Ryo Takahashi
Senior Expert, Global Business Division @ Money Forward, Inc.
About
【月10時間〜/スポット可】金融ライセンス取得・AML/CFT体制構築の専門家（外銀・FinTech・Web3出身）金融事業立ち上げ・AML/CFT体制整備の専門家として、顧問・業務委託でスタートアップを支援しています。「金融庁・財務局への登録・認可をスムーズに通したい」「AML/CFT・KYCの体制を作りたいが、社内に実務がわかる人間がいない」「リスクマネジメントの仕組みを作りたい」というフィンテック・スタートアップの経営者・管理部門を支えます。外資投資銀行でのポストトレード・KYC・AML実務、フィンテックでの資金決済法・犯収法対応、リクルートでの金融新規事業立ち上げから、Web3・クリプト（ステーブルコイン等を含む電子決済手段・暗号資産）領域まで、金融規制の現場を一貫して経験。米系ファンド立ち上げ支援や戦略コンサルの実績もあり、業界ネットワークも活用できます。■ 支援スタイルの例 ・月10〜15時間程度の伴走型（例：週1回の定例ミーティング＋Slack等での随時チャット相談・書類レビュー） ・単発・スポットでのアドバイザリー / セカンドオピニオン■ 主な支援領域 ・資金決済法、犯収法等への準拠、金融庁・財務局等の当局対応サポート ・AML/CFT、KYC体制の構築、内部管理規程の策定 ・Web3・クリプト・新しい金融スキームの法的・実務的リスク評価まずは情報交換や、現状の「壁打ち」からでもお気軽にご連絡ください。I am a Financial Regulations, Licensing, and AML/CFT Specialist, helping FinTech and Web3 startups successfully launch operations and build bulletproof compliance frameworks in Japan.Having navigated the fast-evolving regulatory landscape across global investment banking, tech giants, and crypto sectors, I bridge the gap between complex legal requirements and practical business execution.My Expertise Includes:Licensing & Registration: End-to-end support for JFSA (Financial Services Agency) registrations (Payment Services Act, FIEA, etc.).AML/CFT & KYC Frameworks: Designing and implementing compliance manuals, risk assessments, and transaction monitoring in line with the Act on Prevention of Transfer of Criminal Proceeds.Web3 & Crypto Compliance: Risk management and regulatory structuring for stablecoins, crypto assets, and next-gen financial schemes.Track Record & Background:Investment Banking: Managed post-trade, KYC, and AML operations at a top-tier U.S. investment bank.Tech & FinTech Innovation: Led financial new business development at Recruit and managed compliance frameworks for FinTech startups.Global Advisory: Proven track record in supporting U.S. fund setups and serving as a strategic consultant for complex regulatory challenges.How We Can Work Together (Flexible Engagement):Fractional Advisor (10–15 hrs/month): Weekly syncs, ongoing Slack/Teams Q&A, and document reviews. Project-Based Consultant / Spot Advisory: For specific licensing hurdles or second opinions.Feel free to connect or send a message for a casual chat on how we can de-risk your business growth in Japan.
Japan
Tokyo
Information Technology & Services
AML/CFT, Risk Management, Chief of Money Lending Operations, Python (Programming Language) - basic, Equities, Fixed Income, Trading, Trading Systems, Middle Office, Derivatives, Settlement, Corporate Actions, Back Office, Investment Banking, Equity Derivatives, Bonds, Prime Brokerage, Credit Derivatives, Bloomberg, Hedge Funds
Experience
Senior Expert, Global Business Division
Money Forward, Inc.
Tokyo, Japan
In charge of global business development for Money Forward.
Fintech Professional
Money Forward, Inc.
Tokyo, Japan
Corporate Planning Specialist
SMBC Money Forward Bank Preparatory Corporation
Tokyo, Japan
Digital banking buildout
Executice Officer
Money Forward Kessai
Tokyo, Japan
Responsible for AML/CFT and company management
Founder
Strial LLC
Tokyo, Japan
Financial services and AML/fraud management consultant/advisory. Financial license application and fintech services consultant.
AML/Financial Services Advisory and Consultancy
Tokyo, Japan
Involved in fintech services, web3, financial services related consultancy and advisory
PMO, Marketing Solutions and SaaS Risk Unit, Risk Management Office
Recruit Co.,Ltd.
Tokyo, Japan
Involved in managing/assessing/controlling risks on the Recruit's behalf holistic marketing solutions and SaaS business strategies with the management group. Playing a hub role to handle/management services related information in/outflows to ensure that risks are mitigated when things are going off track.
Saas Product Management Office, Product Division
Recruit Co.,Ltd.
Tokyo, Japan
Involved in a new product/service launch, building organization, creating operational workflow, fulfilling legal requirements, handling regulatory body conversations, AML framework buildout, outsourcing management, business alliances, business development, risk management etc.
PMO, Finance Services Risk Unit, Risk Management Office
Recruit Co.,Ltd.
Tokyo, Japan
Involved in managing/assessing/controlling risks on the Recruit's holistic financial services strategies with the management group. Playing a hub role to handle/management services related information in/outflows to ensure that risks are mitigated when things are going off track.
Head of Business Risk Advisory
Recruit MUFG Business
Assuming responsibilities to ensure the legal and compliance adherence in order to expand and maximize the growth opportunities. Also ensuring the business market fit and completing suitability study to the consumer needs.
Deputy General Manager of Corporate Division
Recruit MUFG Business
Assuming responsibilities for corporate/business management, accounting/finance, risk/compliance, HR
Corporate Division
Recruit Payment
Tokyo, Japan
Risk management/governance structure buildout, corporate operations, inspection handling, AML/CFT support, merchant management and acquiring operations, BPR, etc.
New Business Manager at Merpay
Mercari, Inc.
Tokyo, Japan
Crypto Business Buildout
Head of Business Process Management/Risk and Governance at Merpay
Mercari, Inc.
Tokyo, Japan
Merchant on-boarding, due diligence, advanced due diligence and related operations and buildout. Accountable for risk and governance program design for the entire sales operations including client DDs. Also responsible for creating/reviewing/revising DD guideline and internal risk control.
Head of Customer Services/Operations Division at Merpay
Mercari, Inc.
Within 23 wards, Tokyo, Japan
Accountable for customer services, operations projects and planning, AML/CFT/financial fraud operations and strategy, new business supports and planning, KYC, CDD, and merchant due diligence. Merpay is the financial vehicle of the Mercari group.
Executive Director
Morgan Stanley
Tokyo, Japan
Regional Head of Asia Asset Services
Executive Director
Morgan Stanley
Shanghai City, China
Regional Head of Asia Asset Services
Vice President
Morgan Stanley
Tokyo, Japan
Head of Tokyo Asset Services
Education
Suffolk University - Sawyer Business School
Finance and Marketing
Keio Business School（KBS）
Business Administration and Management, General
Ryo Takahashi's Contact Information
Phone
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