Compliance and Internal Control Officer at Alan & Grant

Job Summary

• The Compliance and Internal Operations Officer will oversee the bank’s daily operational controls and ensure strict adherence to internal policies, CBN guidelines, and AML/CFT regulations.
• This role focuses on conducting routine internal reviews, monitoring transaction patterns, and working closely with branch and digital operations teams to mitigate operational risks, prevent fraud, and maintain compliance readiness.

Key Responsibilities

• Perform routine reviews of daily banking transactions, loan disbursements, and account opening documentation to ensure compliance with internal controls and KYC standards.
• Monitor compliance with Central Bank of Nigeria (CBN) regulations, NDIC requirements, and AML/CFT/CPF guidelines across all physical and digital banking channels.
• Identify operational risk areas within credit, cash management, and customer service workflows, and recommend corrective actions to mitigate vulnerabilities.
• Investigate transaction exceptions, operational errors, or suspected fraud cases, and draft detailed reports with findings and preventive recommendations for management.
• Review and verify internal reconciliations, expense claims, and vault balances to guarantee accurate record-keeping and safeguard bank assets.
• Track the implementation of internal and external audit recommendations to ensure all identified gaps are closed promptly by relevant business units.
• Conduct ongoing compliance and operational risk awareness briefings for frontline staff, loan officers, and operations teams.

Requirements

• Bachelor’s Degree or HND in Accounting, Finance, Banking & Finance, Business Administration, or a related discipline. Relevant certifications (e.g., MCIB, ACA, ACCA, or compliance certifications) are an advantage.
• 3 to 5 years of experience in internal control, compliance, or operations within a microfinance bank, fintech company, or commercial bank.
• Strong understanding of credit verification frameworks, digital lending operations, KYC/AML regulations, and retail banking controls.
• High proficiency in core banking applications, digital ledger systems, and MS Excel for data analysis and reporting.
• Sharp analytical skills, high integrity, strong attention to detail, and the ability to challenge operational deviations constructively.