Risk & Compliance Officer Job pycs

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Key Responsibilities

• Ensure compliance with all applicable laws, regulations, and standards, including CBK, Communications Authority, FRC, PCI DSS, ISO 27001, Cards Schemes and GDPR requirements.
• Oversee compliance with licensing obligations for fintech and microfinance operations, ensuring timely renewals and adherence to CBK and other regulatory frameworks.
• Develop, implement, and maintain an effective risk management and compliance framework across payments and credit operations.
• Conduct regular risk assessments and audits to identify, evaluate, and mitigate operational, credit, and compliance risks.
• Monitor and report on compliance with AML/KYC requirements, including customer due diligence (CDD), enhanced due diligence (EDD), and sanctions screening.
• Manage AML case investigations, maintain case logs, and escalate suspicious transaction reports (STRs) to the FRC and CBK within set timelines.
• Oversee daily transaction monitoring to identify unusual, suspicious, or high-risk activity across payments and credit portfolios.
• Support the development and enforcement of policies and procedures covering AML, KYC, credit risk, data protection, and information security.
• Review and verify customer onboarding processes to ensure compliance with CBK credit and lending guidelines.
• Maintain accurate records of compliance incidents, investigations, resolutions, and follow-up actions.
• Liaise with regulators, auditors, and other external stakeholders during reviews, audits, or inspections.
• Prepare and present regular risk and compliance reports to senior management, the Audit and Risk Committee.
• Stay informed on regulatory developments, market trends, and emerging risks in fintech, digital lending, and payments.
• Provide training and awareness sessions to staff on AML/KYC, transaction monitoring, credit compliance, and regulatory updates.
• Support the onboarding process by leading compliance and security briefings for new employees.
• Promote a strong culture of compliance, integrity, and ethical conduct across all departments.

Requirements

Qualifications and Experience

• Bachelor’s degree in Law, Finance, Risk Management, Information Security, or a related field.
• Professional certifications such as CISA, CISM, CRISC, CAMS, or ISO 27001 Lead Implementer/Auditor are an added advantage.
• Minimum of 5 years’ experience in compliance, risk management, or AML/KYC within fintech, microfinance, banking, or digital lending sectors.
• Strong understanding of CBK regulations, AML/KYC standards, FRC reporting requirements, credit compliance, and licensing processes.
• Proven experience with transaction monitoring systems, AML case management, and regulatory reporting.
• Excellent analytical, communication, and report-writing skills.

How to Apply

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