合规运营专员（日本）
Compliance Operations Specialist (JP)
自2009年成立以来，商业世界发生了巨大变化，Square也不断进化。在让任何人都能进行支付并永不错过销售之后，我们发现卖家被分散、过时的产品和工具所困扰，这些工具无法协同工作。
因此，我们拓展到软件领域，开始构建集成的全渠道解决方案——帮助卖家在线销售、管理库存、提供“现在购买，稍后付款”功能、预订预约、与忠诚买家互动，并雇佣和支付员工。在整个过程中，我们在交易点嵌入了金融服务工具，使商家可以在一个地方获取业务贷款并管理现金流。Afterpay进一步实现了我们提供全渠道工具以释放有意义价值和增长的目标，使卖家能够吸引下一代消费者，增加订单规模，并在更大规模上竞争。
如今，我们是各种规模卖家的合作伙伴——包括拥有复杂运营的大企业、刚刚起步的卖家，以及最初通过Square开始销售并逐渐壮大的商家。随着我们的卖家成长，我们的解决方案也在不断发展。我们面前有一个巨大的机会。我们正在打造一项重要、有意义且持久的业务，同时帮助全球的卖家实现同样的目标。
##### **职位描述**
Square日本合规运营团队的使命是执行与监管、支付网络和合作要求相关的日常运营活动。该团队负责监控和调查潜在的合规问题，包括反洗钱（AML）、制裁、欺诈、禁止的商业活动以及违反Square商户用户协议的行为。
合规分析师将进行调查，执行商户交易监控审查，支持合规监控计划，并与内部和外部利益相关者合作，确保符合适用的日本法律、法规、支付网络要求和公司政策。
该职位仅限在日本远程办公。
##### **你将**
**运营与调查**
- 监控并通过交易监控系统和人工审查生成的合规相关警报进行调查。
- 分析商户交易活动、资金流动、客户关系和业务运营，以识别异常或可疑行为。
- 进行与反洗钱（AML）、欺诈、制裁、禁止行为相关的调查。
查看英文原文
Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn’t work together.
So we expanded into software and started building integrated, omnichannel solutions – to help sellers sell online, manage inventory, offer buy now, pay later functionality, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we’ve embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.
Today, we are a partner to sellers of all sizes – large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We’re building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.
##### **The Role**
The mission of the Compliance Operations team at Square Japan is to perform the day-to-day operational activities associated with regulatory, payment network, and partnership requirements. The team is responsible for monitoring and investigating potential compliance concerns, including anti-money laundering (AML), sanctions, fraud, prohibited business activity, and violations of Square's Merchant User Agreement.
The Compliance Analyst will conduct investigations, perform merchant transaction monitoring reviews, support compliance monitoring programs, and collaborate with internal and external stakeholders to ensure compliance with applicable Japanese laws, regulations, payment network requirements, and company policies.
This role is fully remote based in Japan only.
##### **You Will**
**Operations & Investigations**
- Monitor and investigate compliance-related alerts generated through transaction monitoring systems and manual reviews.
- Analyze merchant transaction activity, payment flows, customer relationships, and business operations to identify unusual or suspicious behavior.
- Conduct investigations related to anti-money laundering (AML), fraud, sanctions, prohibited activities, financial crime risks, and violations of Square policies.
- Verify merchant information and perform onboarding and ongoing due diligence reviews in accordance with company policies and regulatory requirements.
- Document investigative findings and make risk-based recommendations regarding account actions and escalations.
- Conduct public record research and open-source intelligence reviews to support investigations.
- Interact with merchants in Japanese and English to obtain information, communicate compliance requirements, and support remediation efforts.
- Ensure operational reviews and investigations are completed within established service level agreements (SLAs).
- Communicate with payment network partners, banking partners, and other corporate stakeholders to ensure compliance monitoring activities align with applicable requirements.
**You Have**
- Professional fluency in both Japanese and English (written and verbal).
- Bachelor's degree or equivalent professional experience.
- Minimum 3 years of experience in compliance operations, transaction monitoring, AML investigations, fraud investigations, risk management, or policy implementation within a financial institution, payment service provider, fintech company, or regulated financial services organization.
- Strong understanding of Japanese financial crime compliance requirements, including:
- Experience conducting customer due diligence (CDD), Know Your Customer (KYC), transaction monitoring, and suspicious activity investigations.
- Knowledge of Japanese payment industry regulations, merchant acquiring requirements, and payment network rules.
- Strong investigative skills, including familiarity with public record research and investigative databases.
- Strong transaction analysis skills that apply across numerous financial products and services in complex scenarios.
- Ability to identify and assess suspicious activity, financial crime risks, and policy violations.
- Strong judgment and ability to make risk-based decisions in complex investigative scenarios.
- Excellent written communication and case documentation skills in both Japanese and English.
- Ability to work in a fast-paced and dynamic environment with a drive to deliver outstanding results.
- Based in Japan.
##### **Nice to Have**
- Experience supporting regulatory examinations, audits, or law enforcement requests in Japan.
- Experience supporting suspicious transaction reporting processes and financial crime investigations.
- Experience working with merchant acquiring, payment processing, fintech, or banking products.
- Familiarity with sanctions screening systems, AML monitoring systems, and fraud detection tools.
- Experience working directly with payment networks, banking partners, regulators, or law enforcement agencies.
- CAMS, CFE, CFCS, or similar compliance certifications.
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Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed.
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_Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. **Square** makes commerce and financial services accessible to sellers. **Cash App** is the easy way to spend, send, and store money. **Afterpay** is transforming the way customers manage their spending over time. **TIDAL** is a music platform that empowers artists to thrive as entrepreneurs. **Bitkey** is a simple self-custody wallet built for bitcoin. **Proto** is a suite of bitcoin mining products and services. Together, we’re helping build a financial system that is open to everyone._
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