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ACE Money Transfer Finance/FinTech

AMLCO (Anti-Money Laundering Compliance Officer)

Auckland, New Zealand In person Full-time
  • Job Title: AMLCO (Anti-Money Laundering Compliance Officer)
  • Department: Compliance
  • Location: Auckland, New Zealand
  • Reporting To: Regional Head of Compliance / Group Chief Compliance Officer

About ACE Money Transfer

ACE Money Transfer, headquartered in the United Kingdom, is a leading digital remittance fintech operating in 28 countries and serving customers across 100+ receiving destinations. With a continued commitment to innovation and compliance, ACE is expanding across the United States, New Zealand, and the Middle East—introducing cutting-edge governance frameworks, AI-driven compliance technologies, and real-time risk controls.

As part of this global transformation, ACE is reinforcing its Compliance Division by appointing a dedicated AMLCO in New Zealand to meet enhanced financial crime and regulatory obligations.

Position Summary

The AMLCO will act as the designated Anti-Money Laundering Compliance Officer under Section 56 of the New Zealand AML/CFT Act 2009, holding primary responsibility for developing, implementing, and maintaining the AML/CFT Program in New Zealand.

This role includes the authority and accountability to manage AML/CFT risk, oversee suspicious activity reporting, ensure regulatory compliance, and support ACE’s enterprise-wide risk and governance standards. The AMLCO will also serve as the central point of contact with theDepartment of Internal Affairs (DIA) and other relevant regulatory bodies.

Key Responsibilities

AML/CFT Program Oversight

  • Serve as the appointed AMLCO under the AML/CFT Act 2009.
  • Develop, implement, and maintain ACE’s AML/CFT Program in New Zealand.
  • Ensure the AML/CFT Program remains aligned with evolving local and international laws, including FATF standards.

Regulatory Engagement & Reporting

  • Act as the primary liaison for the DIA, FIU, and other regulatory bodies.
  • Prepare and submit all required reports, including Suspicious Activity Reports (SARs) and Prescribed Transaction Reports (PTRs).
  • Respond to regulatory queries, audits, and thematic reviews.

Risk Management & Advisory

  • Identify, assess, and monitor ML/TF risks related to business operations.
  • Advise senior leadership on AML/CFT risk exposures and required controls.
  • Ensure effective customer due diligence (CDD), enhanced due diligence (EDD), sanctions screening, and ongoing monitoring.

Policy Development & Implementation

Maintain and regularly update AML/CFT policies, procedures, and controls.

Ensure integration of group-wide compliance frameworks into local operations.

Training & Awareness

Design and deliver AML/CFT training programs for staff, management, and agents.

Promote a strong culture of compliance and ethical conduct across business functions.

Audit, Assurance & Documentation

  • Oversee internal testing of AML/CFT systems and respond to external audit findings.
  • Maintain comprehensive and audit-ready records in line with statutory obligations.
  • Lead the development of remediation plans following audit or regulatory findings.

Qualifications & Experience

Requirement

Details

Education

Bachelor’s degree in Law, Finance, Business, or a related field

Certifications

ACAMS, ICA, ACFCS, or equivalent AML qualification (preferred)

Experience

5+ years of experience in AML/CFT compliance roles in financial services

Regulatory Exposure

Strong track record engaging with regulators, particularly within the NZ environment

Technical Proficiency

Knowledge of SAR/PTR filings, CDD/EDD, sanctions compliance, risk profiling

Communication

Excellent verbal and written communication with ability to simplify complex guidance

Analytical Skills

High attention to detail, strong analytical thinking, and risk-based decision-making

Key Competencies

  • In-depth understanding of New Zealand AML/CFT legislation and FATF standards
  • Experience preparing for and responding to regulatory audits and reviews
  • Strong stakeholder engagement and cross-functional collaboration
  • Proven ability to interpret regulatory requirements and apply them operationally
  • Resilience under pressure, with capability to manage multiple regulatory deadlines
  • Strategic Relevance to ACE’s Global Compliance Transformation
  • This AMLCO role is pivotal to ACE’s expansion in New Zealand and across the Asia-Pacific region. The position contributes directly to:
  • Strengthening regional risk governance
  • Supporting global licensing and AML/CFT obligations
  • Integrating AI-driven monitoring tools and real-time compliance controls
  • Promoting ethical conduct and compliance-first culture within a rapidly growing fintech
  • Explore more about ACE Money Transfer: https://acemoneytransfer.com/company-profile

Job description provided by ACE Money Transfer.
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