Compliance officer — AML/KYC (Nigeria) Remote · Full-time

About The Role

You will be ZeltaPay's named compliance officer — accountable to regulators, BaaS partners, and our board. You will build our compliance function from scratch: policies, KYC procedures, transaction monitoring, suspicious activity reporting, and regulatory filings. The Compliance Officer will oversee the implementation and maintenance of ZeltaPay’s anti-money laundering (AML) and know-your-customer (KYC) frameworks, ensuring they meet regulatory requirements applicable to Nigeria and other relevant jurisdictions.

What we're looking for

What You'll Own Immediately

• AML and KYC policy documentation — fit for CBN examination and BaaS provider due diligence.
• Customer risk classification framework — tiered KYC aligned to CBN KYC Regulations 2023.
• Transaction monitoring thresholds and suspicious activity reporting (SARs) to NFIU.
• Compliance due diligence responses for potential BaaS onboarding.
• AML/CFT training for all staff — this is a CBN requirement regardless of team size.
• Velocity and fraud pattern definitions — in collaboration with the engineering team.
  
  

What You'll Build Toward

• Regulatory engagement strategy for CBN PSSP or Switching licence application.
• Board-level compliance reporting cadence and risk committee structure.
• FATF Travel Rule readiness as cross-border transaction volumes grow.
• A compliance culture — where product and engineering treat regulatory requirements as inputs, not constraints.
  
  

What We Require

• 5+ years in financial services compliance in Nigeria — bank, fintech, EMI, or licensed PSP.
• Deep working knowledge of CBN AML/CFT Regulations, NFIU reporting obligations, and EFCC Act requirements.
• Strong Analytical Skills and Finance knowledge to assess transaction patterns, customer risk profiles, and potential financial crime indicators.
• Direct experience authoring AML policies and KYC procedures — not reviewing someone else's. - Experience preparing or materially contributing to a CBN licence application.
• The ability to advise product teams in plain language — translating regulation into buildable decisions.
• Willingness to operate as a solo compliance function and build the processes from nothing.
  
  

What This Role Is Not

• A role for someone who has only worked inside large, established compliance teams.
• A role where regulatory accountability can be delegated or deferred.
• A role suited to someone who needs existing frameworks before they can operate.
  
  

NICE TO HAVE

• CAMS certification (Certified Anti-Money Laundering Specialist).
• Existing professional relationships with CBN examiners or NFIU contacts.
• Prior experience at a Nigerian BaaS provider, payment processor, or EMI.
• Familiarity with Dojah, Smile Identity, or Mono for KYC identity verification.