Field Risk & Internal Control Officer at Moniepoint Inc.

We are seeking a diligent and ethically grounded professional to serve as a key link between our risk oversight framework and field operations. This role is responsible for proactively identifying and investigating cases of misconduct—particularly double-dealing—among Business Relationship Managers (BRMs), reviewing their performance data, and ensuring alignment with internal control standards.

This is a hands-on role that requires a strong presence in the field, critical thinking, and the ability to distill field observations into actionable risk insights.

Key Responsibilities

Investigations & Field Monitoring

• Lead targeted investigations into suspected misconduct including double-dealing, agent impersonation, unauthorized onboarding, and unethical field behavior.
• Conduct unannounced field inspections and validation exercises to verify BRM claims, agent status, and compliance with policies.
• Interview field stakeholders (agents, merchants, supervisors) to gather intelligence and document findings in a structured, objective format.

Risk-Based Data Review

• Analyze BRM activity reports and operational metrics to detect irregularities, risk exposures, or behavioral red flags.
• Correlate field data with internal dashboards and reporting systems to ensure integrity, accuracy, and completeness.
• Flag suspicious trends for escalation and further review by Risk, Compliance, or Internal Audit teams.

Internal Control Testing

• Assess the effectiveness of controls guiding BRM activities and agent lifecycle processes (recruitment, management, offboarding).
• Recommend enhancements to close control gaps, prevent repeat incidents, and support sustainable field governance.
• Collaborate with process owners to roll out improved monitoring tools and corrective measures.

Reporting & Escalation

• Prepare concise, evidence-backed investigation reports, highlighting the root cause, impact, and recommended action steps.
• Maintain secure logs of field engagements, complaint resolutions, and closed investigations.
• Contribute to quarterly risk dashboards and field control assessments for management and board reporting.

Stakeholder Liaison

• Serve as the first line contact for risk-related concerns from regional leads, area managers, and frontline employees.
• Build trust with BRMs while maintaining professional distance to ensure objectivity and ethical independence.
• Provide risk insights to performance, disciplinary, or compliance processes where applicable.

Qualifications

• Bachelor’s degree in Risk Management, Internal Control, Business Administration, Finance, Criminology, or a related field.
• Minimum 3 years of experience in internal control, field audit, risk monitoring, or investigative roles within financial services, fintech, or agent networks.

Skills and Attributes

• Strong investigative mindset with excellent analytical and problem-solving skills.
• High integrity, discretion, and professionalism in managing sensitive information.
• Field experience and comfort working with informal environments and diverse stakeholders.
• Proficiency in Excel and/or basic analytics tools (Power BI, Tableau, or similar platforms is a plus).
• Excellent report writing and verbal communication skills.

Preferred Experience

• Prior exposure to agent banking, POS distribution networks, or BRM performance frameworks.
• Experience managing whistleblowing complaints or conducting workplace misconduct investigations.
• Familiarity with regulatory requirements around internal control, risk management, and field operations.