Hybrid working with up to 2 remote working days weekly

Join 3S Money as our MLRO in Hong Kong, where you’ll lead our local compliance efforts, drive AML/CTF strategy, and help scale a dynamic, globally connected fintech with a strong focus on international payments and corporate clients.

Our mission
3S Money is reinventing international business banking. Founded in 2018, our mission is to help growing businesses send, receive and exchange money in over 190 countries. With offices in five countries and over 200 employees, you’ll be joining a high-energy, high-impact team that’s achieved profitability and has a wealth of opportunity ahead.

Our culture
At 3S Money, we believe in caring personally, staying curious and making an impact through collaboration not competition. Our culture is genuinely transparent with minimal hierarchy and a commitment to each employee’s professional growth.

What you’ll be doing

• Drive the strategy, framework, and execution of 3S Money’s Hong Kong Compliance program, ensuring comprehensive adherence to all applicable Hong Kong CED regulatory requirements; present clear and thorough reports to the executive team and board members on key compliance and regulatory matters.
• Lead the oversight of all compliance and regulatory affairs in Hong Kong, ensuring alignment with international AML/CTF regulations, and local implementation of our global policies, as per Hong Kong requirements.
• Develop and continuously enhance compliance risk assessments, and input into global policies and procedures in line with new products, services, and operational changes.
• Partner with cross-functional teams—to support any new licensing initiatives (e.g., new modifications to our licence), by delivering relevant compliance documentation,
• Addressing regulatory inquiries, and coordinating responses to the Customs & Excise Department where required.
• Act as the primary point of contact for the CED and other relevant Hong Kong regulatory bodies, overseeing all regulatory filings, audits, and compliance communications; serve as the key compliance representative in day-to-day implementation of internal policies and local requirements.
• Collaborate closely with the Global Compliance and Risk team on a range of responsibilities including customer onboarding, Transaction Monitoring, Fraud etc
• In coordination with the Global Compliance team:
  • Apply risk-based KYC procedures, transaction monitoring, sanctions/watchlist screening, and reporting frameworks.
  • conduct annual validation of monitoring and screening tools to detect and report unusual activity per Hong Kong AML Ordinance and Joint Financial Intelligence Unit requirements.
• Build trusted relationships with internal teams (product, sales, BD, customer success) to provide guidance on compliance matters and ensure teams are operating to global and local standards.
• Work with the Banking Partnerships team to own the relationship with our Banking Partners from a Compliance perspective.
• Oversee internal quality assurance reviews and audits, lead responses to third-party assessments and regulatory reviews, and manage timely remediation of any findings.
• Conduct annual compliance and AML/CTF risk assessments, and maintain updated policies, procedures, and other program documentation.
• Collaborate with Compliance leads across jurisdictions to align strategies, processes, and quarterly goals.
• Serve as the Compliance subject matter expert (SME) within the business, identifying risks, recommending and implementing control enhancements, and overseeing remediation as needed.
• Report regularly to the Global Head of Risk and Compliance, senior management, and the Board, escalating any significant or high-risk compliance concerns.

About you, you have

• 8+ years’ experience in a compliance, regulatory, or financial crime function within financial services, fintech, or a government/regulatory agency—ideally with deep Hong Kong-specific AML/CTF expertise.
• 2+ years of experience in a leadership or people management role.
• Proven experience managing AML and sanctions programs, such as transaction monitoring, STR filing, and customer risk rating frameworks.
• Solid understanding of CED regulations, AMLO (Anti-Money Laundering and Counter-Terrorist Financing Ordinance) and local compliance expectations.
• A strong grasp of the complexities around AML/CTF and sanctions risk, with the ability to develop pragmatic, risk-based solutions.
• Ability to balance commercial thinking with regulatory obligations, delivering practical and business-aligned advice.
• Confident in delivering presentations on AML/CTF topics to senior stakeholders and regulators, especially the CED.
• Excellent communication skills, both written and verbal; capable of influencing and guiding senior leadership.
• Experience working independently and within global cross-functional teams.
• Familiarity with fintech, payments, or digital banking business models.
• CAMS, ICA, or AAMLP certification (or equivalent) a preferrance

In return for your hard work:

💰 Competitive Salary + plus stock options (after 12 months) & benefits
  💻 Hybrid working setup in our wonderful city-centre office
 📚 We foster non-BAU projects in our team, we want you to explore new avenues and expand your expertise to benefit your professional pathway & our teams.
 ➕ And much, much more….

Our commitment to you
We are an equal opportunities employer.
We make recruiting decisions based on your experience, skills and personality. Our passion and focus will always be to work with the best people. We’re creating services for everyone, so it’s imperative we work with everyone. Our diverse team has been the foundations to our success in building more efficient products, making better decisions and establishing an all-inclusive place to work. Applicants of all backgrounds are hugely encouraged to apply and discover the 3S way.