About Us
Razorpay is India's leading full-stack Payments and Banking Platform, powering the digital financial infrastructure for over 10 million businesses. Founded in 2015, Razorpay enables businesses to accept, process, and disburse payments with ease, while offering innovative products across Payments, Capital, and Banking. Backed by marquee investors like Sequoia Capital India, Tiger Global, and Y Combinator, Razorpay is transforming the way businesses manage money and scale sustainably.
As part of its international expansion strategy, Razorpay acquired Curlec, a Kuala Lumpur-based full-stack payments solution, to establish a strong presence in Southeast Asia. Razorpay Curlec has since become an integral part of Razorpay's vision to simplify financial operations for businesses across the region. Building on this momentum, Razorpay is now expanding into Singapore, marking its next strategic step in the Southeast Asia
About the Role
This is a key strategic role for an experienced compliance professional to act as a supporting regulatory advisor and operational lead within the regional compliance framework. You will be instrumental in strengthening our control environment, ensuring our policies are robust and audit-proof, and providing the foresight needed for compliant regional expansion. You will execute critical compliance functions to support the Company's regulatory efforts.
Responsibilities
- Compliance Framework Architect
- Maintain and enhance the existing compliance framework, responsible for the development, review, and refinement of critical policies and Standard Operating Procedures (SOPs).
- You will ensure that all documentation is comprehensive, defensible, and aligned with Bank Negara Malaysia (BNM) regulatory requirements and relevant local guidelines.
- Track any new guidelines/ regulation issued by BNM (relevant to business/ activities of the Company) and publish analysis and actionable to Sr. Management and Gr. Compliance team.
- Risk Intelligence & Assessment
- Drive the collection, analysis, and strategic assessment of institution-wide risks in accordance with Bank Negara Malaysia's risk management guidelines.
- You will assess inherent risks and control effectiveness across all operational pillars, including customer segments, products, geographic locations, and delivery channels, to ensure our risk posture is accurately understood and managed.
- High-Tier Case Adjudication
- Serve as the senior adjudication point (L3 review) for complex escalations originating from both merchant onboarding and transaction monitoring.
- This includes conducting Enhanced Customer Due Diligence (ECDD) reviews, investigating sophisticated typologies, and making recommendations on high-risk cases for final approval.
- System & Control Calibration
- Assist in the strategic calibration of our compliance systems. This involves the detailed review, back-testing, and tuning of transaction monitoring rules and name screening parameters to enhance detection accuracy and operational efficiency.
- You will document the rationale for all proposed changes to ensure a clear audit trail.
- Regional Expansion & Licensing Support
- Conduct in-depth research and analysis of the regulatory landscapes across Southeast Asia.
- You will provide critical intelligence for new licensing initiatives, assist in the preparation of application materials for submission to regional regulators, and support leadership by providing assistance for regulatory interviews and meetings.
Requirements
- At least 5 years of experience in risk management, compliance, or governance in a related industry, the IT industry, or the financial services industry. Experience in the payments sector is highly advantageous.
- Deep, practical knowledge of the Malaysian regulatory framework, and their operational application.
- You must possess proven expertise in AML/CFT, Customer Due Diligence (CDD/KYC), transaction monitoring, and sanctions screening.
- Exceptional analytical and problem-solving skills, with the ability to translate complex regulatory requirements into clear, actionable operational procedures.
- Able to lead and has strong stakeholder management skills.
- Excellent written and verbal communication skills, able to analyze information very well, has strong attention to detail, and has strong organizational skills.
- Able to be assertive as required, rationalize stances taken, and plan ahead in a constructive manner.
- Has problem-solving skills, acts with integrity, and has an investigative mindset.
- Additional consideration will be given to candidates who are ACAMS or ICA certified, or who are legally trained.
If you think this description has you written all over it, we'd love to hear from you!
