Who Are We
dtcpay is a MAS licensed payment service provider that bridges traditional finance and digital assets. We enable businesses to accept and make payments in both fiat and digital currencies, delivering secure, efficient, and seamless payment experiences across borders. As we expand globally, we are shaping the future of digital payments.
We are also recognised as one of Singapore's Top 10 Startups in the LinkedIn Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team.
We are looking for a Senior Regulatory Compliance Specialist to join our compliance team. This role plays a key part in ensuring the organisation meets its regulatory and licensing obligations across all jurisdictions in which it operates.
You will take ownership of regulatory workstreams, provide advisory to business stakeholders, and drive implementation of regulatory requirements into policies, controls, and operational processes. The role requires strong technical expertise in Payments, Digital Assets, AML/CFT, safeguarding, and data privacy regulations, as well as the ability to independently manage complex regulatory matters.
Work Arrangement: Fully On-site
Location: Menara Bangkok Bank, Kuala Lumpur
What You'll Do:
- Regulatory monitoring & interpretation: Track regulatory updates from the regulators and analyse how changes impact the business, products, and operations.
- Compliance advisory: Provide guidance to internal stakeholders on regulatory requirements and internal policies, including onboarding, transactions, safeguarding, disclosures, marketing, and customer communications.
- Product review: Review new and existing products, features, and customer journeys to assess regulatory impact, identify compliance risks, and provide guidance on required controls, disclosures, and approvals prior to launch or enhancement.
- Licence application: Supporting regulatory licensing and approval processes, including assisting with the preparation and submission of licence applications, completing regulatory application forms, coordinating inputs from relevant teams, and reviewing information provided to regulators to ensure accuracy, completeness, and consistency.
- Policy and procedure management: Draft, review, and update compliance policies, SOPs, and control frameworks; ensure they remain aligned with regulatory expectations.
- Control testing & assurance support: Support periodic checks, compliance testing, and monitoring (e.g., sample reviews, reconciliations, exception tracking) and assist with remediation plans.
- Regulatory reporting & filings: Prepare and/or coordinate regulatory submissions, periodic returns, and ad-hoc information requests from regulators.
- Regulatory inspections & audits: Coordinate documentation and responses for regulatory inspections, audits, and independent reviews; track findings and closure actions.
- Training & awareness: Assist in developing training materials and ensuring staff awareness of key regulatory requirements and compliance obligations.
- Issue escalation: Identify potential compliance gaps, document incidents, and escalate issues when necessary.
- Others: Assisting in ad-hoc projects and tasks.
What We're Looking For:
- 5-7 years of experience in regulatory compliance, preferably within payments, fintech, or financial services
- Strong technical knowledge in payments regulations, AML/CFT, safeguarding, and data privacy
- Experience with regulatory licensing applications and interactions with regulators
- Ability to independently manage complex regulatory matters with minimal supervision
- Strong policy drafting and documentation skills
- Fluent in English and Mandarin in written and spoken, as product meetings are primarily conducted in Mandarin
- Experience working in regulated environments such as BNM, MAS, or equivalent
- Certifications such as ICA, CAMS, or similar are a plus but not required
What Makes You Stand Out:
- Background in payment companies or fintech compliance highly preferred
- Crypto or digital assets compliance experience is an advantage but not required
- Comfortable working as an individual contributor in a fast-paced environment
