Compliance Manager, Payments / Fintech

About the Role

• We are seeking a highly experienced and hands-on Compliance Manager to lead and strengthen our compliance, regulatory, and risk-management functions in Vietnam.

• This is a senior role for a strong operator who understands the realities of working in a regulated financial-services environment, especially across payments, card acquiring, digital banking, merchant services, and fintech partnerships.

• The ideal candidate has deep experience dealing with the State Bank of Vietnam, managing regulatory submissions and licensing processes, leading compliance teams, building internal controls, business mindset, open to receive more tasks in work and driving a culture of disciplined execution.

• This person must also have strong experience in risk management, operational compliance, card-related disputes and chargebacks, and proven exposure to using risk-management systems and compliance-monitoring tools in a live operating environment.

• Excellent English is mandatory, as this role will regularly work with senior management, international partners, banks, payment networks, auditors, legal advisors, and technology providers.

Key Responsibilities

Regulatory and Licensing

• Lead the company's compliance and regulatory affairs function in Vietnam.

• Manage relationships and communications with the State Bank of Vietnam and other relevant regulators, authorities, and industry stakeholders.

• Support and lead licensing applications, regulatory approvals, submissions, renewals, responses, and ongoing compliance obligations.

• Monitor legal and regulatory developments affecting payments, fintech, digital banking, merchant acquiring, card services, AML, KYC, consumer protection, and data governance.

• Translate regulatory requirements into practical internal policies, controls, procedures, and implementation plans.

Compliance Manager

Compliance Leadership

• Lead, manage, and develop the compliance function and related team members.

• Build and maintain a strong compliance framework aligned with local regulations, internal governance, and industry best practices.

• Establish clear compliance reporting routines, escalation processes, issue logs, and remediation plans.

• Work closely with senior management to identify compliance priorities, gaps, and execution risks.

• Support board-level and executive-level reporting on compliance, risk, and regulatory matters where required.

Risk Management and Internal Controls

• Build, strengthen, and monitor the company's enterprise risk and compliance controls across operational, regulatory, financial-crime, merchant, fraud, and product-related areas.

• Design and improve compliance monitoring programs, control testing, risk assessments, and internal review processes.

• Ensure that risk and control frameworks are practical and effective in a fast-moving fintech or banking environment.

• Lead investigations, corrective action plans, root-cause reviews, and issue remediation related to compliance breaches or control failures.

• Work closely with internal stakeholders across operations, finance, product, legal, technology, and customer support to ensure proper risk ownership.

Payments, Cards, and Chargebacks

• Oversee compliance and risk processes related to payment operations, merchant acquiring, card acceptance, chargebacks, disputes, fraud monitoring, and scheme-rule compliance.

• Establish and improve chargeback governance, dispute handling, root-cause analysis, prevention measures, and reporting.

• Coordinate with acquiring banks, partner banks, processors, payment gateways, card schemes, and internal teams to manage disputes and reduce operational losses.

• Ensure appropriate controls are in place for merchant onboarding, transaction monitoring, suspicious activity escalation, and operational-risk management.

• Use data and systems to identify loss trends, fraud patterns, abuse indicators, operational weaknesses, and compliance risks.

Policies, Systems, and Audit Readiness

• Draft, review, and maintain compliance policies, SOPs, internal manuals, governance documents, and training materials.

• Ensure the business remains audit-ready and well-documented for regulator reviews, partner bank reviews, scheme reviews, and internal or external audits.

• Work with risk and compliance systems to monitor controls, incidents, exceptions, alerts, and case management.

• Help select, improve, or optimize risk-management and compliance systems where needed.

• Support due diligence requests from investors, banking partners, auditors, and strategic counterparties.

Training and Culture

• Deliver compliance guidance and practical training to internal teams.

• Promote a strong culture of integrity, accountability, documentation, and regulatory discipline.

• Ensure that business teams understand not only the rules, but also how to operate safely and commercially within them.

Mức độ phù hợp và xếp hạng của bạn so với ứng viên khác như thế nào

• Bachelor's degree in Law, Finance, Banking, Risk Management, Business, or a related field.

• Minimum 8 to 12 years of relevant experience in banking, payments, card acquiring, fintech, digital banking, or regulated financial services.

• Proven experience in a senior compliance or risk leadership role.

• Proven experience leading a compliance team.

• Strong hands-on experience working with the State Bank of Vietnam or similar local regulatory authorities.

• Strong experience supporting or leading licensing applications, regulatory filings, approvals, or major compliance submissions.

• Strong experience in risk management, compliance monitoring, operational controls, and governance.

• Strong experience handling or overseeing card chargebacks, disputes, merchant risk, fraud-risk processes, or scheme compliance.

• Demonstrated experience using risk-management systems, compliance-monitoring tools, case-management systems, fraud-monitoring tools, or transaction-risk platforms.

• Excellent spoken and written English.

• Strong Vietnamese language skills.

• Strong drafting ability for policies, regulatory correspondence, reports, and internal memos.

• Comfortable operating in a fast-moving environment with both strategic and hands-on responsibilities.

Preferred Qualifications

• Experience in merchant acquiring, POS, QR payments, e-commerce payments, card issuing, or embedded finance.

• Experience dealing with partner banks, card schemes, processors, or payment gateways.

• Experience in AML, KYC, sanctions screening, fraud-risk controls, and regulatory remediation programs.

• Experience working in a company undergoing rapid growth, product expansion, licensing expansion, or institutionalization.

• Professional certifications in compliance, risk, audit, fraud, AML, or governance are a plus.

Key Skills and Competencies

• Deep knowledge of compliance and risk management in regulated financial services.

• Strong understanding of Vietnam financial-services regulation and regulatory engagement.

• High personal credibility and professionalism.

• Strong leadership presence.

• Excellent judgment and escalation discipline.

• Detail-oriented and highly organized.

• Able to push teams to meet compliance standards without becoming bureaucratic.

• Strong problem-solving ability.

• Able to work with senior executives, regulators, auditors, banks, and cross-functional teams.

• Commercially aware, but never careless with control standards.

What Success Looks Like in This Role

• The company operates with a stronger and more disciplined compliance culture.

• Regulatory submissions, licensing matters, and regulator interactions are handled professionally and on time.

• Risk and control gaps are identified early and remediated quickly.

• Chargeback and dispute processes become more controlled, measurable, and effective.

• Internal documentation, policies, and audit readiness significantly improve.

• Management gains confidence that compliance is being led by a mature, experienced, and respected operator.

Ideal Candidate Profile

• The ideal candidate is not just a policy person. This is someone who has already operated inside real banking, payments, or fintech environments, understands how regulators think, knows how to build a compliance team, and can combine regulatory discipline, operational control, and commercial realism.

• This person should be confident enough to deal with senior stakeholders, practical enough to solve day-to-day problems, and experienced enough to protect the company from preventable compliance and risk mistakes.