Trade Compliance Officer - Ezer Finance

We are a fast-growing fintech start-up based in the US, with a growing presence in Ghana. Our mission is to empower African exporters and importers by providing innovative trade management solutions and financing options. Integrity and compliance are at the core of our operations, ensuring our platform remains secure and adheres to the highest regulatory standards.

To strengthen our compliance framework, we are seeking a dedicated Compliance Officer to oversee client onboarding, ensure adherence to KYC/KYB requirements, monitor transactions, and mitigate risks associated with money laundering and trade-based money laundering (TBML).

Key Responsibilities:

Client Onboarding & Due Diligence:

• Review and verify clients’ KYC (Know Your Customer) and KYB (Know Your Business) documentation to ensure compliance with internal and regulatory requirements.
• Conduct background checks on listed directors, shareholders, and contact persons to confirm they are not politically exposed persons (PEPs) or listed on any AML sanction lists.
• Utilize internal verification platforms and external research tools to validate client legitimacy before onboarding.
• Ensure that all required documentation is complete, accurate, and updated periodically in line with industry regulations.

Ongoing Compliance Monitoring:

• Regularly review and update client records to ensure continued compliance with AML and regulatory standards.
• Conduct periodic screenings of clients, trade partners, and key stakeholders against international and local sanction lists.
• Ensure that clients’ business activities remain within their registered scope and that traded commodities align with what they’ve been registered to do.
• Identify and flag any changes in client structures that could indicate potential risk factors, such as undisclosed affiliations or ownership changes.

AML & TBML Risk Management:

• Monitor transactions to detect and prevent potential trade-based money laundering (TBML) activities.
• Assess trade routes for complexity, ensuring we do not support trades that pass through high-risk or restricted jurisdictions.
• Evaluate whether related parties in a trade transaction are significantly linked through directors or holding structures to prevent potential collusion.
• Verify that all trades conducted on the platform comply with international sanction regulations and restricted business lists.

Trade Documentation & Compliance Coordination:

• Work closely with Account Managers, Credit Teams, and Finance to ensure that all trade documentation is up-to-date and aligned with internal and regulatory requirements.
• Conduct periodic audits of trade records to identify any discrepancies or missing documents.
• Ensure that all ongoing and completed transactions have the necessary supporting documents to validate their legitimacy.

Regulatory Adherence & Industry Best Practices:

• Stay updated on local and international compliance regulations, AML/TBML laws, industry best practices, and emerging risks in the fintech and trade finance sector.
• Assist in updating internal compliance processes to align with evolving industry standards.
• Ensure that client onboarding and compliance procedures meet the requirements of our financial and trade partners.

Requirements:

• Bachelor's degree in Finance, Business Administration, Law, or a related field.
• Minimum of 2-3 years experience in compliance, risk management, AML, or trade finance-related roles with a regulated financial institution.
• Strong understanding of KYC/KYB processes, AML regulations, and TBML risk factors.
• Familiarity with international sanction lists, including OFAC, EU, and UN sanction lists.
• Experience working with compliance verification platforms and transaction monitoring tools.
• Excellent analytical and investigative skills with keen attention to detail.
• Ability to work independently and collaboratively across departments to enforce compliance measures.
• Strong written and verbal communication skills, with the ability to document and present compliance findings effectively.

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