Kerja Sepenuh Masa Compliance Officer – Fintech, Digital Gold, Retail - Wholesale, Gaji tinggi MYR 7,000 di MG GOLD & BULLIONS (M) SDN BHD Federal Territory - Maukerja

About the Role

MG Gold operates across digital gold, physical gold retail and wholesale bullion trading.

We are looking for a hands-on Compliance Officer to manage and monitor compliance across the Group’s digital platform, retail operations and wholesale gold transactions.

The successful candidate will be responsible for KYC/CDD, AML/CFT, transaction monitoring, customer risk assessment, sanctions/PEP screening, compliance investigations and ongoing monitoring of gold buy/sell transactions.

This is an operational compliance position. The successful candidate will be expected to actively monitor transactions and customer activity, not only prepare policies and documentation.

Key Responsibilities

1. Digital Gold & Fintech Platform

Monitor customer activity across the MG Gold digital platform, including:

* Customer onboarding and KYC

* MYR deposits and payment activity

* Digital gold purchases

* Digital gold sales

* Customer gold holdings

* Withdrawals/refunds

* Physical gold redemption

* Unusual transaction frequency or value

* Rapid buy-and-sell activity

* Multiple or potentially linked accounts

* Transactions inconsistent with customer profiles

* Suspicious or unusual account behaviour

Review system-generated compliance alerts, investigate exceptions and document the outcome of each investigation.

Work closely with the technology team to develop and improve transaction-monitoring rules, thresholds, alerts and compliance workflows.

2. Physical Gold Retail Compliance

Monitor compliance across MG Gold’s physical retail operations.

Responsibilities include:

* Customer due diligence where required

* Monitoring high-value gold purchases and sales

* Monitoring cash and other payment methods

* Reviewing unusual transaction patterns

* Identifying repeated transactions potentially structured to avoid controls

* Monitoring gold buyback transactions

* Reviewing unusual customer behaviour

* Ensuring appropriate customer and transaction records are maintained

* Escalating higher-risk or suspicious transactions

3. Wholesale Gold Transactions

Monitor larger B2B and wholesale bullion transactions.

Responsibilities include:

* Conducting KYC/KYB on wholesale customers and counterparties

* Verifying company ownership and beneficial owners

* Understanding the nature and expected activity of business customers

* Conducting enhanced due diligence for higher-risk counterparties

* Monitoring large-volume gold purchases and sales

* Reviewing unusual settlement or payment arrangements

* Monitoring transaction values, frequency and trading patterns

* Reviewing source-of-funds/source-of-wealth information where appropriate

* Screening counterparties, directors and beneficial owners against relevant sanctions and PEP databases

* Maintaining complete compliance documentation for wholesale transactions

4. AML/CFT & Transaction Monitoring

Develop, implement and maintain appropriate controls covering:

KYC KYB CDD EDD AML/CFT Sanctions PEP Transaction Monitoring Customer Risk Rating

Investigate unusual and potentially suspicious transactions across:

Digital Gold + Retail Gold + Wholesale Gold

Maintain investigation records and escalate matters according to the company’s AML/CFT and compliance procedures.

Support regulatory reporting and other statutory compliance obligations where applicable.

4. Compliance Policies & Controls

Develop and maintain:

* AML/CFT policies

* KYC/KYB procedures

* Customer acceptance procedures

* Customer risk-rating methodology

* Enhanced Due Diligence procedures

* Transaction-monitoring procedures

* Sanctions and PEP screening procedures

* Suspicious transaction escalation procedures

* Retail compliance procedures

* Wholesale counterparty onboarding procedures

* Record-keeping procedures

* Compliance incident and escalation procedures

Conduct periodic reviews to ensure controls remain appropriate as transaction volumes and business activities increase.

5. Cross-Department Monitoring

Work closely with:

Finance & Accounts – transaction reconciliation and financial exceptions

Retail Operations – physical gold purchases, sales and buybacks

Wholesale Team – high-value B2B transactions and counterparties

Technology Team – automated monitoring and platform controls

Management – compliance reporting, significant incidents and emerging risks

External Legal / Compliance Advisers – regulatory and statutory requirements

The Compliance Officer should maintain appropriate independence when reviewing transactions and escalating compliance concerns.

Management Reporting

Prepare regular compliance reports covering:

* Customer onboarding and KYC statistics

* KYC/KYB exceptions

* High-risk customers

* High-risk counterparties

* Digital transaction alerts

* High-value retail transactions

* Wholesale transaction reviews

* EDD cases

* Sanctions/PEP alerts

* Suspicious or unusual transaction investigations

* Outstanding compliance cases

* Compliance breaches/incidents

* Emerging financial-crime risks

Material compliance issues should be escalated promptly to senior management.

Candidate Requirements

* Degree in Law, Finance, Accounting, Business, Compliance or related discipline.

* Minimum 3–5 years of relevant compliance experience.

* Practical experience with AML/CFT, KYC, KYB, CDD, EDD and transaction monitoring.

* Experience reviewing high-value or unusual transactions.

* Strong investigation and documentation skills.

* Ability to work independently and escalate concerns when necessary.

* Strong analytical skills and attention to detail.

Preferred Experience

Candidates with experience in any of the following are strongly preferred:

Fintech Digital Wallet Payments Banking Remittance Gold/Bullion Precious Metals Jewellery Digital Assets High-Value Retail Wholesale Trading

Experience covering both digital financial transactions and physical/high-value transactions would be particularly valuable.

Relevant AML/compliance professional qualifications will be an advantage.

Ideal Candidate

We are looking for someone who understands that compliance at MG Gold extends beyond documentation.

The Compliance Officer will actively monitor the full transaction environment:

Digital Gold → Retail Gold → Wholesale Gold → Payments → Customer/Counterparty → Settlement

The individual should be capable of identifying unusual activity, investigating transactions, maintaining strong compliance records and helping management build a scalable compliance framework as MG Gold grows.

Pay: RM5,000.00 - RM7,000.00 per month

Work Location: In person