AML/CTF Compliance Officer (Toss AU)
호주 시드니 오피스 현지 근무 포지션입니다. This role is based in Sydney, Australia.
About the Team You’ll Join
Toss is South Korea’s leading financial super app, trusted by over 20 million users and backed by a fully licensed financial group. Guided by our mission to remove financial friction and redesign financial services from the ground up, Toss continues to transform the finance industry through innovation and simplicity.
As we expand into Australia, we are establishing a regulated presence under AUSTRAC oversight. We are now looking for an AML/CTF Compliance Officer to drive local implementation of our compliance framework and strengthen internal controls in line with Australian regulatory expectations.
About the Role
The AML/CTF Compliance Officer will be the officially designated individual responsible for overseeing Toss AU's compliance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act) and associated AML/CTF Rules.
This role carries real authority and accountability — you will have direct access to senior management and the Board, the ability to enforce AML/CTF requirements across the organization, and operational independence to make risk-based decisions. You will act as the primary liaison with AUSTRAC and ensure Toss AU's AML/CTF program remains effective, risk-appropriate, and audit-ready.
What You'll Work On
AML Program Ownership
Own and maintain Toss AU's AML/CTF Program in accordance with the AML/CTF Act and AUSTRAC Rules
Conduct and maintain the Enterprise-Wide Risk Assessment to reflect the current risk environment
Develop and maintain AML/CTF policies, procedures, and internal controls aligned with the nature and scale of Toss AU's business
Customer Due Diligence
Oversee CDD/EDD processes and ensure they are applied appropriately across customer segments
Maintain oversight of customer risk rating methodology and escalation workflows for high-risk cases
Transaction Monitoring & Reporting
Oversee transaction monitoring systems, rule management , alert thresholds, and investigation workflows
Make independent decisions on SMRs and ensure timely filing of SMRs via AUSTRAC Online
Maintain records in line with AUSTRAC record-keeping obligation
Sanctions Compliance
Oversee sanctions screening against DFAT, UN, OFAC, and EU consolidated lists
Maintain sanctions-related policies and act as the designated sanctions implementation officer
Governance & Oversight
Report directly to the CEO and Board on program performance, emerging risks, and regulatory developments
Coordinate annual independent reviews and design and deliver AML/CTF training for relevant staff
Conduct and maintain the annual Enterprise-Wide Risk Assessment and use its outcomes to prepare and submit the annual AML/CTF Compliance Report to AUSTRAC in a timely manner.
Ensure timely reporting and escalation to global HQ on material AML/CTF matters, emerging risks, and issues requiring coordination or support.
What We’re Looking For
Must-Have
Australian resident (legally required under the AML/CTF Act)
7+ years of AML/CTF experience, with at least 3 years in a leadership or senior compliance role within a reporting entity
Strong working knowledge of the AML/CTF Act 2006 and AUSTRAC regulatory expectations
Proven experience filing SMRs and maintaining AML/CTF programs
Independent judgment with the confidence to escalate or block without deference to commercial pressure
Strong communication skills, including AUSTRAC engagement and Board-level reporting
CAMS
Preferred
Experience in a fintech, digital wallet, or payments environment
Familiarity with DFAT sanctions regime and cross-border payments compliance
Experience responding to or preparing for regulatory examinations or supervisory reviews by AUSTRAC or equivalent authorities
Experience collaborating with a global HQ AML/compliance team in a multi-jurisdictional environment
Personal Attributes
High ownership mindset with strong prioritization and independent judgment
Demonstrated integrity, honesty, and soundness of judgment in prior roles
Clean regulatory and supervisory record — no adverse findings, serious convictions, or unresolved conflicts of interest (fit and proper standard per AUSTRAC requirements)
What We Offer
A high-impact regulatory role shaping Toss’s AML/CTF foundation for our Australian expansion.
Opportunity to build the AML function from zero to full launch and contribute to overall governance.
Close collaboration with senior teams at our Korea headquarters on key regulatory and operational decisions.
Competitive compensation package.
Flexible and supportive work environment.
Hiring Process
Two functional interviews (AML expertise, regulatory handling, execution capability)
Two culture fit interviews (e.g., corporate values, culture fit, way of working)
While the final in-person meeting may be required before confirmation of the job offer, all other interview processes will be conducted virtually.
Please Note
Pre-employment checks such as a police check and financial bankruptcy will be conducted.