AML Compliance Officer

This is a fully remote position, open to applicants in Zimbabwe.

📋 Description

• Act as the local AML compliance lead and money laundering reporting officer for Yellow Card Zimbabwe.

• Serve as the in-country subject matter expert on Zimbabwean AML legislation and supervisory expectations.

• Provide daily compliance assistance in a high-volume operational setting.

• Counsel the Group MLRO on Zimbabwean AML obligations, FATF and ESAAMLG expectations, along with VASP requirements.

• Convert regulatory updates into practical advice for product, operations, customer-facing, and leadership teams.

• Foster relationships with the FIU, Reserve Bank of Zimbabwe, Securities and Exchange Commission of Zimbabwe, banking and payment partners, and other stakeholders.

• Serve as the primary compliance contact for registration, renewal, reporting, inspections, and information requests.

• Assist in the design, execution, and enhancement of the AML program, policies, procedures, risk assessment, and customer risk-rating methodology.

• Ensure controls encompass customer due diligence, beneficial ownership, record keeping, ongoing monitoring, and internal reporting.

• Review and handle large volumes of transaction monitoring alerts.

• Perform enhanced due diligence on high-risk customers, counterparties, and both fiat and digital asset transactions.

• Conduct on-chain analytics, source-of-funds, and source-of-wealth evaluations.

• Prepare and support suspicious transaction reports to the FIU.

• Assist in customer onboarding and periodic reviews for KYB, beneficial ownership, and PEP requirements.

• Perform sanctions and PEP screening against UN, OFAC, EU, and local lists.

• Execute and manage Travel Rule processes, including counterparty VASP due diligence and information-sharing workflows.

• Provide AML, sanctions, and crypto-specific risk training.

• Support reporting to regulators, auditors, the Board, and relevant committees.

• Monitor regulatory and supervisory developments and evaluate business impact.

• Maintain management information and metrics demonstrating the effectiveness of the AML program.

⛳️ Requirements

• Bachelor’s degree in law, finance, accounting, economics, business, or a related discipline.

• One to three years of direct AML, financial crime, or compliance experience at a bank, financial institution, payment provider, remittance company, or fintech regulated in Zimbabwe or a comparable jurisdiction.

• Strong understanding of Zimbabwean AML laws and regulations, including the Money Laundering and Proceeds of Crime Act, VASP registration regime, FIU reporting obligations, and FATF standards as they apply in Zimbabwe.

• Direct experience with crypto or digital assets.

• Knowledge of VASP-specific risks, blockchain analytics, wallet screening, and Travel Rule implementation.

• ACAMS Certified Anti-Money Laundering Specialist (CAMS) certification is required.

• Proficiency in English, both written and spoken, at a business level.

• Residency in Zimbabwe and the right to work in the country.

• Additional certifications such as CCAS, CCI, CFCS, or equivalent are beneficial.

• Completion of FIU, Reserve Bank of Zimbabwe, or ESAAMLG-related AML training or workshops is advantageous.

• Experience collaborating with Zimbabwean banks, payment providers, or regulators, including direct engagement with the FIU, is advantageous.

• Familiarity with Chainalysis, TRM Labs, or Elliptic is a plus.

• Knowledge of Shona and/or Ndebele is beneficial.

• Exposure to cross-border payments and emerging-market financial services is a plus.

🏝️ Benefits

• Competitive salary.

• Comprehensive health coverage.

• Stock option plan available for all full-time employees.

• Fully remote working environment.

• Access to learning and development resources, support, and autonomy.

• Mental health support services.

• A global and diverse multicultural team environment.

• Professional development assistance.

• Continued education and certification renewals.

• Direct mentorship from the Group MLRO.

• Exposure to senior leadership and external stakeholders.