Compliance and Anti-Money Laundering Officer - Simbrella Ghana

The Compliance Officer / Anti-Money Laundering Reporting Officer (AMLRO) is responsible for establishing, maintaining, and overseeing an effective compliance and AML/CFT framework within the organization. The role ensures that the company operates in line with applicable laws, regulations, guidelines, and internal policies governing its operations as a licensed FinTech entity.

The Officer will serve as the principal liaison with regulatory bodies including the Bank of Ghana, Financial Intelligence Centre (FIC), and other oversight agencies, ensuring timely reporting, risk mitigation, and adherence to best practices in compliance governance.

KEY RESPONSIBILITIES

Regulatory Compliance & Governance

• Develop, review, and implement compliance and AML/CTF policies, procedures, and internal controls in line with regulatory requirements.
• Monitor and ensure compliance with directives from the Bank of Ghana, Financial Intelligence Centre (FIC), Data Protection Commission (DPC), National Communications Authority (NCA), Office of the Registrar of Companies (ORC), and relevant international standards (ISO).
• Conduct periodic compliance risk assessments and implement risk mitigation measures.
• Maintain an up-to-date compliance register and ensure timely submission of all required reports to regulators and the Board of Directors.
• Provide ongoing compliance guidance to management and staff to foster a culture of regulatory awareness and ethical conduct.

Anti-Money Laundering (AML) & Counter-Terrorism Financing (CTF)

• Act as the company’s designated AMLRO and ensure compliance with the Anti-Money Laundering Act and related guidelines.
• Conduct customer due diligence (CDD) and enhanced due diligence (EDD) as required.
• Monitor transactions for suspicious activity and file Suspicious Transaction Reports (STRs) with the FIC in a timely manner.
• Deliver periodic AML/CTF training to employees and monitor adherence to established controls.

Risk Management & Business Continuity

• Identify and assess emerging compliance and operational risks, and recommend preventive measures.
• Design and oversee systems to ensure business continuity and data protection compliance.
• Review and validate all partnership, vendor, and service agreements to ensure regulatory conformity and minimize legal exposure.

Stakeholder & Board Engagement

• Serve as the primary liaison between the company and regulatory bodies, auditors, and other external stakeholders.
• Prepare and present quarterly compliance and risk reports to the Board of Directors and Management.
• Support external audits, regulatory inspections, and internal reviews.

External Contact 

• Bank of Ghana – FinTech & Innovation Office
• Financial Intelligence Centre (FIC)
• Data Protection Commission (DPC)
• National Communications Authority (NCA)
• Office of the Registrar of Companies (ORC)
• International Organization for Standardization (ISO)
• External Auditors 

Required Skills or Experience

Qualifications & Experience

• Bachelor’s degree in  Finance, Business Administration, or a related discipline.
• Minimum of 2 years’ experience in compliance, audit, or risk management within the banking or financial services sector.
• Prior experience in fintech, credit scoring, or digital financial services is an advantage.

Skills & Competencies

• Strong understanding of Ghana’s financial regulations and data protection framework.
• Excellent analytical, problem-solving, and decision-making abilities.
• Exceptional written and verbal communication skills.
• Integrity, attention to detail, and sound professional judgment.
• Proactive and adaptable in a fast-paced, technology-driven environment.
• Strong presentation, interpersonal, and stakeholder management skills.

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