Jobs at Moniepoint Inc.

About this role

• The Credit Application Review Officer is responsible for validating customer information and supporting credit decision-making by conducting accurate and timely verification of loan applicants. 
• The role ensures that all loan applications meet internal risk standards, fraud prevention controls, and regulatory requirements before approval or disbursement.

Responsibilities

• Application Verification: Verify customer information submitted during the loan application process.
• Authentication Checks: Conduct phone-based and system-based verification checks to confirm the authenticity and accuracy of applicant information.
• Fraud & Risk Mitigation: Identify discrepancies, red flags, and potential fraud indicators and escalate suspicious cases in line with internal risk and fraud policies.
• Documentation: Document verification outcomes clearly and accurately.
• SLA Compliance: Adhere strictly to verification SLAs to ensure timely loan processing and customer turnaround time.
• Regulatory & Policy Alignment: Ensure all verification activities comply with internal policies, data privacy standards, and applicable regulatory requirements.
• Process Improvement: Contribute to the continuous improvement of verification processes by providing feedback on recurring issues or gaps identified during verification.
• Cross-functional Teamwork: Collaborate with cross-functional teams to improve verification frameworks.

What success looks like in this role

• Accuracy and Integrity: High-quality verification outputs with minimal errors, ensuring no fraudulent applications bypass internal controls.
• SLA Efficiency: Consistent adherence to processing turnaround times, minimizing bottlenecks in the loan disbursement pipeline.
• Proactive Risk Escalation: Timely and precise identification of discrepancies and fraud indicators to safeguard the business against credit risk.
• Collaborative Optimisation: Active and valuable contributions toward refining internal verification frameworks and workflows.

Experience & Background

• 1–3 years’ experience in loan verification, credit operations, customer verification, or a similar role within a fintech, bank, or financial services organisation.
• Experience with digital lending platforms or consumer loan products is an added advantage.

Skills & Competencies:

• Strong analytical skills.
• High level of integrity, confidentiality, and professionalism.
• Strong understanding of document review and internal controls.
• High attention to detail and risk awareness.
• High ethical standards with commitment to candour, integrity, and accountability.
• Ability to identify root causes of service issues and recommend effective solutions.
• Willingness to work shifts, weekends, or holidays if required.

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Job Overview

• The KYC Due Diligence Officer is responsible for ensuring that all customer onboarding and periodic reviews comply with regulatory requirements, internal policies, and international AML/CFT/CPF standards. 
• The role involves performing detailed due diligence checks on individuals and businesses, assessing risk profiles, and escalating high-risk cases for Enhanced Due Diligence (EDD).
• As part of the first line of defense against financial crime, the officer validates customer identity, verifies documentation, and ensures compliance with Know Your Customer (KYC), Customer Due Diligence (CDD), and EDD obligations. The role also provides advisory support to internal stakeholders, helping the business balance customer enablement with regulatory compliance.

Key Responsibilities

• Perform KYC checks for new and existing customers, ensuring compliance with regulatory and internal requirements.
• Conduct due diligence reviews using internal systems, public databases, and third-party screening tools (e.g., PEP, sanctions, adverse media).
• Assess customer risk based on the nature of business, ownership structure, transaction behavior, and geographical exposure.
• Escalate high-risk and complex cases for Enhanced Due Diligence (EDD) in line with AML/CFT policy.
• Maintain accurate and up-to-date documentation of customer records for regulatory inspections and audits.
• Work closely with Onboarding, Compliance, and Business Relationship Managers to identify and close KYC gaps.
• Track and monitor deferrals, ensuring timely collection of outstanding documents in line with compliance timelines.
• Contribute to policy reviews, process improvements, and system upgrades to strengthen KYC operations.
• Key Skills & Competencies:
• Strong knowledge of AML/CFT/CPF regulations, including CBN guidelines, NFIU/EFCC directives, and FATF standards.
• Practical experience with sanctions, PEP, and adverse media screening tools.
• Analytical skills with ability to interpret complex ownership structures and beneficial ownership risks.
• High attention to detail and accuracy in reviewing customer data and documents.
• Strong communication and stakeholder management skills (internal teams, regulators, auditors).
• Ability to balance regulatory compliance with business enablement.
• Strong organizational and record-keeping skills.
• Integrity and confidentiality in handling sensitive customer information.

Education & Experience

• Bachelor’s Degree in Finance, Business Administration, Law, or related field.
• Certification in AML/KYC (e.g.,DCP, CAMS, ICA, or equivalent) is highly desirable.
• 2–3 years of experience in compliance, audit, KYC, or financial crime prevention (preferably in a financial institution).
• Familiarity with Nigerian regulatory compliance frameworks and global AML/CFT/CPF best practices is an advantage.

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About this role

• The Outbound Research Specialist provides essential operational and logistical support to the Customer Research function, with a focus on reaching customer segments that are not accessible through digital or in-app channels. 
• The role conducts structured outbound research calls, recruits research participants, supports field-based data collection, and assists with direct customer engagement activities.
• This role is foundational for individuals building a career in customer research, offering hands-on experience in research coordination, data collection, and participant management under the guidance of experienced team members. 
• At Moniepoint, the experiences of the customers who use our POS devices, transact in markets, or are served by agents in areas with limited connectivity matter as much as any in-app user's—this role exists to make sure their voice is heard.

Responsibilities

Outbound Research Calls:

• Conduct structured outbound research calls to customers from an assigned daily queue, following approved scripts and protocols
• Administer customer satisfaction and experience surveys over the phone, capturing both quantitative scores and qualitative verbatim responses
• Log every call outcome accurately and completely — call disposition, survey responses, and observation notes — before proceeding to the next record
• Adhere to all consent, data handling, and opt-out requirements for every call, without exception,

Participant Recruitment & Panel Support:

• Identify and recruit customers for qualitative research interviews based on criteria provided by CX Researchers and Team Leads
• Screen potential participants against research criteria before confirming their participation
• Introduce the Moniepoint research community to interested customers, following approved consent processes to onboard new participants
• Support the Research Operations Coordinator in maintaining participant records and tracking recruitment pipelines,

 Ad Hoc Data Collection:

• Conduct short structured phone surveys and screener interviews as directed by the Research Operations Coordinator or CX Research Team Leads
• Log all responses faithfully — never paraphrasing in a way that alters the meaning of what a customer said
• Assist with preliminary data organization and tagging under the guidance of more senior team members.

Field Observation & Support Centre Visits:

• Visit customer support centres and field locations at least monthly to observe real customer interactions and speak directly with customers
• Log qualitative findings from field visits in the relevant research repository within 48 hours, tagged to the appropriate product area
• Report patterns from support centre and field visits to the relevant CX Researcher promptly.

Learning & Development:

• Actively learn and apply fundamental research methodologies, tools, and best practices
• Demonstrate increasing independence in managing routine research support tasks over time
• Participate in team knowledge sharing and contribute to a strong research culture

Experience & Background

• Education: Bachelor's Degree in any field, preferably with completed coursework in Research methods, Social Sciences, Business, or Marketing.  
• Customer-Facing Experience: 1–3 years of experience in a customer-facing environment such as outbound calling, customer service, field sales, or similar roles.  
• Proficiency in at least one major Nigerian language (Yoruba, Igbo, or Hausa) is strongly preferred
• Domain Advantage: Prior experience specifically within customer support is considered a distinct advantage.  
• Autonomy: Demonstrated ability to work with minimal supervision on routine tasks.  
• Preferred Experience: Prior experience in a research-related role, research internship, or a support capacity within a technology or financial services company.  
• Systems Familiarity: Experience utilizing a phone-based CRM or contact center platform is preferred.

Skills & Competencies:

• Communication: Clear, professional verbal communication skills in English.  
• Interaction: Comfortable initiating conversations with completely new contacts and keeping them effectively focused.  
• Languages: Proficiency in at least one major Nigerian language (Yoruba, Igbo, or Hausa) is strongly preferred.  
• Data Discipline: Accurate, disciplined data capture habits—focusing entirely on logging what customers actually say, not what is expected.  
• Organization: Strong organizational skills and sharp attention to detail.  
• Empathy: A high level of empathy paired with a genuine interest in deeply understanding people.  
• Software Tools: Proficiency in standard office software platforms (Google Workspace or Microsoft Office).  
• Research Principles: A basic understanding of qualitative and quantitative research principles.  
• Platform Literacy: Familiarity with standard survey platforms or project management tools.