Senior Compliance Officer

Company Overview

DECA is a leading organization committed to excellence and innovation in the financial sector. We pride ourselves on our dynamic work environment and our dedication to compliance and regulatory standards. Join us in our mission to maintain the highest levels of integrity and professionalism.

Job Title

Senior Compliance Officer

Job Summary

As a Senior Compliance Officer at DECA, you will play a crucial role in ensuring that our operations adhere to all relevant regulatory requirements and standards. You will be responsible for developing, implementing, and maintaining compliance programs that align with the central bank's regulations and guidelines.

Key Responsibilities

Regulatory & Legal Compliance

• Ensure full compliance with applicable regulations issued by Bank Indonesia (BI), PPATK and other relevant authorities.

• Monitor regulatory developments and assess their impact on business operations, products, and technology.

• Interpret laws and regulations and translate them into internal policies, procedures, and controls.

• Ensure compliance with AML/CFT, KYC, consumer protection, data privacy (UU PDP), and fintech-specific regulations.

Regulatory Communication & Liaison

• Act as the primary point of contact for regulators and government authorities.

• Manage regulatory correspondence, inquiries, inspections, audits, and examinations.

• Coordinate and prepare responses to regulatory findings, recommendations, and remediation plans.

• Support regulatory licensing, registration, renewal, and reporting requirements.

• Policy, Governance & Internal Controls

• Develop, review, and maintain compliance policies, SOPs, and governance frameworks.

• Ensure policies align with regulatory expectations and industry best practices.

• Conduct compliance risk assessments and gap analyses.

• Oversee implementation of compliance controls across business, operations, product, and technology teams.

Monitoring, Reporting & Advisory

• Conduct periodic compliance monitoring and testing.

• Prepare compliance reports for management, Board of Directors, and regulators.

• Provide compliance advice and guidance to business teams during product development, partnerships, and new initiatives.

• Escalate compliance risks, breaches, or incidents appropriately and manage corrective actions.

Requirements & Qualifications

Education

• Bachelor’s degree in Law, Accounting, Finance, Business, or related field

Experience

• 5+ years of experience in compliance, risk, legal, or regulatory roles

• Strong experience in fintech, banking, e-money, payment systems, lending, or financial services

• Proven experience dealing directly with BI, PPATK, or other Indonesian regulators

• Experience supporting regulatory audits, inspections, or licensing processes

Knowledge & Skills

• Strong understanding of Indonesian financial regulations, including: AML/CFT & KYC, consumer protection, data privacy & cybersecurity, payment systems / digital finance regulations

• Ability to interpret complex regulations and apply them pragmatically

• Strong written and verbal communication skills (Bahasa Indonesia & English)

• High attention to detail with strong analytical and problem-solving skills

• Ability to work independently and manage multiple regulatory priorities