AML/CFT & Financial Crime Management Specialist – Merpay/Mercoin

Mercari, inc.

JD in Japanese follows. 英文の後に和文JDをご覧いただけます。


Circulate all forms of value to unleash the potential in all people

“What can I do to help society thrive with the finite resources we have?” The Mercari marketplace app was born in 2013 out of this thought by our founder Shintaro Yamada as he traveled the world. We believe that by circulating all forms of value, not just physical things and money, we can create opportunities for anyone to realize their dreams and contribute to society and the people around them. Mercari aims to use technology to connect people all over the world and create a world where anyone can unleash their potential.For more information about Mercari Group’s mission, see Mercari’s Culture Doc.

Equal Opportunity Hiring

Here at Mercari, we work to realize a world in which no one’s potential is limited by their background and everyone has the opportunity to freely create value. We also firmly believe that a mindset of Inclusion & Diversity is essential for us to achieve our mission.

This, of course, extends to our hiring practices as well. Mercari is committed to eliminating discrimination based on age, gender, sexual orientation, race, religion, physical disability, and other such factors so that anyone who shares our mission and values can join us, regardless of their background. For more details, please read our I&D Statement.

Team’s Mission / Work Responsibilities

  • We are looking for a specialist to lead overall AML/CFT and financial risk management work for Merpay’s payment, credit, and crypto-asset trading businesses.
  • The AML & Financial Risk Management Team’s mission is “strengthen and continue to grow the compliance framework which forms the bedrock of Mercari and Merpay’s business.” This means our work goes beyond individual organizations and teams.
  • It is essential that Merpay, as a company operating finance-related businesses, further strengthen AML/CFT management frameworks and implement measures to appropriately protect users’ and Merpay’s assets from criminal and fraudulent operations, as well as mitigate risk of money laundering, financing of terrorist operations, and other criminal activity.
  • As the second line of defense, you will promote a variety of AML/CFT and financial risk management-related measures and plans, as well as support and contribute effective leadership to the upper management and business teams.
  • Specifically, you will:
    • Decide policy and implement countermeasures as part of AML/CFT frameworks and anti-fraud measures
    • Analyze suspicious transactions (from the perspectives of AML, CFT, and anti-social forces) and consider appropriate countermeasures
    • Collect and summarize matters to be reported to top management
    • Decide policy and countermeasures related to the exclusion of anti-social forces
    • Decide policy with regards to adding to, deleting from, or correcting monitoring rules/operational flows
    • Decide policy with regards to adding to or correcting CDD/KYC standards
    • Decide policy with regards to adding to or correcting standards for merchant screening
    • Define requirements for work/systems related to AML/CFT and fraud monitoring systems
    • Change operations and alter frameworks to reflect changes to laws and ordinances
    • Conduct investigations of incidents when they occur, decide policy for response, and work together/formulate reports with other teams

Unique and Bold Challenges

  • Utilize creativity to handle risk and solve issues with regards to AML/CFT, at a FinTech company powered by cutting-edge technology
  • Gain experience working together with the management and business teams to establish AML/CFT management frameworks and start a new business
  • Manage AML/CFT risk as it arises for Mercari’s marketplace app (17M users per month) and other businesses, as part of a small team of dedicated professionals
  • Collaborate with other companies on anti-fraud and AML/CFT measures, as well as make appearances at cashless payment industry events, advocate for change, and act on behalf of the industry

Required Experience

  • A strong, shared belief in Mercari and Merpay’s missions and values
  • Experience working in AML/CFT and financial risk management for a bank, securities company, FX service provider, crypto-asset exchange, etc. (5 years experience or more)
  • Deep knowledge and understanding of AML/CFT or financial risk management
  • Strong interest in and understanding of finance-related business (especially FinTech)

Preferred Experience

  • Experience working at a venture or startup
  • Experience communicating with and conducting inspections alongside relevant authorities
  • Project management experience
  • Experience defining system and work process requirements related to AML and fraud detection

Screening Criteria

  • Has a strong, shared belief in Mercari and Merpay’s missions and values
  • Has high communication ability and desire to better oneself
  • Proactive and capable of thinking independently for the good of the team
  • Capable of going bold and possessing a strong sense of responsibility in regards to their work
  • *Check here for more details

Language Requirements

  • English: Independent (CEFR – B2) Preferred
  • Japanese: Independent (CEFR – B2)
    * For details about CEFR, see here

Related Articles

Working Conditions

Employment Status


  • Probationary period: First 3 months after joining the company. (During this period your contract conditions will be the same as that of a permanent employee.)



  • Smoking is prohibited within our offices
  • Mercari has introduced a work style policy called “Your Choice.” Each member is free to choose whether they want to work in the office or work fully remote. *Exceptions made for certain kinds of work.

Work Hours

  • Full flextime (no core time)
    *Does not apply to all positions


  • Two days off per week (as well as national holidays, New Year’s break, etc.)
  • Paid leave, congratulatory and bereavement leave, relax days, sick leave


  • Annual salary paid in 12 monthly installments (including fixed overtime allowance)
  • Based on skills, experience, and abilities
  • Reviewed twice a year


  • Complete health and social insurance
  • Incentive program
  • Support systems, including those that benefit employee family members
  • Language learning support
  • Translation/interpretation support
    *See this page for details.



Corporate Sites

Owned Media




テクノロジーの力で世界中の人々をつなぎ、あらゆる人の可能性が発揮される世界を実現していきます。メルカリグループの目指すべき方針についてはMercari Culture Docをご覧ください。


メルカリでは、バックグラウンドによって個人の可能性が決めつけられることなく、自由に価値を生みだす機会を手にできる社会の実現を目指しています。そしてメルカリがミッションを実現するために「Inclusion & Diversity」という考え方は不可欠な存在だと考えています。


詳しくはI&D statementをご覧ください。



  • スマホ決済サービス「メルペイ」の決済事業・与信事業・暗号資産交換事業におけるAML/CFTおよび金融犯罪対策業務全般をリードしていただくスペシャリストを募集しています。
  • AML&金融犯罪対策チームは「メルカリ/メルペイの事業推進の基盤となるコンプライアンス態勢をより強化して成長し続ける」というミッションを掲げ、事業部や組織の垣根を超えながら、日々業務を推進しています。
  • 金融事業を担うメルペイにとって、マネー・ロンダリングやテロ資金供与等に不正利用されないよう、また、顧客や自社資産を不正や金融犯罪から適切に保護できるよう、それぞれのビジネスにおけるリスクに応じた軽減策を施し、管理態勢を更に高度化していくことは必要不可欠です。
  • 第2線としてAML/CFTおよび金融犯罪対策に関する様々な対策や企画を推進し、経営や事業部門に対して実効的な牽制及びサポートを実施していただきます。
  • 具体的な業務は以下の通りです。
    • AML/CFT態勢および不正対策における方針決定・対策実行
    • 疑わしい取引(AML/CFT/反社会勢力)の分析および対策検討
    • 経営層への報告事項のとりまとめ
    • 反社会的勢力の排除に関する対策・方針決定
    • 監視ルール/運用フローの追加・修正・削除の方針決定
    • CDD/KYCにおける基準の追加・修正の方針決定
    • 加盟店審査基準の追加・修正の方針決定
    • AML/CFTおよび不正監視関連システムに関する業務・システム要件定義
    • 法改正に伴う態勢・運用の変更
    • インシデント発生時における調査・対応方針決定・他部署との連携・報告


  • 最先端のテクノロジーを駆使したFintech企業において創意工夫をこらしながらAML/CFTにおけるリスク・課題に対処し解決できること
  • 新規事業の立ち上げに際して経営や事業部門と協力しながらAML/CFT管理態勢を整備し新規事業をスタートさせる体験を得られること
  • 月間1,700万人のお客さまを持つ、フリマアプリ「メルカリ」に加え、複数の事業から生じうるAML/CFTリスクを少数精鋭のメンバーで管理していくこと
  • 不正対策・AML/CFT対策における他社との連携、およびキャッシュレス業界全体へ露出し、提言・活動を実施していくこと


  • メルカリ・メルペイのミッションとバリューへの強い共感
  • 銀行・証券・FX業者・暗号資産交換業者等でのAML/CFTおよび金融犯罪対策に関する業務経験(5年以上)
  • AML/CFTもしくは金融犯罪対策に関する深い知識と理解
  • 特にFintech事業を含む金融ビジネスへの強い関心と理解


  • ベンチャー企業やスタートアップでの業務経験
  • 当局コミュニケーション・当局検査の実施経験
  • プロジェクトマネジメント経験
  • AMLおよび不正検知に関連するシステム・業務要件定義の業務経験


  • メルカリ・メルペイのミッションとバリューへの強い共感
  • オーナーシップを持って業務に取り組み、ベストを尽くすための努力を惜しまない
  • チームのために、自ら考え、自ら動き、率先して成功のために行動できる
  • コミュニケーション能力が高く、組織やプロジェクトを動かすことができる
  • ※詳しくはこちらのページをご覧ください。


  • 英語: Independent (CEFR – B2) 歓迎
  • 日本語: Independent (CEFR – B2)
    ※ CEFRの詳細については、こちらをご覧ください





  • 試用期間:入社後3ヶ月(本採用と同条件) 



  • 受動喫煙対策: 屋内全面禁煙
  • メルカリには「YOUR CHOICE」というワークスタイルに関する制度があります。オフィス出社をすることも、フルリモートワークを選択することも自由に選択することができます。※一部職種を除く


  • フレックスタイム制(コアタイムなし)


  • 完全週休2日制(祝祭日、年末年始 等)
  • 有給休暇、慶弔休暇、リラックス休暇、Sick Leave


  • 月給制(固定残業代含む)
  • スキル・経験・能力に応じて決定いたします
  • 毎年2回見直し 


  • 各種社会保険完備
  • インセンティブ制度
  • 社員の家族を含めた支援制度
  • 語学学習のサポート
  • 翻訳と通訳のサポート
    ※ 詳しくはこちらのページをご覧ください。


  • リロケーションサポート

  ※ 詳しくはこちらのページをご覧ください。




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