Corporate Functions
Money Laundering Reporting Officer (MLRO), Mexico - Global Payment
Location
:
Mexico City
Employment Type
:
Regular
Job Code
:
A110414
Responsibilities
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 from the outset.
- Provide authoritative AML/CFT advice to Senior Management, product, operations, technology, and legal teams on IFPE regulatory requirements and financial-crime risk.
- Build strong working relationships across the business to promote AML/CFT ownership, awareness, and timely issue escalation.
- Maintain a strong understanding of Mexican AML/CFT legislative and regulatory developments — including Ley Fintech secondary provisions, Banxico circulars, and payments-specific requirements — and ensure timely implementation.
Qualifications
Minimum Qualification(s)
- Extensive, senior-level AML/CFT compliance experience, with a strong preference for experience in regulated payments, e-money/IFPE, or fintech institution.
- Proven experience serving as a designated Oficial de Cumplimiento or equivalent senior AML function within a CNBV-supervised institution, with direct accountability to Mexican regulators.
- Demonstrated experience engaging with the CNBV, Banxico, the UIF, and/or law-enforcement authorities, including managing inspection visits, examinations, and audits.
- Strong understanding of the electronic payments ecosystem, including electronic-funds products, transaction flows, and associated financial-crime risks.
- Experience conducting enterprise-wide AML/CFT risk assessments and developing or enhancing AML/CFT manuals, policies, procedures, and control frameworks under Mexican law.
Preferred Qualification(s)
- Direct experience within an authorized IFPE, bank, or prior experience within a Mexican regulatory authority.
- Familiarity with the Ley Fintech authorization process, Banxico secondary provisions, and the mandatory independent AML audit and Comité de Comunicación y Control governance model.
- Certification as an AML compliance officer and/or CNBV certificación en materia de PLD/FT is a strong advantage.
- Strong leadership, decision-making, and stakeholder-management skills, with the ability to operate independently and exercise sound regulatory judgment in a complex environment.
Job Information
About TikTok
TikTok is the leading destination for short-form mobile video. At TikTok, our mission is to inspire creativity and bring joy. TikTok's global headquarters are in Los Angeles and Singapore, and we also have offices in New York City, London, Dublin, Paris, Berlin, Dubai, Jakarta, Seoul, and Tokyo.
Why Join Us
Inspiring creativity is at the core of TikTok's mission. Our innovative product is built to help people authentically express themselves, discover and connect – and our global, diverse teams make that possible. Together, we create value for our communities, inspire creativity and bring joy - a mission we work towards every day.
We strive to do great things with great people. We lead with curiosity, humility, and a desire to make impact in a rapidly growing tech company. Every challenge is an opportunity to learn and innovate as one team. We're resilient and embrace challenges as they come. By constantly iterating and fostering an "Always Day 1" mindset, we achieve meaningful breakthroughs for ourselves, our company, and our users. When we create and grow together, the possibilities are limitless. Join us.
Diversity & Inclusion
TikTok is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At TikTok, our mission is to inspire creativity and bring joy. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.
TikTok Accommodation
TikTok is committed to providing reasonable accommodations in our recruitment processes for candidates with disabilities, pregnancy, sincerely held religious beliefs or other reasons protected by applicable laws. If you need assistance or a reasonable accommodation, please reach out to us at
https://tinyurl.com/RA-request
