Compliance & Onboarding Agent

We are looking for a skilled and organised Compliance & Onboarding Agent to join our team!

This is a great opportunity to help shape SnapScan’s compliance and customer onboarding journey. You’ll gain deep insights into the payments industry while expanding your expertise within a dynamic, Cape Town-based fintech leader.

Our ideal candidate is a dual-threat: a product cheerleader and a relentless problem-solver for our customer base. We take pride in delivering quick, efficient, and friendly service, and we expect you to do the same.

The details of the role are outlined below, but keep in mind that we operate in a fluid and fast-paced environment. If you’re looking for a role where you can adapt to changing challenges and seize new opportunities, we want to hear from you.

Key Responsibilities will include:

• Executing back-office processes relating to KYC, AML, CTF, and FICA requirements, specifically focusing on the registration of merchants and the manual verification of user accounts when automated DHA checks fail for withdrawals. This ensures conversion rates are maximised while adhering to legislation and minimising risk.
• Meaningfully contributing to the remediation of non-compliant merchants, with proactive and data-driven participation in getting customers over the line into a compliant/verified state.
• Ensuring that you have a broad understanding of both our merchant- and user-facing offerings, we'd like all team members to be product specialists, resolving queries independently as far as possible.
• Liaising with external sales teams (Standard Bank) to ensure the sales process generates minimal back-office noise.
• Liaising with the Compliance Manager and Product & Development Teams for any automation requirements to streamline back office processes.
• Providing feedback on customer pain points to the Product Team, engaging in the solution process and participating in the testing of iterations or features where necessary.
• Adapting the merchant and user onboard screening in terms of risk-based decisions, as well as adapting new and current requirements to both our current and future onboarding funnels, with guidance from the Compliance Lead.
• Ongoing Risk Management: Actively monitoring merchant behaviour for fraud or suspicious activity and handling the offboarding of non-compliant accounts when necessary.
• Workflow Agility: Managing high-volume, real-time compliance requests and notifications across various internal communication and ticketing platforms.
• Ethical Standards: Ensuring all onboarding and verification processes align with Treating Customers Fairly (TCF) principles and internal SLAs.

Work Schedule & Location

• Standard Working Hours: Monday – Friday, 08:30 – 17:30.
• Hybrid Work Model: You have the flexibility to choose between working remotely or from our Cape Town office. Please note that a minimum of two in-person days per month are required for critical meetings and team collaboration.
• Weekend Rotation: Approximately one weekend per month, managed on a rotational basis with the rest of the operations and support team.
• After-Hours Support: Participation in a weekday evening after-hours rotation (roughly every 8 weeks) to meet specific operational requirements.

This job may be for you if:

The Way You Think

• A Proactive Problem-Solver: You are a critical thinker who doesn't just spot problems but enjoys solving them independently.
• Process-Driven & Precise: You are highly organised, detail-oriented, and accurate in your approach to getting things done.
• Level-Headed: You stay cool under pressure and know how to "roll with the punches" when priorities shift.

The Way You Interact

• Relentlessly Customer-Focused: You are a friendly, positive person who is genuinely energised by helping others.
• Emotionally Intelligent: You relate well to people and easily establish strong working relationships across different teams.
• A Strong Communicator: You have excellent verbal and written skills, backed by a friendly and professional telephone manner.

The Way You Work

• Self-Motivated: You take initiative and don’t require constant direct management to excel.
• Technically Inclined: You are comfortable navigating new systems and picking up new tools quickly.
• High Energy: You bring a strong work ethic, integrity, and a "can-do" attitude to everything you touch.

You are our ideal candidate if you bring:

Experience & Expertise

• A Solid Foundation: You have 1+ years of experience in compliance, risk management, or similar roles.
• Industry Background: We’d love it if your experience was in the fintech, banking, or payments industry.
• Regulatory Knowledge: You have a sound understanding of FICA and Anti-Money Laundering requirements.
• Stakeholder Diplomacy: You are a skilled communicator who can bridge the gap between agile compliance workflows and corporate banking stakeholders with diplomacy and poise.
• Data Literacy: You can confidently navigate complex datasets to identify trends, anomalies, and systemic risks.
• Proactive Analysis: You have a proven track record of using data to drive “look-back” reviews and predictive risk modelling.
• The Balancing Act: You have a strong grasp of how to balance business interests with the adoption of certain levels of risk to keep the conversion/risk scales steady.

Operational Commitment

• Hybrid Flexibility: You are ready to embrace our hybrid work model and work effectively whether you are remote or in our Cape Town office.
• Rotational Support: You are available to meet operational requirements outside standard hours. This includes:

Weekends: Participation in a rotation roughly once per month.

After-Hours: Joining the weekday evening rotation approximately every 8 weeks.

Bonus points for:

• Academic Background: A bachelor's degree in law.
• Certifications: Any formal certifications in Compliance and/or Risk Management.
• Technical Familiarity: Previous experience working in Looker, Freshdesk, and CRMs.
• Specialised Experience: A background in onboarding both merchants and users using both Risk and Rule-Based approaches.

The benefits of joining our team:

• A competitive salary
• 30 days of annual leave
• A medical aid contribution/fringe benefit of up to R2 000 per month
• An Apple MacBook and the necessary gear
• Discretionary annual bonus
• Lots of opportunities to learn
• Flexible office/remote working - you get to choose whether you want to work remotely or from the office, depending on the importance of critical meetings
• Paid parking (when working from the office)
• 3 Mental health days a year
• The opportunity to be part of a great team and culture!

Do you feel like you would be a good fit? If you’re interested in applying for this role and you meet the necessary requirements, please submit your CV, together with your completed application, on the link below.