About Atome Financial
Headquartered in Singapore, Atome Financial is building a world-class tech enabled financial services platform that is the best companion of our customers lifetime. As a part of the Advance Intelligence Group, a Series D fintech unicorn and ranked Top 10 on LinkedIn's 2023 Top Singapore StartUps list with over 1,400+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life--for our customers, colleagues and communities.
Atome Financial operates in 5 ASEAN markets (Singapore, Malaysia, Indonesia, Philippines, and Thailand). We have 3 key products:
- Atome BNPL: A leading buy now pay later brand in ASEAN and partners over thousands of online and offline brands
- Atome Card: A paylater anywhere card.
- Kredit Pintar: A leading Indonesia digital lending apps, regulated and supervised by Indonesia's Financial Services Authority (OJK).
Our culture is built on values that are core to who we are and what we stand for:
- We foster an INNOVATION mindset
- We achieve results with EFFICIENCY and excellence
- We take pride in the QUALITY of our work
- We uphold INTEGRITY in all we do
- We embrace COLLABORATION to work across business lines and borders
Roles And Responsibilities
- Draft, implement and enforce policies relating to regulatory compliance.
- Ensure compliance with all relevant laws and regulations relating to financing such as compliance with SEC, CIC, BSP and AMLC.
- Render regulatory compliance advice on all aspects of compliance, including but not limited to AML, Code of Conduct, Outsourcing, Debt Collection, Loan Documentation, Mandatory Reporting and Disclosure requirements et al.
- Involvement in the preparation of reports to senior management, regulatory bodies and team alignments on compliance effectiveness. Reporting performed includes project-scoping documents, periodic management reporting and ad hoc reporting.
- Work collaboratively with stakeholders across the organization such as Legal, Collections, Customer Service, Operations and Product, to ensure regulatory obligations are communicated and met.
- Conduct product risk assessments of new products, product enhancements, services, and processes to ensure conformity with regulations and accepted standards.
- Maintain and update the Regulatory Obligations Register for Atome Philippines and monitor the level of Compliance on an ongoing basis.
- Recommend adequate and mitigating controls in accordance with the regulatory requirements to mitigate possible risks.
- Develop and drive training programs for the entity, especially as it relates to compliance requirements.
- Liaise between internal teams, SEC, CIC, and AMLC; and
- Report to the relevant PH Compliance Supervisor and Regional Head/Supervisors.
Qualifications
- You will ideally have a minimum of 7 years experience in a regulatory function within a financial institution, such as a well-established payments company, financing company or regulator.
- Significant experience managing engagements with multiple stakeholders, both internally and externally with regulators.
- Possess exceptional business partnering skills to drive and influence Compliance objectives.
- Experience developing or driving Compliance programs for a regulated entity.
- Deep familiarity with Financing Company operations and all related Notices and Guidelines.
- Possess a numerical disposition, as you are required to leverage data to help you form compelling use-cases to influence Compliance objectives.
- Proven ability to work and multi-task under pressure, with the ability to pivot quickly to changing situations in complex environments.
- Possess a deep sense of personal initiative to drive complex Compliance projects to completion.
- Mastery of prose in relation to policy writing and an articulate communicator; and
- The ability to work cohesively with stakeholders.
Good To Haves
- Experience navigating complex issues with regulators; and
- Experience in the financial institutions and financing company in the Philippines due to regional coverage.
