AML–CFT Fundamental: Practical Compliance under POJK No.8 of 2023

This program provides a practical and non-technical introduction to Anti-Money Laundering and Counter-Terrorism Financing (AML–CFT) obligations for fintech companies under POJK No. 8 of 2023. The course focuses on real operational risks faced by fintech firms, including money laundering, terrorism financing, proliferation financing, sanctions screening, and account blocking. Emphasis is placed on understanding risks, recognizing red flags, and responding appropriately within the organization.

After completion of this program, participants will be better able to:

• Understand why fintech companies are considered high-risk from an AML–CFT perspective.
• Identify key regulatory expectations under POJK No. 8 of 2023 using a risk-based approach.
• Recognize common money laundering, terrorism financing, and proliferation financing patterns.
• Apply correct internal procedures when dealing with sanctions, account blocking, and suspicious activities.
• Respond effectively to red flags through proper escalation, documentation, and compliance coordination.