Money Laundering Reporting Officer (MRLO), Mexico - Global Payment

About the Team: The Global Payment team provides 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 TikTok.

We are looking for an experienced and pragmatic financial crime compliance officer to serve as Oficial de Cumplimiento (Compliance Officer / MLRO equivalent) for our Mexican entity in the process of licensing as Institución de Fondos de Pago Electrónico (IFPE). In this role, you will act as the primary focal point for AML/CFT compliance, holding personal accountability for the IFPE's obligations and registering with the Unidad de Inteligencia Financiera (UIF) as the designated Oficial de Cumplimiento. This is a senior control-function role requiring strong regulatory judgment, deep familiarity with the IFPE regulatory regime, and proven experience engaging with Mexican financial and law-enforcement authorities. The successful candidate will act as a key point of local accountability for AML/CFT matters, including suspicious activity reporting, regulatory interactions, inspection visits, audits, and ongoing supervisory engagement.

Responsibilities Regulatory & Governance Responsibilities - Serve as the designated Oficial de Cumplimiento (MLRO equivalent) for the IFPE, registered with the UIF and appointed by the Board, holding personal accountability for AML/CFT oversight. - Coordinate the IFPE's Comité de Comunicación y Control, the mandatory governance body responsible for approving AML/CFT policies, reviewing unusual and internal-concern operations, and endorsing reports to the authorities. - Serve as the primary point of contact for the CNBV and Banxico (joint supervisors of IFPEs), the UIF, as well as law-enforcement authorities and external auditors on AML/CFT matters. - Lead and coordinate responses to CNBV and Banxico inspection visits (visitas de inspección), supervisory reviews, the mandatory independent AML audit, internal audits, and assurance activities, ensuring timely and effective remediation of findings. - Provide regular and ad-hoc AML/CFT risk reporting to the Board, the Comité de Comunicación y Control, and Senior Management, including escalation of material issues. AML/CFT Framework Implementation - Conduct and maintain the IFPE's enterprise-wide risk assessment (Evaluación de Riesgos), covering product, customer, transaction, channel, and geographic risk, with specific focus on electronic funds flows and platform-enabled activity. - Maintain and continuously update the IFPE's manual de cumplimiento (AML/CFT compliance manual) as required for authorization and ongoing operation, adapting global policies to Mexican law and the institution's operational reality. - Oversee the design, implementation, and ongoing effectiveness of the AML/CFT control framework across the customer lifecycle: risk-based customer due diligence (CDD/KYC/EDD) and digital onboarding/identity verification, beneficial ownership identification, transaction monitoring, sanctions screening (including the UIF's Lista de Personas Bloqueadas alongside OFAC and UN lists), and record-keeping. - Ensure timely and accurate filing of the required reports to the UIF in line with prescribed thresholds and formats. - Ensure AML/CFT controls are appropriately calibrated to the IFPE's products, electronic-funds transaction flows, account limits and tiering, and customer risk profiles. - Identify emerging risks (including typologies relevant to money transfers, synthetic-identity and account-takeover fraud, and platform-enabled financial activity) and drive enhancements to policies, systems, and governance. Advisory & Stakeholder Engagement - Work with the global PIPO AML advisory team during the launch of new payment products and services to build "Compliance by Design," ensuring AML/CFT and CNBV/Banxico expectations are embedded