KYC/Due Diligence Officer

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023, and currently processes the majority of the POS transactions in Nigeria.

Job Overview

The KYC Due Diligence Officer is responsible for ensuring that all customer onboarding and periodic reviews comply with regulatory requirements, internal policies, and international AML/CFT/CPF standards. The role involves performing detailed due diligence checks on individuals and businesses, assessing risk profiles, and escalating high-risk cases for Enhanced Due Diligence (EDD).

As part of the first line of defense against financial crime, the officer validates customer identity, verifies documentation, and ensures compliance with Know Your Customer (KYC), Customer Due Diligence (CDD), and EDD obligations. The role also provides advisory support to internal stakeholders, helping the business balance customer enablement with regulatory compliance.

Key Responsibilities

• Perform KYC checks for new and existing customers, ensuring compliance with regulatory and internal requirements.

• Conduct due diligence reviews using internal systems, public databases, and third-party screening tools (e.g., PEP, sanctions, adverse media).

• Assess customer risk based on the nature of business, ownership structure, transaction behavior, and geographical exposure.

• Escalate high-risk and complex cases for Enhanced Due Diligence (EDD) in line with AML/CFT policy.

• Maintain accurate and up-to-date documentation of customer records for regulatory inspections and audits.

• Work closely with Onboarding, Compliance, and Business Relationship Managers to identify and close KYC gaps.

• Track and monitor deferrals, ensuring timely collection of outstanding documents in line with compliance timelines.

• Contribute to policy reviews, process improvements, and system upgrades to strengthen KYC operations.

Key Skills & Competencies

• Strong knowledge of AML/CFT/CPF regulations, including CBN guidelines, NFIU/EFCC directives, and FATF standards.

• Practical experience with sanctions, PEP, and adverse media screening tools.

• Analytical skills with ability to interpret complex ownership structures and beneficial ownership risks.

• High attention to detail and accuracy in reviewing customer data and documents.

• Strong communication and stakeholder management skills (internal teams, regulators, auditors).

• Ability to balance regulatory compliance with business enablement.

• Strong organizational and record-keeping skills.

• Integrity and confidentiality in handling sensitive customer information.

Education & Experience

• Bachelor’s degree in Finance, Business Administration, Law, or related field.

• Certification in AML/KYC (e.g.,DCP, CAMS, ICA, or equivalent) is highly desirable.

• 2–3 years of experience in compliance, audit, KYC, or financial crime prevention (preferably in a financial institution).

• Familiarity with Nigerian regulatory compliance frameworks and global AML/CFT/CPF best practices is an advantage.

What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.

• Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.

• Compensation: You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.

What to expect in the hiring process

• A panel interview with the team lead

• A behavioural and technical interview with a member of the executive team.

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.