The posting
Job Purpose The ideal candidate is suppose to support the day-to-day operation of company Pay's compliance and financial-crime risk-management framework across payment, treasury, foreign-exchange, supplier-payment, partner-settlement and cross-border activities. The role performs due diligence, screening, monitoring, investigations, control testing, recordkeeping, regulatory support and multi-country PSP licensing coordination. Key Responsibilities. • Maintain the regulatory obligations register, licence and approval calendar, policy library, compliance plan, issue tracker and evidence repository. • Monitor relevant regulatory developments and support impact assessments, policy updates, implementation plans and staff communications. • Prepare accurate information for regulatory notifications, returns, inspections, audits, partner reviews and management or Board reporting. • Maintain a country-by-country licensing and regulatory obligations matrix covering permitted activities, licence categories, application requirements, licence conditions, regulatory contacts, fees, renewal dates and key compliance deadlines. • Coordinate complete, consistent and version-controlled licence application and approval documents, including corporate, ownership, governance, fit-and-proper, financial, operational, technology, risk, AML/CFT/CPF, consumer-protection and data-protection materials, as applicable. • Verify identity, legal existence, ownership and control, directors, authorised signatories, business activities, expected transaction profile and payment purpose. • Assign and document customer risk ratings; complete enhanced due diligence for high-risk customers, complex structures, higher-risk jurisdictions or unusual activity. • Screen customers, beneficial owners, directors, signatories, counterparties, beneficiaries, senders, recipients, banks, PSPs, vendors and other relevant parties. • Investigate potential matches using reliable identifiers, document disposition decisions and escalate confirmed or probable matches immediately. • Apply enhanced review and senior approval requirements for politically exposed persons (PEPs), their family members and close associates. • Analyse alerts against customer profile, expected activity, counterparties, geography, transaction velocity, value, frequency, device or channel indicators and payment narrative. • Request and assess supporting information; document a clear chronology, analysis, rationale, outcome and any required restrictions or follow-up actions. • Escalate suspected money laundering, terrorist financing, proliferation financing, fraud, sanctions evasion or other financial crime to the MLRO without delay. • Identify red flags such as unexplained third-party payments, over- or under-invoicing, duplicate or altered documents, inconsistent goods or values, unusual routing, split transactions or circular flows. • Review invoices, contracts, purchase orders, shipping or customs documents, beneficiary details and the commercial rationale for higher-risk payments. • Assess licensing, ownership, regulatory status, AML/CFT/CPF controls, sanctions exposure, adverse media, data protection, security and reputation of prospective partners. • Identify unfair, misleading, aggressive or deceptive practices and escalate potential customer harm or vulnerable-customer concerns. • Apply data-minimisation, purpose limitation, access-control, retention, secure-sharing and confidentiality requirements to compliance processes and case files. • Ensure no high-risk product, digital-asset feature or settlement route proceeds without documented legal, regulatory and compliance approval and confirmed permissibility. • Support investigations into suspected employee misconduct, fraud, bribery, collusion, information misuse or control circumvention. • Deliver or coordinate induction, annual and role-specific compliance training and support internal audit, external audit and regulatory reviews. Requirements • Bachelor's degree in Law, Finance, Accounting, Banking, Economics, Criminology, Risk Management, Business Administration, Information Security, Data Protection or a related discipline. • At least three years of relevant experience in compliance, AML/CFT, financial crime, risk, investigations, regulatory operations or internal controls; strong candidates with equivalent depth of experience may be considered. • At least two years of exposure to payments, fintech, banking, remittances, foreign exchange, treasury, merchant acquiring, supplier payments, institutional/corporate flows or cross-border financial services is strongly preferred. • Practical experience with KYC/KYB, beneficial-ownership analysis, EDD, sanctions/PEP screening, transaction monitoring, case investigation and defensible recordkeeping. • Experience supporting regulators, PSP licence applications, licence maintenance or market-entry projects, FIUs, banks, PSPs, auditors, data-protection authorities or strategic partners is an advantage. • Professional certification such as CAMS, ICA, CFE, CRCM, CIPP/E or a recognised local equivalent is preferred but not essential.
