The Role
Oversee daily operational controls, ensure compliance with CBN and AML/CFT rules, conduct transaction and KYC reviews, investigate exceptions or fraud, verify reconciliations, track audit recommendation closure, and deliver compliance training to frontline teams.
Summary Generated by Built In
Our client is a rapidly growing microfinance bank in Nigeria,
dedicated to providing accessible financial services, retail banking, and SME
loans to individuals and small businesses.
Job Summary
The Compliance and Internal
Operations Officer will oversee the bank’s daily operational controls and
ensure strict adherence to internal policies, CBN guidelines, and AML/CFT
regulations. This role focuses on conducting routine internal reviews,
monitoring transaction patterns, and working closely with branch and digital
operations teams to mitigate operational risks, prevent fraud, and maintain
compliance readiness.
Key Responsibilities- Perform
routine reviews of daily banking transactions, loan disbursements, and account
opening documentation to ensure compliance with internal controls and KYC
standards.
- Monitor
compliance with Central Bank of Nigeria (CBN) regulations, NDIC requirements,
and AML/CFT/CPF guidelines across all physical and digital banking channels.
- Identify
operational risk areas within credit, cash management, and customer service
workflows, and recommend corrective actions to mitigate vulnerabilities.
- Investigate
transaction exceptions, operational errors, or suspected fraud cases, and draft
detailed reports with findings and preventive recommendations for management.
- Review and
verify internal reconciliations, expense claims, and vault balances to
guarantee accurate record-keeping and safeguard bank assets.
- Track the
implementation of internal and external audit recommendations to ensure all
identified gaps are closed promptly by relevant business units.
- Conduct
ongoing compliance and operational risk awareness briefings for frontline
staff, loan officers, and operations teams.
Requirements
- Bachelor’s degree or HND in Accounting,
Finance, Banking & Finance, Business Administration, or a related
discipline. Relevant certifications (e.g., MCIB, ACA, ACCA, or compliance
certifications) are an advantage.
- 3 to 5 years of experience in internal
control, compliance, or operations within a microfinance bank, fintech company,
or commercial bank.
- Strong understanding of credit
verification frameworks, digital lending operations, KYC/AML regulations, and
retail banking controls.
- High proficiency in core banking
applications, digital ledger systems, and MS Excel for data analysis and
reporting.
- Sharp analytical skills, high integrity,
strong attention to detail, and the ability to challenge operational deviations
constructively.
Skills Required
- Bachelor's degree or HND in Accounting, Finance, Banking & Finance, Business Administration, or related discipline
- 3 to 5 years experience in internal control, compliance, or operations within a microfinance bank, fintech, or commercial bank
- Strong understanding of credit verification frameworks, digital lending operations, KYC/AML regulations, and retail banking controls
- High proficiency in core banking applications, digital ledger systems, and MS Excel for data analysis and reporting
- Relevant certifications (e.g., MCIB, ACA, ACCA, or compliance certifications)
- Sharp analytical skills, high integrity, strong attention to detail, and ability to challenge operational deviations constructively
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The Company
What We Do
Alan&Grant is a People Development Company creating innovative HR & Organisational Development Solutions for result-driven organizations, focusing on improving performance and aligning the workforce.
