AML Officer

Responsibilities

The Global Payment team provides Tik Tok payment solutions – including payment acquisitions, disbursements, transaction monitoring, payment method management, foreign exchange conversion, accounting, reconciliations, and so on to ensure that our users have a smooth and secure payment experience on the Tik Tok platform. The Global Payment Compliance team, leveraging industry and technological expertise, provides compliance policy, oversight, advisory and operational support to all of Tik Tok's products and services.

Tik Tok is more than just a content platform; it is a thriving ecosystem of commerce and creativity. As we expand our monetization features—including Tik Tok Shop, Virtual Gifting, and Creator Payouts—we are committed to maintaining the highest standards of financial integrity.

We are seeking an AML/CTF Compliance Officer to join our Financial Crime Compliance team. In this role, you will help safeguard the platform against money laundering and terrorist financing risks. You will bridge the gap between regulatory requirements and the dynamic nature of a user‑first tech platform. The Tik Tok AML Officer will provide global leadership, governance, and independent oversight of Tik Tok’s Anti‑Money Laundering and Counter‑Terrorism Financing (AML/CFT) program.

This role is responsible for establishing and maintaining a globally consistent, regulatory sound AML/CFT framework, while ensuring effective jurisdiction‑specific execution and accountability through regional financial crime compliance teams in the UK/EU, Singapore, and other jurisdictions.

The Tik Tok AML Officer will serve as the second‑line owner of Tik Tok's global AML/CFT framework, with authority to set minimum standards, challenge regional implementation, and escalate material risks to executive management. The role requires deep experience in payments and platform‑enabled financial services, strong regulatory judgment, and a proven ability to manage complex, multi‑jurisdictional AML programs in a fast‑moving technological environment.

This role reports to the Head of Global Payment Compliance.

• Own and maintain Tik Tok’s global AML/CFT framework, including group‑wide policies, standards, risk taxonomy, and minimum control requirements across all regulated and in‑scope entities.
• Provide independent oversight and challenge of regional and jurisdiction‑specific AML/CFT programs, while respecting local regulatory accountability.
• Establish global governance, escalation mechanisms, and reporting to ensure timely identification and management of material AML/CFT risks.
• Escalate AML/CFT issues directly to executive management and relevant governance committees as required.
• Act as the principal AML/CFT advisor to executive management on global financial‑crime risk, regulatory posture, and program effectiveness.
• Lead and coordinate global AML/CFT regulatory engagement strategy, including interactions with lead regulators and oversight of cross‑jurisdictional reviews and examinations.
• Monitor global regulatory developments (e.g., FATF, regional AML regimes) and ensure timely incorporation into the global framework.
• Oversee group‑wide AML/CFT risk assessments, ensuring consistency in methodology, risk appetite, and aggregation of regional risk profiles.
• Ensure AML/CFT controls are appropriately designed for payments, digital wallets, cross‑border flows, platform‑enabled transactions, and emerging products.
• Drive alignment of AML/CFT controls with business growth, product innovation, and geographic expansion.
• Provide strategic oversight of AML technology, data, and operating models, including transaction monitoring, sanctions screening, and case management.
• Lead and develop a high‑performing global AML/CFT organization, setting expectations for culture, accountability, training, and professional development.

Minimum Qualifications:

• Bachelor’s degree required.
• 15+ years of AML/CFT and financial‑crime compliance experience, with significant leadership experience in payments, fintech, digital platforms, or regulated financial services.
• Proven experience operating at group or enterprise…