achieved in 2021)
- **Headquarters**: Jakarta, Indonesia
- **Founded**: 2015
- **Founders**: Moses Lo, Tessa Wijaya, Bo Chen, Juan Gonzalez

## Core Business
- **Primary industry/industries**: Financial Technology (Fintech), Payment Processing, Digital Infrastructure
- **Target customers**: B2B — serving enterprises, global businesses expanding into Southeast Asia, startups, SMEs, e-commerce platforms, and marketplaces.
- **Mission or purpose statement**: To make payments simple, helping businesses focus on growth and creating lasting value.

## Products & Services
- **Accepting Payments**: A payment gateway that allows businesses to accept payments via over 100 popular methods, including credit cards, virtual accounts, bank transfers, e-wallets, and QRIS across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong.
- **Payout API**: An API for sending bulk payouts instantly to 450+ banks and e-wallets, including on weekends and public holidays.
- **Recurring Payments**: Automated subscription management for credit cards, e-wallets, and direct debit.
- **Platform Payments**: Solutions for platforms and marketplaces to onboard sub-merchants, split funds, and manage payouts.
- **Financing**: Quick financing options for businesses to fund regional expansion.

## Market Standing
- **Valuation/Market Cap**: Achieved Unicorn status (valuation >$1B) in 2021 after raising $150M in Series C.
- **Key Metric**: Total funding of $538M (including a $300M Series D round in 2022). The company processes over 500 million transactions yearly.
- **Notable Investors/Partners**: Y Combinator (first Indonesian startup to graduate), and other venture capital firms involved in its Series C and D rounds.
- **Growth Signals**: Expanded from Indonesia to the Philippines (2020), Malaysia, Thailand, and Vietnam. Holds a Payment Gateway license from Bank Indonesia. Serves over 10,000 businesses.

## Competitive Advantages
- **Deep Local Integration**: Direct integrations with hundreds of payment methods, navigating the complex, non-card-centric payment landscape of Southeast Asia.
- **Market-First Innovation**: A track record of being first to market with specific payment flows (e.g., auto-debit in the Philippines, digitalizing bank transfers via virtual accounts in Malaysia).
- **Single Platform, Multi-Market**: Allows businesses to unify payments across multiple Southeast Asian countries through a single API and platform, eliminating the need for fragmented integrations.
- **Licensed & Secure**: Fully licensed by regulatory authorities and holds internationally recognized security certifications.

## Strategic Focus
- **Regional Expansion**: Continuing to build a local presence in more countries across Southeast Asia and beyond (including the USA).
- **Product Depth**: Building out a comprehensive financial infrastructure suite that goes beyond payments to include financing and platform management tools.
- **Global-to-Local Strategy**: Enabling global companies to easily enter dynamic Asian markets while helping local businesses scale regionally.

## Why Work Here
- **Culture & Values**: The company's culture is built around five core values: "Be Trustworthy," "Customers First," "Be Golden" (treat others as you wish to be treated), "Honey Badger" (tenacity and intelligence to outmaneuver larger competitors), and "Grow" (continuous learning).
- **Diverse & Inclusive**: Over 600 employees from more than 10 countries, with a 43% female workforce.
- **Unique Hiring Process**: Uses a "trial day" (1-5 days) as a key part of the recruitment process, allowing candidates to demonstrate their skills in a real-world context before an offer is made.
- **Impact**: Employees work on building digital infrastructure that hasn’t existed before, helping power the digital transformation of dynamic markets.
- **Work Policy**: Not explicitly stated, but the company has offices across Southeast Asia (Indonesia, Singapore, Malaysia, Philippines, Thailand, Vietnam) and the USA, suggesting a hybrid/regional in-office model.

## Sources
1. [xendit.co](https://www.xendit.co/en/company/)
2. [xendit.co](https://www.xendit.co/en/careers/)
3. [xendit.co](https://www.xendit.co/en/)
4. [linkedin.com](https://www.linkedin.com/company/xendit)

## Other roles at Xendit

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