Compliance Officer

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

📋 Description

• Oversee the daily AML/CFT compliance program at HoneyCoin Rwanda.

• Supervise transaction monitoring, sanctions screening, customer due diligence, and regulatory reporting.

• Maintain and assess AML/CFT policies, procedures, and internal controls.

• Monitor financial-crime controls and suggest enhancements.

• Provide guidance to management and business teams regarding emerging risks associated with money laundering, terrorist financing, and proliferation financing.

• Evaluate AML/CFT risks related to customers, products, transactions, partners, delivery channels, and geographical areas.

• Analyze new products, partnerships, and market initiatives from an AML/CFT viewpoint.

• Investigate unusual or potentially suspicious activities and decide on the submission of Suspicious Transaction Reports.

• Ensure the timely and accurate submission of Suspicious Transaction Reports and Currency Transaction Reports.

• Keep confidential records of investigations, reporting decisions, and regulatory submissions.

• Act as the main AML/CFT contact for the Financial Intelligence Centre, the National Bank of Rwanda, and other relevant authorities.

• Address requests from regulatory and law enforcement bodies and coordinate inspections, reviews, and meetings.

• Elevate significant regulatory issues, breaches, and financial-crime risks to senior management and the Board.

• Provide annual and necessary reports to the Board regarding the effectiveness of the AML/CFT program, risk assessments, incidents, control weaknesses, and regulatory updates.

• Facilitate independent AML/CFT audits and monitor remediation actions.

• Work collaboratively with Product, Engineering, Operations, Finance, Legal, and Commercial teams to integrate AML/CFT controls.

• Assist in AML/CFT training and foster a culture of compliance and ethical decision-making.

⛳️ Requirements

• Bachelor’s degree in Law, Finance, Accounting, Compliance, Risk Management, Business, or a related discipline.

• Proven experience in AML/CFT, financial-crime compliance, regulatory compliance, or risk management within fintech, banking, payments, remittances, or another regulated financial institution.

• Experience in managing or supporting an AML/CFT compliance program.

• Practical experience in reviewing unusual activity and preparing Suspicious Transaction Reports or Currency Transaction Reports.

• Familiarity with working alongside financial regulators, auditors, or law enforcement agencies.

• Experience in preparing compliance reports for senior management, committees, or Boards.

• Strong understanding of Rwanda’s AML/CFT laws, regulations, and reporting requirements.

• Good grasp of the regulatory expectations from the Financial Intelligence Centre and the National Bank of Rwanda.

• Solid knowledge of transaction monitoring, sanctions screening, KYC/KYB, customer due diligence, and enhanced due diligence.

• Insight into Money Laundering, Terrorist Financing, and Proliferation Financing risks.

• Capability to interpret regulatory requirements and convert them into practical policies, procedures, workflows, and internal controls.

• Familiarity with compliance-monitoring systems, case management tools, and regulatory reporting processes.

• A relevant professional qualification in AML, compliance, financial crime, or risk management, such as ACAMS or ICA, is preferred.

• Any necessary regulatory approval or professional designation required to fulfill the role in Rwanda will be advantageous.

• Strong analytical and investigative capabilities.

• Sound professional judgment, integrity, and independence.

• Excellent written and verbal communication skills.

• Strong ability in regulatory reporting and policy drafting.

• Proficient in handling sensitive and confidential information appropriately.

• Strong skills in stakeholder management.

• Ability to constructively challenge and escalate matters when necessary.

• Highly organized, detail-oriented, and focused on evidence.

• Comfortable in a fast-paced, technology-driven environment.

🏝️ Benefits

• Remote work arrangement.

• Opportunity to contribute to a fintech company developing financial infrastructure for Africa’s upcoming wave of commerce.

• Exposure to cross-border payments, digital assets, and stablecoin solutions.

• Professional development through AML/CFT training and collaboration with Product, Engineering, Operations, Finance, Legal, and Commercial teams.