Compliance Operations Specialist, JP

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... [truncated for brevity]