About Hello Clever

Hello Clever isn't your average fintech. We move fast, challenge, and make sure payments actually work for people. We're proudly female-led, and we're the first in Australia to combine real-time payments with Instant Cashback Rewards and intelligent insight. Our platform enables seamless, secure, and rewarding transactions, both in-store and online, driving business growth and enhancing customer experiences.

The Role

As our new Compliance Officer in Japan, you'll join an open, knowledge-driven culture where everyone can thrive, connect with colleagues, learn, and grow. Here, you'll be empowered to make an impact every day. You will play a crucial role in driving our company's expansion strategy in the Japanese market, ensuring full compliance with all relevant financial, AML (Anti-Money Laundering), and CTF (Counter-Terrorist Financing) regulations. This role requires a strategic thinker with strong leadership skills and deep understanding of Japanese banking and payment regulations, AML/CTF laws, and local compliance frameworks

In addition, you will be the key person responsible for leading the application process for Japan's fintech licenses, including Funds Transfer Service Provider (資金移動業) and Electronic Payment Service Provider (電子決済代行業) registrations. You will report directly to the Head of Compliance.

Key Responsibilities

• Identify the key laws, rules, and standards applicable to Hello Clever's business operations in Japan.
• Assess and monitor compliance risks associated with Hello Clever's Japan business and its expansion into new activities, products, or business relationships.
• Develop, implement, and maintain Compliance and AML/CTF policies and procedures for Japan, ensuring that Hello Clever's programs align with all relevant Japanese regulations.
• Lead the application, maintenance, and renewal of required fintech licenses, including Funds Transfer Service Provider (資金移動業) and Electronic Payment Service Provider (電子決済代行業) registrations.
• Act as the primary liaison with regulators on all matters related to licensing, compliance, AML/CTF, and regulatory audits, ensuring timely and accurate submissions of reports and filings.
• Conduct regular Compliance Risk Assessments and verify Hello Clever's adherence to Japan-specific compliance policies, procedures, and regulatory standards.
• Collaborate closely with the first-line Business AML Operations team to review, assess, and resolve customer and transaction-related escalations.
• Serve as the main point of contact for AML/CTF inquiries and investigations; report suspicious activities to relevant authorities and maintain proper documentation.
• Prepare and present reports on Japan Compliance and AML/CTF matters to senior management, compliance risk committees, and the board as needed.
• Lead the rollout and continuous management of Japan-specific Compliance and AML/CTF training programs across the organization.

About You

• Minimum
  3 years of experience
  in
  Compliance, AML/CTF or KYC Analyst
  , preferably within the
  payments related fintech sector
  .
• Possession of professional certifications such as
  CAMS
  or
  CFCS
  is highly desirable.
• Strong knowledge of
  banking, fintech, and payments regulations
  , as well as
  AML/CTF laws
  , compliance systems, and best practices in
  Japan and internationally
  .
• Proven ability to
  interpret complex regulatory requirements
  and
  design practical, compliant solutions
  .
• Strong
  analytical and problem-solving skills
  with a detail-oriented and proactive mindset.
• Excellent
  communication and interpersonal skills
  to interact effectively with internal teams, regulators, and external partners.
• A
  collaborative team player
  who thrives in a
  fast-paced, dynamic environment
  .
• Deep understanding of
  Japanese business culture and regulatory landscape
  .
• Fluency in both English and Japanese
  is required.
• Experience with
  license application processes
  (e.g., 資金移動業, 電子決済代行業) and
  regulatory audits
  is a strong advantage.

Why Join Us?

• Innovative Product: Be part of a company at the forefront of real-time payments, Gen-AI and loyalty innovation.
• Growth Opportunity: Play a key role in shaping Hello Clever's expansion in the Japanese market.
• Competitive Compensation: Attractive salary package with uncapped commission potential.
• Supportive Culture: Join a passionate, fast-paced team that values collaboration, innovation, and impact.
• Hybrid-working environment: You will be required to work from our central Tokyo office as needed, but we offer flexibility for remote work.

How to Apply

• We like to keep things simple, but we also want to make sure this is the right fit for both of us. Here's what to expect:
• Virtual Chat – A casual video call to get to know you, your experience, and what makes you tick.
• Meet the Team – An in-person catch-up at our office to see if we vibe and chat about how you'd make this role your own.
• Show Us Your Thinking – A short presentation where you'll bring some ideas to life (nothing scary, we promise).

If that sounds like your kind of process, we'd love to hear from you. Ready to Make Your Mark? APPLY NOW via