Compliance Manager & Anti-money Laundering Reporting Officer

Location: Accra, Ghana

Industry: Fintech / Payment Services

Salary: GHC 15,000 - 18,000 NET (Negotiable)

Deadline: 25 Sep 26

 Job Brief

We are looking for an experienced Compliance Manager & Anti-Money Laundering Reporting Officer (AMLRO) to lead the company’s regulatory compliance and anti-money laundering function.

The successful candidate will be responsible for ensuring that the company operates in accordance with applicable Bank of Ghana requirements, anti-money laundering and counter-terrorist financing requirements, relevant Ghanaian laws and regulations, and the company’s internal policies.

The role will oversee the company’s compliance framework, AML/CFT controls, merchant KYC and due diligence processes, regulatory reporting and ongoing monitoring of compliance risks.

The Compliance Manager & AMLRO will also serve as a key point of contact on compliance and AML matters and provide management and employees with guidance on regulatory requirements affecting the business.

Key Responsibilities

Regulatory Compliance

• Develop, implement and maintain the company’s regulatory compliance framework, policies and procedures.
• Ensure ongoing compliance with applicable Bank of Ghana requirements and other relevant laws and regulatory directives.
• Monitor regulatory developments affecting the company’s operations and advise management on their implications.
• Review existing procedures, controls and reports periodically to identify regulatory risks, weaknesses or non-compliance.
• Assess the effectiveness of internal compliance controls and recommend improvements where necessary.
• Review proposed products, services, partnerships and business initiatives to identify compliance and regulatory risks before implementation.
• Prepare and coordinate compliance reports and regulatory submissions as required.
• Liaise with the Bank of Ghana and other relevant regulatory authorities on compliance matters as required.
• Maintain appropriate compliance records and documentation.
• Work with management, legal advisers, HR and other departments to ensure appropriate implementation and enforcement of regulatory and internal requirements.

Anti-Money Laundering / AMLRO Responsibilities

• Serve as the company’s Anti-Money Laundering Reporting Officer (AMLRO).
• Develop, implement and periodically review the company’s AML/CFT policies, procedures and internal controls.
• Ensure appropriate implementation of customer and merchant identification, Know Your Customer (KYC), Customer Due Diligence (CDD) and, where required, Enhanced Due Diligence (EDD) procedures.
• Oversee AML risk assessments for customers, merchants, products, services and other relevant business relationships.
• Monitor the effectiveness of systems and controls designed to identify potentially suspicious transactions or activities.
• Receive and assess internal reports of suspicious transactions or activities and determine the appropriate action in accordance with applicable regulatory requirements.
• Coordinate the filing and maintenance of required AML/CFT reports and records.
• Ensure appropriate screening and monitoring processes are maintained in relation to sanctions, politically exposed persons (PEPs) and other higher-risk relationships.
• Keep abreast of developments in money laundering, terrorist financing, proliferation financing and financial crime risks relevant to the company’s operations.
• Provide AML/CFT guidance to management and employees.
• Coordinate periodic AML/CFT awareness and training programmes for relevant employees.
• Maintain appropriate confidentiality in relation to suspicious transaction reporting, investigations and other sensitive AML matters.

Merchant Onboarding & Monitoring

• Review KYC and due diligence documentation and approve merchant onboarding from a compliance perspective.
• Ensure merchants satisfy applicable onboarding and verification requirements before approval.
• Identify higher-risk merchants and ensure appropriate enhanced due diligence and approval procedures are followed.
• Support ongoing monitoring and periodic review of existing merchants based on their risk classification.
• Escalate material compliance, AML or financial crime concerns relating to merchants to senior management where appropriate.

Compliance Monitoring & Reporting

• Develop and maintain an appropriate compliance monitoring programme.
• Conduct periodic compliance reviews and identify weaknesses, breaches or emerging regulatory risks.
• Investigate or coordinate investigations into potential compliance breaches.
• Recommend corrective actions and monitor their implementation.
• Prepare periodic compliance and AML reports for senior management and, where applicable, the Board.
• Maintain records of compliance incidents, regulatory issues and remedial actions.
• Support regulatory examinations, audits and information requests.

Requirements

• Bachelor’s degree in, Finance, Accounting, Business Administration, Economics, Law or another relevant discipline.
• Minimum 4 years of relevant compliance, AML, risk or regulatory experience, preferably within fintech, banking, payments or another regulated financial-services environment.
• Strong knowledge of Ghana’s financial-services regulatory environment and Bank of Ghana requirements applicable to payment service providers.
• Practical knowledge of AML/CFT requirements, KYC, customer due diligence, transaction monitoring and financial crime risk management.
• Experience dealing with regulatory reporting, compliance monitoring and internal control frameworks.
• Strong understanding of merchant onboarding and compliance risk assessment.
• Excellent analytical and investigative abilities.
• Strong report-writing, documentation and record-keeping skills.
• High level of integrity, independence and professional judgement.
• Ability to challenge decisions and escalate compliance concerns when necessary.
• Excellent written and verbal communication skills.
• Strong organisational and planning abilities.

Preferred Qualifications

• Previous compliance or AML experience within a Bank of Ghana-regulated fintech, payment service provider, bank or other financial institution will be a strong advantage.
• Professional certification in AML, compliance, risk or financial crime, such as ACAMS, ICA or another recognised professional qualification, will be an advantage.
• Previous experience serving as an AMLRO, MLRO, Deputy AMLRO/MLRO, Compliance Manager or in a comparable regulatory role will be an advantage.

Key Competencies

• Regulatory compliance
• AML/CFT compliance
• KYC, CDD and EDD
• Merchant risk assessment
• Financial crime risk management
• Regulatory reporting
• Compliance monitoring and testing
• Policy development and implementation
• Risk identification and mitigation
• Investigation and analytical skills
• Integrity and independent judgement
• Stakeholder management

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