Compliance Analyst at Carbon Nigeria

About This Role

• Carbon is a credit-led digital bank serving individuals and small businesses across Nigeria. Every customer we onboard, every loan we disburse and every naira that moves through our accounts passes a compliance check. That makes compliance one of the biggest levers on how fast and how safely we grow.
• We are hiring a Compliance Analyst who wants to do more than clear a queue. You will run core AML, KYC and regulatory work with real rigour. You will also help redesign how that work gets done: working with Product on onboarding flows, writing the rules that catch bad actors without blocking good customers, and helping build the AI tools our compliance team uses every day. You will work directly with one of our co-founders on that build.
• This is an analyst role. The work is hands on and detail heavy. The right person will also have room to shape how a modern bank does compliance.
• You will be assessed on four things: timely, defensible decisions on alerts and reports; fast, safe onboarding; zero missed regulatory deadlines; and measurable improvements to how the team works, through better rules, automation and AI tools.

Responsibilities

Monitoring and investigations:

• Review transaction monitoring alerts every day, investigate them, and decide whether to clear, monitor or escalate.
• Draft Suspicious Transaction Reports and Currency Transaction Reports.
• Run enhanced due diligence on high risk customers and businesses, including politically exposed persons, and keep PEP and sanctions screening current.
• Handle account restrictions and their removal (Post No Debit, freezes, liens) with a clean audit trail.
• Prepare accurate, on time responses to requests from law enforcement and regulators, including the EFCC, NFIU, Police and CBN.

KYC and onboarding:

• Review KYC and KYB for consumer and SME customers: BVN, NIN, CAC documents, directors and beneficial owners.
• Work with Product, Engineering and Operations on consumer and SME onboarding so it meets CBN tiered KYC rules with the least friction for good customers.
• Review new products and features for compliance risk before launch, and give clear, practical guidance on how to get to yes.

Regulatory reporting:

• Prepare and track regulatory returns against the reporting calendar, including credit bureau submissions, and chase every failure to resolution.
• Support CBN examinations, internal and external audits.
• Compliance tooling and AI:
• Help build and improve our in house AI compliance platform: test its recommendations against your own judgement, record your decisions, find where it is wrong, and help write the rules and instructions that fix it.
• Use data to tune monitoring rules, cut false alarms and spot patterns the rules miss.
• Find manual, repetitive work in the team and automate it.
• Track and report the numbers that show how the team is doing: alert volumes, time to decision, STR turnaround and backlog.

Compliance Help-desk and Internal Support:

• Manage and respond to all compliance-related queries and escalation from Internal Teams via the Compliance help-desk.
• Log, Track and Record cases within the agreed service levels, escalating where necessary.
• Provide day-to-day Compliance guidance to business Teams in line with policies and regulations.
• Assist in training sessions and awareness programs to ensure staff understand compliance obligations.

Requirements

• Bachelor's degree in Law, Accounting, Finance, Economics, Computer Science or a related field.
• 2 to 4 years in compliance, AML, KYC, fraud or risk at a bank, microfinance bank, fintech or payments company in Nigeria.
• Working knowledge of the Money Laundering (Prevention and Prohibition) Act 2022, CBN AML/CFT regulations, tiered KYC rules and NFIU reporting.
• Hands on experience investigating alerts and drafting STRs.
• Strong analytical skills. Comfortable working with large datasets in Excel or Google Sheets.
• Clear, precise writing. You can turn a messy case into a short, defensible narrative.
• High integrity and sound judgement with confidential information.
• Evidence of initiative. Show us something you built, fixed or improved without being asked.
• Regular use of AI tools such as ChatGPT or Claude in your work, and real curiosity about how they can make compliance faster and better.

Nice to Have

• SQL, Python or any scripting. This will make you stand out.
• A professional certification such as DCP, CAMS (ACAMS), ICA, CIBN or CCEP, or progress toward one.
• Experience with transaction monitoring or case management systems, or building automations with tools like Retool, Zapier or Apps Script.
• Product exposure: you have worked with a product or engineering team on a feature, written requirements or tested a user flow.
• Experience with SME onboarding (KYB) or lending.