Compliance Officer at SmartSend Finance

SmartSend is dedicated to transforming the remittance landscape for Nigerians and Africans in the Diaspora. Our mission is to provide a reliable, fast, and cost-effective solution for money transfers. With our licensed operations and cutting-edge technology, we ensure that your funds reach your loved ones safely and quickly.

As a licensed Money Services Business (MSB) in Canada, UK, France, Italy and Montana, USA, we prioritize your safety and security.  We leverage technology to enhance your transfer experience. We are committed to supporting communities and families across borders.

We are recruiting to fill the position below:

Job Title: Compliance Officer

Location: Ikeja, Lagos
Employment Type: Full-time

Position Overview

• We are seeking a Compliance Officer (Nigeria) to support the implementation and monitoring of regulatory compliance, AML/CTF controls, and operational risk management across our Nigerian operations.
• The Compliance Officer will be responsible for ensuring SmartSend’s operations in Nigeria comply with applicable AML/CTF regulations, internal policies, and regulatory guidelines.
• This role will support transaction monitoring, regulatory reporting, internal controls, audits, and risk mitigation while working closely with operations, IT, and management.

Key Responsibilities
Compliance & Regulatory:

• Implement and maintain AML/CTF policies, procedures, and internal controls in line with CBN, NFIU, and relevant Nigerian/International monetary regulations.
• Monitor compliance with internal policies, regulatory guidelines, and operational procedures.
• Conduct periodic compliance risk assessments and control testing.
• Monitor regulatory changes and recommend updates to policies and processes.

AML / Transaction Monitoring:

• Review daily transactions and investigate suspicious or unusual activity.
• Support the preparation and filing of Suspicious Transaction Reports (STRs) to the NFIU within regulatory timelines.
• Oversee customer due diligence (KYC/CDD/EDD) and sanctions screening.
• Review onboarding documentation and ensure completeness and accuracy.

Internal Controls & Risk:

• Conduct spot checks, process reviews, and control testing to identify weaknesses.
• Investigate compliance breaches, anomalies, and policy violations.
• Track and follow up on audit findings and remediation actions.
• Assist with internal and external compliance audits.

Reporting & Governance:

• Prepare compliance reports for management and regulators.
• Maintain compliance registers, incident logs, and risk trackers.
• Support training and awareness programs to promote a strong compliance culture.

Qualifications & Requirements
Education:

• Bachelor’s Degree in Accounting, Finance, Law, Business Administration, or related field.
• Professional certifications (CAMS, CFE, CISA, ACA, ICAN, or Compliance-related certification) will be an advantage.

Experience:

• Minimum of 3–5 years’ experience in compliance, AML, internal control, or risk management.
• Experience in FinTech, Banking, or Payment Services is highly desirable.
• Practical knowledge of KYC, AML/CTF, transaction monitoring, and regulatory reporting.
• Strong analytical, investigative, and documentation skills.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Office and compliance/monitoring tools.

Residency Requirement:

• Applicants must be resident in Nigeria.

Why Join SmartSend?

• Work with a fast-growing global FinTech brand.
• Exposure to international compliance standards.
• Opportunity to build strong regulatory and risk expertise.
• Collaborative, innovative, and compliance-driven work culture.

Application Closing Date
28th February,. 20206.

How to Apply
Interested and qualified candidates should send their CV and a brief cover letter to: careers@smartsendfinance.com using "Compliance Officer – Nigeria" as the subject of the email.