Head of Risk and Compliance

You will establish and lead the compliance and risk-management framework for regulated electronic payment instruments and crypto-asset intermediary services. You will manage regulatory registration and ongoing supervisory engagement, develop AML/CFT controls, assess enterprise risks, review products and customer-facing materials, report to leadership and the board, and drive training, whistleblowing, audit follow-up, and remediation activities.

Responsibilities

• Build, operate, and continuously improve compliance systems for electronic payment instruments and crypto-asset intermediary services
• Ensure compliance with the Payment Services Act, Act on Prevention of Transfer of Criminal Proceeds, Act on the Protection of Personal Information, and related regulations
• Develop and revise compliance policies, risk-management policies, and related manuals
• Review new products, services, electronic payment instruments, and material changes for compliance, AML/CFT, consumer-protection, conflict-of-interest, and other risks
• Oversee responses to legal and supervisory-guideline changes
• Review advertising, solicitation materials, websites, and other customer-facing disclosures for compliance
• Build and operate AML/CFT/CPF and financial-crime control frameworks
• Manage customer due diligence, customer management, and transaction-record retention
• Manage customer risk assessments, ongoing due diligence, and high-risk customer cases
• Manage transaction monitoring and suspicious transaction reporting
• Manage economic sanctions, asset-freezing measures, and anti-social-force controls
• Prepare and periodically review risk-based risk assessments and report them to management
• Identify, assess, and manage issuer, credit, liquidity, operational, system, cybersecurity, and compliance risks
• Assess risks related to issuers, vendors, system providers, customer-asset management, and customer-protection measures
• Develop risk-management policies, assessment criteria, and remediation plans
• Manage risks related to system failures, cyberattacks, fraudulent transfers, and information leaks
• Handle reports, filings, inquiries, registration applications, and inspections with financial regulators
• Report material legal violations, incidents, and fraudulent transactions to management
• Provide periodic compliance and risk-management reports to the board
• Plan and deliver compliance, AML/CFT, and CPF training with the corporate management department
• Operate the internal whistleblowing system and address reported issues
• Coordinate with internal audit and manage remediation of audit findings

Requirements

• Native-level Japanese
• English reading and writing ability and willingness to work in an English-speaking environment
• Practical experience in compliance, AML/CFT, or risk management at a bank, trust bank, funds transfer provider, crypto-asset exchange provider, electronic payment instruments transaction provider, or other financial institution
• Hands-on experience handling financial-authority or financial-regulatory matters
• Ability to independently interpret the Payment Services Act and related regulations and supervisory guidelines for electronic payment instruments transaction businesses
• Knowledge of the Act on Prevention of Transfer of Criminal Proceeds, the Act on the Protection of Personal Information, and related laws
• Ability to prepare internal policies, risk assessment documents, and management reports

Benefits

• Investment in AI tools