AML/CTF Compliance Officer (MLRO), Australia at HitPay in Sydney, NSW

Job description

Location: Australia resident (Sydney or Melbourne preferred; other AU cities considered) · Full-time · remote-within-AU OK Entity: HitPay Payment Solutions Pty Ltd — AUSTRAC remittance reporting entity (IND100852288-001) Parent: HitPay Payment Solutions Pte Ltd (Singapore) Reports to: Group Head of Compliance (Kok Pin Ong from Oct 2026) for oversight; you are the AUSTRAC-designated AML/CTF compliance officer for the Pty Ltd (group HoC is not the AU named officer) Level: Mid-career named AML/CTF Compliance Officer (MLRO) — not a group CCO / Head of Compliance seat About HitPay HitPay is a full-stack payments platform for SMEs. In Australia we operate through HitPay Payment Solutions Pty Ltd , enrolled with AUSTRAC as a remittance service provider / reporting entity (IND100852288-001). Group licences also include MAS MPI (Singapore), BNM (Malaysia), BSP (Philippines), FinCEN MSB (US), and DIA FSP (New Zealand). Compliance is lean and AI-assisted: automation does first-pass work; humans own the decisions that matter. The role You will be designated as the AML/CTF compliance officer for HitPay Payment Solutions Pty Ltd under the AML/CTF Act s26J (and related Rules) — the AUSTRAC-facing named officer for our Australian remittance reporting entity. Market search title is often MLRO ; Enrolment and AUSTRAC paperwork use AML/CTF compliance officer — this role is both. You own the AU AML/CTF program day-to-day: CDD/EDD, monitoring escalations, SMR judgment and filings, AUSTRAC Online / enrolment / ABPF hygiene, training, and management reporting. You report into group Head of Compliance for oversight and consistency with other licences — but you are the AU named officer of record for the Pty Ltd, not a deputy doing paperwork for someone else in Australia. Australia residency is a hard statutory gate under s26J(3) where designated services are provided at or through an Australian permanent establishment. Overseas remote is not viable for the named seat. Sydney/Melbourne preferred; other Australian cities are considered. This is a mid-career second-line seat : hands-on financial crime / AML program ownership in payments, remittance, MSB-equivalent, or fintech — ready to be named — not a junior TM analyst, and not an ultra-senior Chief Compliance / empire-building CCO role. AFSL/ACL experience is not required for this remittance RE seat. What you’ll own AML/CTF program (Australia) Maintain HitPay Australia’s AML/CTF program against the AML/CTF Act and AUSTRAC Rules: CDD/EDD, ongoing CDD, monitoring standards, record-keeping, tipping-off, and staff training. Keep AU policies and procedures current; close gaps before an examination finds them. Advise Product, Ops, and Sales on AU-specific ML/TF risk for new products, corridors, partners, and customer types. Named officer / SMRs Single escalation point for suspicion from Ops / Financial Crime; evaluate internal escalations. Final determination on Suspicious Matter Reports (and other AUSTRAC reports as applicable) with documented rationale — including reasoned decisions not to file. Independence to escalate to Group Head of Compliance / CEO / board when needed. AUSTRAC relationship, enrolment & ABPF Day-to-day AUSTRAC engagement for the AU entity: correspondence, RFIs, examinations, and the reporting calendar (including annual compliance reporting and IFTI/TTR as applicable). Own AUSTRAC Online enrolment / ABPF hygiene for HitPay Payment Solutions Pty Ltd (officer details, material changes, information requests) — not only SMRs and exams. Support fit-and-proper documentation, including a National Police Certificate / NPHC or foreign equivalent issued within 6 months for Enrolment update. Keep Australia permanently examination-ready. Group coordination Solid-line oversight from Group Head of Compliance; align AU standards with group frameworks without owning other jurisdictions’ licences as primary. What you’ll bring (must-have) Australia resident (hard statutory gate under s26J(3) if AU perma