The Financial Crime Threat Management (FCTM) Manager is accountable for the end-to-end execution of the bank’s Anti Money Laundering/Counter Terrorism Financing/Counter Proliferation Financing of Weapons of Mass Destruction (AML/CTF/CPF) operational framework, ensuring high-quality transaction monitoring and effective controls to prevent regulatory breaches and safeguard the institution’s compliance integrity. 

This role leads the implementation and continuous enhancement of financial crime risk management activities, ensuring full alignment with in-country AML/CTF/CPF policies, local regulatory requirements, and Group standards. The manager is responsible for developing and maintaining robust systems, procedures, and governance mechanisms to detect, investigate, and mitigate financial crime risks—including money laundering, terrorist financing, and weapon mass destruction. 

By driving operational excellence and system integrity, the FCTM Manager plays a critical role in protecting the bank from financial crime exposure and maintaining regulatory trust. 

As a FCTM Manager, your key accountabilities in this role will include:

• Ensure compliance with AML/CTF laws, regulations, and internal policies, and oversee effective implementation aligned with regulatory requirements. 
• Oversee transaction monitoring and ensure timely filing of STR/SAR and CTR reports, including those involving Board of Directors, Commissioners, or affiliates, directly to PPATK. 
• Obtain access to the necessary information available across all organizational units. 
• Coordinate and monitor the implementation of the AML, CTF, and CPF programs with the relevant work units. 
• Continuously assess and partner with Technology to refine the AML system and its supporting technologies to ensure optimal performance, regulatory alignment, and adaptability to emerging financial crime risks. 
• Conduct periodic back-testing to evaluate the reliability of the AML system in monitoring Cash Transaction Report (CTF) and Suspicious Transaction Report (STR). 
• Perform regular fine-tuning of the established scenarios/parameters used to monitor customer transactions. 
• Collaborate closely with external regulators (e.g., OJK, PPATK) to ensure compliance and effective implementation of AML/CTF requirements. 
• Support internal/external audits and ensure timely remediation of findings. 
• Exercise other authorities related to AML, CFT, and WMD program implementation. 

To grow and be successful in this role, you will ideally bring the following:

• Deep understanding of AML/CFT/CPF regulations, regulatory expectations, financial crime typologies, red flags, and risk-based compliance frameworks.
• Strong knowledge of banking products, processes, and operational workflows, with the ability to assess and manage associated financial crime risks.
• Proven leadership capabilities, including team management, performance oversight, and fostering effective cross-functional collaboration.
• Strong analytical and investigative skills, with experience conducting complex investigations, interpreting transactional data, and identifying suspicious activities and emerging financial crime threats.
• Hands-on experience in the implementation, enhancement, and optimization of AML/CTF/CPF systems and related technology solutions.
• Strong governance, policy, and control framework expertise, including the development, implementation, and maintenance of policies, procedures, and risk management standards.
• Strategic mindset with the ability to align financial crime risk management practices with business objectives and evolving regulatory requirements.
• Excellent stakeholder management, communication, and influencing skills, with the ability to engage effectively with senior management, regulators, and cross-functional stakeholders.
• Strong risk and control awareness, with sound judgment and the ability to make risk-based decisions.
• Results-oriented, proactive, and able to perform effectively under tight deadlines and a high-pressure environment.
• Excellent written and verbal communication skills in both Bahasa Indonesia and English.
• Proficient in Microsoft Office applications (Word, Excel, PowerPoint, and Visio), with working knowledge of SQL, Visual Basic (mandatory).
• Hold a minimum Level 5 KKNI Certification in Anti-Money Laundering, Counter-Terrorism Financing (AML/CTF), or similar.