What is the role?

Compliance/MLRO

Monitor and ensure overall compliance with all obligations in the laws under which the company is licensed
Monitor and regularly assess that the Company complies with applicable external legislation (including AML/CTF legislation) and other regulations and guidelines issued by competent authorities, as well as the Company’s Policies and Framework
Control and regularly assess whether the AML/CTF Framework to prevent the Company being used for money laundering or terrorism financing (“ML/TF”) is appropriate and adequately implemented within the Company
Provide advice and support to employees, contractors and other persons involved in activities in a similar capacity on regulatory requirements concerning regulatory matters, conduct, financial crime, data protection, enterprise risk and consumer protection
Act as the Money Laundering Reporting Officer/Nominated Officer and ensure that the obligation of reporting SARs/STRs is fulfilled.
Periodically respond to Law Enforcement on enquiries and requests for information
Ensure the provision of information to Regulators or Partners in relation to Regulatory
Oversee engagements between the Company and regulators on general compliance and AML/CTF matters
Report to the Company Board at least quarterly on the operation and effectiveness of the Company’s AML/CTF systems and controls
Act as the designated in country Data Protection Contact person for all related matters

Risk Management

Ensure the implementation of the Company’s risk management framework by maintaining the country risk registers, conducting periodic risk assessments
Conduct the Annual AML risk assessment in line with the local regulatory requirements
Carry out quarterly Company Risk Control Self Assessments (RCSA)
Conduct product risk assessments in support of product approvals requests or new product strategies the Company is involved in
Coordinate the carrying out of the required thematic risk assessments in the local jurisdictions including but not limited to Consumer Protection Risk Assessment, Data Protection Impact Assessments (DPIA), Jurisdictional Regulatory Risk Assessments
Review and update of the local risk policies, procedures and checklists with guidance from the Governance function

Other Responsibilities

Prepare the reports to be presented to local Boards and Committees, where required.
Ensure all Company reporting (regulatory and statutory) is filed on time
Act the local/region regulatory liaison on all regulatory matters including coordinating regulatory inspections and audits
Be a proud brand ambassador for pawaPay.

You are a perfect fit if you have

At least 7 years’ proven experience in a risk and compliance role within regulatory affairs, compliance, or similar role
Experience of regulatory engagements including seeking licenses, regulatory reporting, inspections in payments/fintech, experience of this within Africa is an advantage although not essential
Excellent knowledge of legal/regulatory requirements and procedures
Confident communicator with keen attention to detail
Highly-analytical with strong attention to detail
Exceptionally diligent and proud of your output in all aspects of work
Experience working within the mobile money industry is a major advantage
Strong organisational skills
Capable of translating big picture thinking into processes and workflows within the organisation
Technology savvy and happy with a remote working environment
Happy to work in an environment that promotes autonomy and responsibility amongst its team
Demonstrates passion, energy, drive, and a willingness to collaborate with an ambitious team internationally
Willing to travel as required.

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Who is pawaPay?

pawaPay is a fast-growing B2B payments start-up, focused on mobile money in Africa. We are building the financial rails that allow entrepreneurs and merchants to reach hundreds of millions of people across Africa.
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Our vision is to connect every mobile money wallet in Africa to each other and to the world.

Through our payments API we already facilitate over 2 million transactions a day across 15 countries in Sub-Saharan Africa. Our goal by the end of the year is to be in 19 countries and we expect our volumes and merchant base to continue to grow.

We believe that the future of payments in Africa is mobile money and we have positioned ourselves to take the lead as the payments space grows over the next decade.

At pawaPay, there is an entrepreneurial spirit coupled with a modern and professional working culture. The fast-paced, ever-changing environment will suit someone who can adapt and think on their feet. In return, you will have the opportunity to work alongside a group of dedicated and smart individuals working towards the same mission. We work as a remote team and have team members in Europe, Africa and Asia.

Why pawaPay?

Help improve financial access in Africa;
Being part of an exciting project from its early days;
An ambitious, talented, and diverse team who always has your back;
We grow fast, and you will grow fast with us;
Competitive remuneration package and the option of getting paid in digital currency;

A generous Training and Development budget;
35 days of paid leave per year (inclusive of public holidays) and much more.

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