Senior Compliance Analyst (Payment Service Provider)

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Role

Senior Compliance Analyst will be responsible for supporting various regulatory compliance initiatives, with a particular focus on payment service provider (penyedia jasa pembayaran/PJP) businesses, and ensuring that all compliance requirements are met.

Responsibilities

• Supporting regulatory license matters, establishing a compliance framework and guidelines, including anti-bribery and corruption policies, external vendor compliance management, and data privacy;
• Managing regulatory engagement with relevant authorities and ensuring compliance with mandatory reporting requirements to regulators;
• Delivering timely, accurate, and commercially practical reports to regulators, along with recommendations on licensing, regulatory, and counterparty risk for the business;
• Conducting gap analysis on prevailing regulations in relation to the group’s businesses;
• Managing incidents, including responding to regulatory investigations and inspections by authorities;
• Ensuring ongoing compliance with regulatory requirements on a regular basis.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.

• Minimum of 2-4 years PQE as a compliance officer
• Ideally, the candidate will have prior in-house experience in the e-money/wallet operator in Indonesia
• Demonstrable track record in compliance matters
• Extensive experience in interacting with regulators, particularly Bank Indonesia and OJK
• Fluency in English is a must
• Excellent drafting, negotiation, and communication skills
• Strong stakeholder management skills, with the ability to work collaboratively with cross-functional teams and build relationships at all levels of the organization
• Commercial acumen with the ability to balance legal considerations with business objectives
• Exceptional analytical and problem-solving skills, with strong attention to detail
• Ability to work independently, prioritize tasks, and manage multiple projects simultaneously
• Demonstrated professionalism, integrity, and discretion in handling confidential information.