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.