Regulatory Compliance and AML Manager

About the role

You will serve as the primary regulatory compliance owner for Xendit's operations in Mexico, driving the implementation and execution of all relevant compliance frameworks. In this capacity, you will autonomously manage the interpretation and application of Mexican financial regulations and broader LATAM legal requirements to ensure zero tolerance for regulatory breaches. You will act as the central point of contact for regulators, translating complex legal jargon into actionable internal policies and controls. This role requires you to own the end-to-end lifecycle of compliance initiatives, from risk assessment through remediation and validation. You will proactively identify regulatory gaps and design controls to mitigate potential fines, sanctions, and reputational damage. The position demands a high degree of integrity and the ability to operate independently with extreme ownership of regulatory outcomes. You will also shape the compliance culture within the region by mentoring peers and ensuring that compliance is embedded in daily operations.

Key facts

What you'll do

Develop and execute comprehensive compliance programs specific to Mexico and LATAM jurisdictions, ensuring all activities align with local laws and Xendit's global standards.

Lead the research, analysis, and implementation of anti-money laundering (AML) and counter-terrorism financing (CFT) policies, translating regulatory expectations into operational procedures.

Own the management of relationships with financial regulators and supervisory bodies, acting as the official liaison for licensing and regulatory inquiries.

Independently oversee the licensing process for money transmitter and payment aggregator authorities, ensuring all submissions are accurate, timely, and compliant.

Conduct in-depth risk assessments to identify vulnerabilities in payment flows, customer onboarding, and transaction processing specific to the LATAM region.

Design and deploy compliance training programs tailored to different business units, fostering a culture of awareness and adherence to regulatory obligations.

Investigate potential compliance breaches or suspicious activities, coordinating with internal stakeholders to gather evidence and recommend corrective actions.

Monitor changes in regulatory landscapes across LATAM, producing impact analyses and updating policies to reflect new legal requirements promptly.

Collaborate with Product and Engineering teams to embed compliance controls directly into product development lifecycle, ensuring regulatory requirements are met at inception.

Utilize compliance management tools and transaction monitoring systems to track adherence to policies and generate reports for internal and external audits.

Establish and maintain documentation frameworks that provide clear audit trails and demonstrate compliance to regulators and internal auditors.

Drive the continuous improvement of compliance processes, identifying inefficiencies and implementing automation to enhance accuracy and scalability.

Serve as the escalation path for compliance-related concerns from regional teams, providing guidance and resolving issues in accordance with regulatory standards.

Contribute to the development of Xendit's global compliance strategy by sharing insights and best practices from the LATAM market perspective.

Requirements

Must hold a valid AML/CFT certification issued by the CNBV (Certificación PLD/FT), and be eligible to act as Compliance Officer before Mexican regulators.

Possess 7-10 years of professional experience in AML and regulatory compliance, with a proven track record in highly regulated environments.

Have substantial experience engaging with front-facing financial services regulators in Mexico and across Latin America, understanding their expectations and nuances.

Demonstrate strong self-motivation and a proactive approach to problem-solving, capable of initiating action without waiting for explicit instructions.

Show a proven ability to work independently and take full ownership of complex compliance tasks and deadlines.

Exhibit excellent time management and organizational skills to prioritize effectively in a fast-paced, dynamic, and often ambiguous operational landscape.

Possess the ability to work with minimal supervision, seeking guidance only when absolutely necessary and appropriate.

Maintain good command of written and verbal communication skills in both Spanish and English, ensuring clarity and precision in all interactions.

Nice to have

Previous experience in a high-growth FinTech, payments, or digital financial services environment, providing context for scaling compliance.

Familiarity with regulatory licensing processes and direct engagement with supervisory authorities to expedite approvals.

Experience implementing or working with transaction monitoring systems and compliance tools to automate detection and reporting.

Practical notes

This role operates within the standard working hours and framework as defined by company policy.

Travel requirements and visa sponsorship details are contingent upon specific business needs and immigration regulations.

Candidates must meet all deadlines for certification and regulatory submissions without exception.