Field Risk & Internal Control Officer (North East) at Moniepoint Inc.

Role Overview

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—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.

Candidate Profile

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.
• Must reside in Bauchi

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.
• Ability to speak Hausa, Igbo or Yoruba