E-Business Control Officer at Moniepoint Inc.

Department: Internal Control 
Reports to: Lead, Ebusiness Control 

About this role

• The E-Business Control Specialist role is responsible for overseeing and validating internal controls across Moniepoint MFB's digital payment platforms, electronic channels, and transaction processing systems.
• The role ensures that robust controls are designed and operating effectively to mitigate operational, digital transaction, and settlement risks.
• The Specialist will evaluate transaction flows across all Moniepoint products, API integrations, and payment channel reconciliations to safeguard digital operations.
• The position requires a deep understanding of internal control frameworks, digital risk management, e-payment regulations, and payment channel architectures.

Responsibilities

• Develop and implement control testing programmes to validate end-to-end electronic transaction flows across all products including loans, POS, web, mobile, and API channels.
• Design and monitor daily reconciliation and control processes for loans, card switching platforms, payment gateways, and third-party processor integrations.
• Perform continuous risk assessments and control testing on all electronic channels - including payment, loans, chargeback management, and dispute resolution workflows.
• Evaluate revenue assurance controls for e-business products, verifying fee configurations, commission splits, and automated ledger postings.
• Review and monitor merchant settlement accounts, transaction staging accounts, and e-channel clearing suspense accounts for timely matching and resolution.
• Assess IT application controls, authorization logic, and parameter settings relevant to e-business applications and digital channel interfaces.
• Collaborate with Product, Technology, and Operations teams to ensure internal control requirements are embedded into new digital payment product designs.
• Develop and maintain an e-business control deficiency dashboard to track and remediate issues identified during channel reviews and audits.
• Conduct regular audits of digital channel access rights, privileged user activities, and transaction limits to prevent fraud and unauthorized activities.
• Monitor compliance with relevant payment system standards, regulatory guidelines for electronic channels, and digital risk management practices.
• Perform root cause analysis on digital channel control failures, transaction outages, or settlement discrepancies, recommending preventive measures.
• Develop and manage the control deficiency remediation dashboard for follow-up and closure of open findings from control assessment, internal audit, and any external examination and assessment of finance operations.

Experience & Background

• Educational Background: A Bachelor's degree in Accounting, Business Management, Finance or a related field.
• Certifications: CISA, CRISC, CISM, ACA, ACCA or related professional credentials.
• Experience: 4-6 years of experience in internal control, digital channel auditing, e-business control, or revenue assurance within a fintech, switching company, or commercial bank.
• Framework and Standard Knowledge: In-depth knowledge and practical experience with the COSO internal control framework, ISO 31000 (Risk Management) and the relevant IFRS standards as applicable.

Skills & Competencies:

• E-Business & Payment Systems Knowledge: Deep understanding of electronic payment channels (POS, Mobile, Web, NIP, Switching platforms), API integration controls, and digital settlement mechanics.
• Control & Risk Frameworks: Expertise in internal control frameworks (COSO, ISO 31000, ISO 27001) applied specifically to fintech and digital banking operations.
• Data & Transaction Analysis: Proficiency in automated transaction reconciliation, data analytics, log analysis, and designing test scripts for high-volume digital transactions.
• Revenue Assurance: Strong capability in identifying revenue leakage, fee discrepancy analysis, and transaction reconciliation across switching networks.
• Stakeholder Management: Proven ability to build and maintain effective relationships with stakeholders across different departments.
• Continuous Improvement Mindset: A commitment to continuous learning and improvement in the field of financial technology.
• Adaptability: Ability to adapt to a dynamic and evolving threat landscape and regulatory environment.
• Leadership: Ability to lead assessments and oversee communication and feedback collection with stakeholders.
• Communication: Excellent written and verbal communication skills to effectively document and communicate assessment findings.
• Analytical & Problem-Solving: Strong analytical and problem-solving skills to identify control deficiencies, assess their impact, and develop remediation plans.
• Organizational & Time Management: Excellent organizational and time management skills to manage multiple assessments, remediation efforts, and reporting requirements.
• Integrity and Professionalism: High level of integrity and professionalism in handling sensitive information and maintaining objectivity in assessments.

What success looks like in this role:

• Full coverage and validation of end-to-end controls across all digital payment and transaction platforms.
• Zero tolerance for unresolved revenue leakages, settlement discrepancies, or unidentified channel control gaps.
• Timely remediation and closure of identified control deficiencies, internal/external audit findings, and regulatory assessment gaps.
• Seamless integration of robust control requirements into all new digital products and API releases prior to launch.

Why join us: 

• Competitive compensation, benefits, and career growth opportunities. 
•  Supportive culture and commitment to continuous professional development.