ABOUT THE ROLE
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HitPay operates a regulated payments and financial-crime program across multiple
jurisdictions (Singapore - MAS, Malaysia - BNM, the Philippines - BSP, and the US
under a sponsor-bank model). Our analysts make hundreds of KYB, periodic-review,
and AML screening decisions every day. This role exists to make sure those
decisions are consistently right, defensible, and aligned to policy in every
market we operate in.
As AML QA Lead, you own the independent quality-assurance function
over our financial-crime operations. You review completed casework daily, catch
where decisions drift from our SOPs and each jurisdiction's requirements, spot
systemic issues before they become regulatory findings, and close the loop with
analysts and leadership so quality actually improves - not just gets measured.
This is a hands-on, player-coach role: you'll do the QA reviews yourself while
setting the standard for how QA is run.
WHAT YOU'LL DO
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\- Run daily QA reviews across the three core workstreams - KYB onboarding,
periodic reviews, and AML screening-alert dispositions (name/sanctions/PEP/
adverse-media) - sampling completed cases and scoring them against SOP and
regulatory requirements.
\- Assess policy and jurisdictional adherence. Confirm each decision applied the
correct CDD/EDD standard, risk rating, screening disposition rationale, and
documentation for the specific market's rules (MAS/BNM/BSP/US sponsor-bank),
not a one-size-fits-all check.
\- Proactively surface systemic issues - recurring analyst errors, SOP ambiguities,
mis-calibrated screening thresholds, tooling gaps, or workflow breakdowns in our
vendor stack (identity verification, screening, transaction monitoring) - and
drive them to root cause rather than logging one-off defects.
\- Maintain a QA scorecard and defect taxonomy. Track error rates by workstream,
analyst, market, and error type; report trends to Compliance leadership and the
MLRO.
\- Close the feedback loop. Deliver clear, specific feedback to analysts and team
leads, calibrate on disputed calls, and feed findings into SOP updates and
training.
\- Support audit and regulatory readiness. Produce QA evidence and thematic
findings for internal audit, external audit, sponsor-bank oversight, and
regulator requests.
\- Improve the QA program itself - refine sampling methodology (risk-based vs.
random), review checklists, and QA coverage as products, markets, and risk
exposure change.
WHAT YOU'LL OWN (SUCCESS LOOKS LIKE)
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\- A daily QA cadence with defined sampling coverage across KYB, PR, and screening.
\- A living QA scorecard and defect trend view that leadership relies on.
\- A measurable reduction in repeat errors and policy-adherence gaps over time.
\- Early detection of systemic/tooling issues - problems caught by QA, not by
auditors or regulators.
WHAT YOU'LL NEED
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\- 4+ years in AML/financial-crime operations, with real hands-on experience in
KYB/KYC, periodic review, and AML screening-alert investigation at a bank,
payments company, or fintech.
\- Deep, working knowledge of CDD/EDD, sanctions/PEP/adverse-media screening, and
risk-rating methodology - and the judgment to tell a well-reasoned decision from
a superficially-complete one.
\- Fluency in reading and applying SOPs and regulatory requirements across
jurisdictions, and comfort holding decisions to the correct market's standard.
\- A QA/QC, audit, controls-testing, or file-review background, or demonstrated
rigor doing independent review of others' casework.
\- Sharp attention to detail paired with the ability to zoom out to systemic
patterns and root causes.
\- Clear, direct written communication - you can give feedback that changes
behavior without friction.
\- Comfort with case-management and financial-crime tooling (identity verification,
screening, and transaction-monitoring platforms).
NICE TO HAVE
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\- ACAMS / ICA / CAMS or equivalent certification.
\- Direct experience across 1 or more of SG (MAS PSA), MY (BNM), PH (BSP), or
US (FinCEN/sponsor-bank) regimes.
\- Exposure to specific vendors in our stack (e.g. Persona, ComplyAdvantage,
Flagright) or comparable identity/screening/TM tools.
\- Data comfort - able to pull and slice your own QA samples and trend reports
(SQL/spreadsheets).
\- Experience standing up or scaling a QA function from scratch.
Visa: US citizen/visa only.