Jobs at Pishon and Brooks Advisory Services

Reporting To: Head, Business & Support Control

Job Purpose

• The Settlement & Financial Institutions Control Officer is responsible for providing independent control oversight and assurance across settlement operations, dispute management, financial institutions operations, and related transaction processing activities.
• The role ensures the accuracy, integrity, compliance, and timeliness of transaction processing, settlement reporting, dispute resolution, and onboarding activities across banking and non-banking financial institution services, while mitigating operational, financial, and regulatory risks.

Key Responsibilities

• Monitor and review settlement, reconciliation, and transaction processing activities across local and international payment channels.
• Provide control oversight for dispute and chargeback management processes across card schemes and payment platforms.
• Review and validate transaction files, settlement reports, and operational extracts to ensure completeness and accuracy.
• Monitor settlement exceptions, unresolved items, and financial exposures, ensuring timely escalation and resolution.
• Ensure compliance with internal controls, regulatory requirements, scheme rules, and operational procedures.
• Review onboarding and operational processes for financial institutions and other regulated entities to ensure proper authorization and documentation.
• Conduct control reviews across transaction processing, switching, transfer, PTSA, and related fintech operations.
• Assess operational workflows and recommend process improvements to strengthen controls and operational efficiency.
• Collaborate with Operations, Technology, Product, and Business teams to ensure secure and compliant service delivery.
• Support audit, regulatory review, and compliance reporting activities.
• Prepare periodic control, governance, and exception reports for management review.

Requirements

• Education: Bachelor’s Degree in Finance, Business Administration, or related field.
• Professional certification required/optional: ACA, ACCA, or equivalent.
• Others: Master’s Degree, CISA, CPA, CIA, or equivalent would be an added advantage.
• Experience: Minimum of 4 years of internal control, audit, settlement operations, dispute management, or financial operations. compliance. Experience in the fintech, financial services, or banking sector is strongly preferred. Working knowledge of Nigerian corporate governance codes and CBN regulations.

Skills Necessary for Job Function:

• Settlement and reconciliation processes
• Dispute and chargeback management
• Internal control and risk management
• Financial operations and transaction monitoring
• Regulatory compliance and governance
• Data analysis and reporting tools (e.g., Power BI, SQL, ACL, IDEA)
• Strong analytical and problem-solving skills
• High attention to detail and accuracy
• Effective communication and stakeholder management
• Strong integrity and professionalism
• Ability to work under pressure in a fast-paced environment.

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Reporting To: Head, Business & Support Control

Job Purpose

• The Settlement/Dispute, Financial Institutions and Other Financial Institutions Control Officer is responsible for providing independent oversight and assurance over the end-to-end processing of approved transactions on the TWO (Switch) platform and Scheme Dispute Management (Chargeback).
• This includes ensuring that transaction files and extracts are accurately and promptly generated and transmitted to all relevant stakeholders—namely the card schemes (Visa, Mastercard, UnionPay, and AMEX), UP Settlement, and MPGS Service—through approved and secure channels.
• The role aims to safeguard the integrity and completeness of transaction processing by mitigating risks such as incomplete or inaccurate presentment, delayed submissions, incorrect receivables, financial losses (including out-of-pocket exposures), missed revenue opportunities, increased funding costs, and regulatory or scheme penalties.
• Review the efficiency and effectiveness of managing relationships and solution delivery for non bank financial institutions, including microfinance banks, mortgage banks, finance houses, fintechs, cooperative societies, and similar entities vis-à-vis Marketing and sales of UP’s transaction processing, Transfers (Inbound and Outbound), PTSA and Switching Services to other (non-Banks) financial institutions and to ensure financial targets are met.
• The Internal Control Officer (ICO) is responsible for control oversight and providing assurance of effective functioning of the UP’s internal control systems in the following strategic resource functions: Settlement/Dispute (Merchant Settlement, Dispute Management & ATM Settlement, Clearing & Settlement Operations), Financial Institutions and Other Financial Institutions (Business Support).

Key Responsibilities

• Ensure accurate and timely processing, reconciliation, and hosting of transaction files (including T464, MPGS, and settlement files) for local, international, ATM, and POS transactions.
• Monitor transaction data sources and oversee the extraction, clearing, and settlement of approved financial transactions across all platforms.
• Maintain the integrity of transaction records by ensuring all settled transactions are correctly updated in the Dispute Management System (DMS) and Inquiry Portal.
• Provide control oversight and operational support to clients, banks, non-banks, and merchants, while performing additional assigned duties as required.
• Conduct daily quality assurance by reviewing, downloading, processing, and hosting scheme (Visa, Mastercard, UnionPay, AMEX) and client files (Base11, VSS) to ensure accurate, complete, and timely submission within defined windows.
• Manage exceptions and chargebacks by reprocessing rejected transactions, performing daily chargeback reconciliation, and ensuring timely settlement to prevent exposure and late presentment risks.
• Ensure timely and accurate settlement processing and reporting in line with defined service-level timelines, including prompt delivery of reports to Accounts, NIBSS, and banks for automated, merchant, VAS, agency, and manual transactions.
• Maintain control over settlement integrity by reviewing hourly reports for accuracy and promptly escalating invalid NUBAN entries or NIBSS returns to the Business team within required timelines.
• Ensure timely reprocessing and representment of merchant settlements arising from invalid NUBAN details or NIBSS returns, while reconciling affiliate settlements, preparing reports
  (including dollar merchant and TSA figures), and distributing them to relevant stakeholders
  within defined timelines.
• Maintain compliance and reporting accuracy by submitting required scheme reports
  (QOC to Visa, QMR to Mastercard, and AMEX monthly reports) within stipulated deadlines
  and ensuring timely delivery of collection reports for onward processing.
• Ensure timely and accurate ATM settlement processing, including delivery of settlement reports to NIBSS, banks, and affiliates, as well as preparation of monthly billing, revenue, and receivable reports.
• Provide oversight on dispute management and resolution across schemes (Visa, Mastercard, AMEX, Verve), including funds recovery, reporting (Dispute and Risk Chargeback Reports), and continuous team knowledge development.
• Provide oversight of end-to-end dispute management across schemes (Visa, Mastercard,
  etc.), including resolution of issuer and acquirer disputes, execution of representment, pre
  arbitration, arbitration, compliance processes, and monitoring of dispute stages to prevent
  financial loss.
• Ensure accurate financial control by reconciling chargeback impacts, processing fee
  collections and fund disbursements, managing scheme chargebacks, delivering timely
  dispute/chargeback reports to banks, and addressing customer complaints and
  settlement issues.
• Monitor, review, and process AMEX scheme chargebacks by forwarding them to banks and merchants, including executing second presentment for approved transactions where applicable.
• Monitor and enforce compliance with regulatory standards, policies, and internal controls across all services (transaction processing, transfers, PTSA and Switching), ensuring accurate documentation (SOPs, SLAs, product papers) and periodic reviews of product frameworks to align with business and regulatory requirements regarding Other Financial Institutions group.
• Provide independent oversight through review of financial and operational reports, assessment of project implementation processes, and evaluation of client-related activities to ensure controls support sustainable growth and risk mitigation.
• The Internal Control Officer ensures that all end-to-end onboarding processes for clients managed by the Financial Institutions Directorate (FID) team, including Issuer Processing, Card Order, Fulfilment and Personalization, Acquirer Processing (PoS, Web & ATM), MasterCard Payment Gateway Services, Agency Transaction Processing, Merchant Services, and Unified Payments Interbank Transfer (Inbound & Outbound), are properly authorized, documented, compliant, and securely implemented.
• Evaluate existing workflows, systems, and processes to identify bottlenecks and implement control-driven improvements.
• Collaborate with technology, product, and operations teams to ensure fintech processes are efficient, scalable, and secure.
• Design and monitor control systems that prevent and detect fraud, unauthorized transactions, and policy breaches.
• Ensure the organization’s operations comply with all relevant regulatory frameworks, including CBN guidelines, NDPR (Nigeria Data Protection Regulation), AML/CFT regulations, tax obligations and others.
• Providing control counseling, advisory and decision support services.
• Ensuring prompt rendition of control reports/returns including reports of unusual incidents to Head, Business & Support.
• Review new policies and products for control adequacy before implementation.
• Maintain an efficient working relationship with the assigned Departments to proactively resolve overdue open items
• Serve as a strategic advisor to executive management on business & support control matters, supporting informed decision-making and business sustainability.

Requirements

• Education: Bachelor’s Degree in Finance, Business Administration, or related field.
• Professional certification required/optional: ACA, ACCA, or equivalent.
• Others: Master’s degree, CISA, CPA, CIA, or equivalent would be an added advantage.
• Experience: Minimum of 6 years of relevant assurance experience (audit or internal control), with at least 1 year in assurance leadership or strategic role in financial reporting, governance, risk, or compliance.
• Experience in the fintech, financial services, or banking sector is strongly preferred. Strong familiarity with Nigerian corporate governance codes and CBN regulations.

Skills Necessary for Job Function:

• In-depth understanding of corporate governance principles, legal and regulatory requirements.
• People Management & Development skills and Adequate attention to detail.
• Strong leadership, communication, and stakeholder management skills.
• Analytical mindset with excellent problem-solving abilities
• Ability to balance compliance with business needs in a fast-paced fintech environment.
• High level of integrity, discretion, and professionalism.
• Proficiency in data analytics and audit technologies, including demonstrated use of ACL, IDEA, Power BI, and SQL.

go to method of application »

Reporting To: Head, Business & Support Control

Job Purpose

• The Settlement/Dispute, Financial Institutions and Other Financial Institutions Control Officer is responsible for providing independent oversight and assurance over the end-to-end processing of approved transactions on the TWO (Switch) platform and Scheme Dispute Management (Chargeback).
• This includes ensuring that transaction files and extracts are accurately and promptly generated and transmitted to all relevant stakeholders—namely the card schemes (Visa, Mastercard, UnionPay, and AMEX), UP Settlement, and MPGS Service—through approved and secure channels.
• The role aims to safeguard the integrity and completeness of transaction processing by mitigating risks such as incomplete or inaccurate presentment, delayed submissions, incorrect receivables, financial losses (including out-of-pocket exposures), missed revenue opportunities, increased funding costs, and regulatory or scheme penalties.
• Review the efficiency and effectiveness of managing relationships and solution delivery for non bank financial institutions, including microfinance banks, mortgage banks, finance houses, fintechs, cooperative societies, and similar entities vis-à-vis Marketing and sales of UP’s transaction processing, Transfers (Inbound and Outbound), PTSA and Switching Services to other (non-Banks) financial institutions and to ensure financial targets are met.
• The Internal Control Officer (ICO) is responsible for control oversight and providing assurance of effective functioning of the UP’s internal control systems in the following strategic resource functions: Settlement/Dispute (Merchant Settlement, Dispute Management & ATM Settlement, Clearing & Settlement Operations), Financial Institutions and Other Financial Institutions (Business Support).

Key Responsibilities

• Ensure accurate and timely processing, reconciliation, and hosting of transaction files (including T464, MPGS, and settlement files) for local, international, ATM, and POS transactions.
• Monitor transaction data sources and oversee the extraction, clearing, and settlement of approved financial transactions across all platforms.
• Maintain the integrity of transaction records by ensuring all settled transactions are correctly updated in the Dispute Management System (DMS) and Inquiry Portal.
• Provide control oversight and operational support to clients, banks, non-banks, and merchants, while performing additional assigned duties as required.
• Conduct daily quality assurance by reviewing, downloading, processing, and hosting scheme (Visa, Mastercard, UnionPay, AMEX) and client files (Base11, VSS) to ensure accurate, complete, and timely submission within defined windows.
• Manage exceptions and chargebacks by reprocessing rejected transactions, performing daily chargeback reconciliation, and ensuring timely settlement to prevent exposure and late presentment risks.
• Ensure timely and accurate settlement processing and reporting in line with defined service-level timelines, including prompt delivery of reports to Accounts, NIBSS, and banks for automated, merchant, VAS, agency, and manual transactions.
• Maintain control over settlement integrity by reviewing hourly reports for accuracy and promptly escalating invalid NUBAN entries or NIBSS returns to the Business team within required timelines.
• Ensure timely reprocessing and representment of merchant settlements arising from invalid NUBAN details or NIBSS returns, while reconciling affiliate settlements, preparing reports
  (including dollar merchant and TSA figures), and distributing them to relevant stakeholders
  within defined timelines.
• Maintain compliance and reporting accuracy by submitting required scheme reports
  (QOC to Visa, QMR to Mastercard, and AMEX monthly reports) within stipulated deadlines
  and ensuring timely delivery of collection reports for onward processing.
• Ensure timely and accurate ATM settlement processing, including delivery of settlement reports to NIBSS, banks, and affiliates, as well as preparation of monthly billing, revenue, and receivable reports.
• Provide oversight on dispute management and resolution across schemes (Visa, Mastercard, AMEX, Verve), including funds recovery, reporting (Dispute and Risk Chargeback Reports), and continuous team knowledge development.
• Provide oversight of end-to-end dispute management across schemes (Visa, Mastercard,
  etc.), including resolution of issuer and acquirer disputes, execution of representment, pre
  arbitration, arbitration, compliance processes, and monitoring of dispute stages to prevent
  financial loss.
• Ensure accurate financial control by reconciling chargeback impacts, processing fee
  collections and fund disbursements, managing scheme chargebacks, delivering timely
  dispute/chargeback reports to banks, and addressing customer complaints and
  settlement issues.
• Monitor, review, and process AMEX scheme chargebacks by forwarding them to banks and merchants, including executing second presentment for approved transactions where applicable.
• Monitor and enforce compliance with regulatory standards, policies, and internal controls across all services (transaction processing, transfers, PTSA and Switching), ensuring accurate documentation (SOPs, SLAs, product papers) and periodic reviews of product frameworks to align with business and regulatory requirements regarding Other Financial Institutions group.
• Provide independent oversight through review of financial and operational reports, assessment of project implementation processes, and evaluation of client-related activities to ensure controls support sustainable growth and risk mitigation.
• The Internal Control Officer ensures that all end-to-end onboarding processes for clients managed by the Financial Institutions Directorate (FID) team, including Issuer Processing, Card Order, Fulfilment and Personalization, Acquirer Processing (PoS, Web & ATM), MasterCard Payment Gateway Services, Agency Transaction Processing, Merchant Services, and Unified Payments Interbank Transfer (Inbound & Outbound), are properly authorized, documented, compliant, and securely implemented.
• Evaluate existing workflows, systems, and processes to identify bottlenecks and implement control-driven improvements.
• Collaborate with technology, product, and operations teams to ensure fintech processes are efficient, scalable, and secure.
• Design and monitor control systems that prevent and detect fraud, unauthorized transactions, and policy breaches.
• Ensure the organization’s operations comply with all relevant regulatory frameworks, including CBN guidelines, NDPR (Nigeria Data Protection Regulation), AML/CFT regulations, tax obligations and others.
• Providing control counseling, advisory and decision support services.
• Ensuring prompt rendition of control reports/returns including reports of unusual incidents to Head, Business & Support.
• Review new policies and products for control adequacy before implementation.
• Maintain an efficient working relationship with the assigned Departments to proactively resolve overdue open items
• Serve as a strategic advisor to executive management on business & support control matters, supporting informed decision-making and business sustainability.

Requirements

• Education: Bachelor’s Degree in Finance, Business Administration, or related field.
• Professional certification required/optional: ACA, ACCA, or equivalent.
• Others: Master’s degree, CISA, CPA, CIA, or equivalent would be an added advantage.
• Experience: Minimum of 6 years of relevant assurance experience (audit or internal control), with at least 1 year in assurance leadership or strategic role in financial reporting, governance, risk, or compliance.
• Experience in the fintech, financial services, or banking sector is strongly preferred. Strong familiarity with Nigerian corporate governance codes and CBN regulations.

Skills Necessary for Job Function:

• In-depth understanding of corporate governance principles, legal and regulatory requirements.
• People Management & Development skills and Adequate attention to detail.
• Strong leadership, communication, and stakeholder management skills.
• Analytical mindset with excellent problem-solving abilities
• Ability to balance compliance with business needs in a fast-paced fintech environment.
• High level of integrity, discretion, and professionalism.
• Proficiency in data analytics and audit technologies, including demonstrated use of ACL, IDEA, Power BI, and SQL.

go to method of application »

Reporting To: Head, Business & Support Control

Job Purpose

• The Revenue & Analysis and Corporate Services Control Officer is responsible for providing objective oversight and assurance that all revenue-related processes, systems, and controls across the organization are efficient, accurate, and compliant with internal policies and regulatory standards.
• The role focuses on identifying revenue leakages, assessing the adequacy of revenue controls, and recommending improvements to strengthen financial integrity and operational efficiency.
• The incumbent will lead revenue-focused control engagements and collaborate closely with Finance and Accounts, Operations, IT teams and other stakeholders to ensure transparent and reliable revenue reporting.
• The Revenue & Analysis and Corporate Services Control Officer provide oversight and reviews across Human Resources, People & Culture, and Learning & Development to ensure staff processes, policies, and training activities are well-controlled, transparent, and compliant with established standards. It also assesses controls within Marketing, Corporate Communications, Digital & Media, Brand Strategy, Procurement, Sundry Services, and Facility Management to ensure operational efficiency, proper resource utilization, adherence to policies, and mitigation of operational and reputational risks.
• The Revenue & Analysis and Corporate Services Control Officer is responsible for control oversight and providing assurance of effective functioning of the UP’s internal control systems in the following strategic resource functions: Revenue & Analysis and Corporate Services.

Key Responsibilities

• Ensuring daily monitoring and reconciliation of scheme receivables, co-acquirer balances, and merchant settlement obligations to ensure completeness, accuracy, and timely settlement across both local and international payment schemes (Visa, Mastercard, Amex, CUP and Payattitude).
• The Revenue & Analysis and Corporate Services Control Officer also validate settlement account postings, tracks receivables inflows, and supports revenue assurance activities by ensuring accurate recovery of income due from settlement agents and other stakeholders.
• The Revenue & Analysis and Corporate Services Control Officer reviews and validates revenue streams by assessing merchant service charges, re-computing transaction-based income, and ensuring accurate invoices, receivable collection, and compliance with settlement arrangements.
• Ensuring the integrity of financial reporting through regular GL reviews, accurate recognition and accounting of receivables and revenues (including schemes, projects, and social investments), timely reporting to stakeholders, and effective monitoring of recoveries, disputes, and revenue assurance activities.
• The Revenue & Analysis and Corporate Services Control Officer ensure accurate accounting and reporting of all revenue, receivables, payables, and liabilities in the General Ledger, including income from card schemes, agency banking (bank and non-bank – (Teamapt, Paycom, Ikonik Village, ITEX, Crowd Force etc), merchant activities, and digital payment platforms.
• Verify the accuracy and completeness of receivables vis-à-vis collections, Scheme Receivables – Amount due to UP as licensed Acquirer for both domestic and international transactions (Visa, MasterCard, Amex, CUP, Payattitude, and others).
• The role also oversees GL reviews and reconciliations, ensures timely error detection and correction, and provides management with reliable financial information to support effective decision-making and planning.
• The Team Lead provides structured oversight and independent review across Human Resources, People & Culture, and Learning & Development by evaluating the design and effectiveness of policies, procedures, and controls governing recruitment, onboarding, performance management, payroll administration, and staff training. It ensures compliance with regulatory requirements and internal policies, promotes transparency, mitigates risks related to employee practices, and validates that training initiatives are aligned with organizational objectives and properly documented.
• Additionally, the function performs control reviews across Marketing, Corporate Communications, Digital & Media, and Brand Strategy to ensure that campaigns, media spend, brand initiatives, and communications activities are properly authorized, accurately reported, and aligned with approved budgets and strategic goals. It verifies compliance with internal guidelines and external regulations, safeguards brand reputation, and ensures appropriate monitoring of third-party agencies and vendors.
• Within Procurement, Sundry Services, and Facility Management, Internal Control assesses the adequacy and effectiveness of procurement processes, vendor selection, contract management, and service delivery. It ensures that expenditures are justified, competitive bidding processes are followed, contracts are properly executed, and resources are efficiently utilized. The function also reviews asset management, maintenance activities, and support services to confirm adherence to policies, cost optimization, and mitigation of operational, financial, and reputational risks.
• Evaluate existing workflows, systems, and processes to identify bottlenecks and implement control-driven improvements.
• Collaborate with technology, product, and operations teams to ensure fintech processes are efficient, scalable, and secure.
• Design and monitor control systems that prevent and detect fraud, unauthorized transactions, and policy breaches.
• Ensure the organization’s operations comply with all relevant regulatory frameworks, including CBN guidelines, NDPR (Nigeria Data Protection Regulation), AML/CFT regulations, tax obligations and others.
• Providing control counseling, advisory and decision support services.
• Ensuring prompt rendition of control reports/returns including reports of unusual incidents to Head, Business & Support
• Review new policies and products for control adequacy before implementation.
• Maintain an efficient working relationship with the assigned Departments to proactively resolve overdue open items.
• Serve as a strategic advisor to executive management on business & support control matters, supporting informed decision-making and business sustainability.

Requirements

• Education: Bachelor’s Degree in Finance, Business Administration, or related field.
• Professional certification required/optional: ACA, ACCA, or equivalent.
• Others: Master’s degree, CISA, CPA, CIA, or equivalent would be an added advantage.
• Experience: Minimum of 6 years and above of relevant assurance experience (audit or internal control), with at least 3 years in assurance leadership or strategic role in financial reporting, governance, risk, or compliance. Experience in the fintech, financial services, or banking sector is strongly preferred. Strong familiarity with Nigerian corporate governance codes and CBN regulations.

Skills Necessary for Job Function:

• In-depth understanding of corporate governance principles, legal and regulatory requirements.
• People Management & Development skills and Adequate attention to detail.
• Strong leadership, communication, and stakeholder management skills.
• Analytical mindset with excellent problem-solving abilities.
• Ability to balance compliance with business needs in a fast-paced fintech environment.
• High level of integrity, discretion, and professionalism.
• Proficiency in data analytics and audit technologies, including demonstrated use of ACL, IDEA, Power BI, and SQL.