Latest Jobs at Flutterwave

KEY RESPONSIBILITIES

Treasury Systems & Infrastructure

• Lead the global deployment and optimisation of Flutterwave's Treasury Management System (TMS — Kyriba or equivalent), integrating all feasible bank feeds to achieve real-time visibility across every corridor and entity.
• Build and maintain automated FX Blotters and a daily FX Sub-Ledger that delivers a three-way reconciled view (Blotter vs. Bank vs. ERP) to the Finance team by 10:00 AM WAT, every business day.
• Develop a real-time "Cash in Transit" dashboard, creating a clear asset vs. liability bridge for operational planning and liquidity management.
• Drive the treasury function from a manual, spreadsheet-based model to a fully automated, audit-ready architecture — reducing human error, improving close times, and providing the data quality that Finance and Operations require to make fast decisions.

Netting, Internalization & Margin Optimization

• Design and operate a global Netting Engine that matches internal FX flows (NGN, KES, EGP, USD, GBP, and other key pairs), reducing Flutterwave's reliance on external Liquidity Providers (LPs) and capturing "Netting Alpha."
• Drive internalization rates above 80% across the top 10 currency pairs as an initial target, with a stretch goal of 90%+ — directly lowering LP spread costs and improving Group margin.
• Audit and eliminate hidden margin leaks, including third-party partner fees (e.g., Nuvei, Kublox) and cross-corridor subsidies, to ensure that no remittance corridor operates at a negative or unintended margin.
• Develop an "Inventory Skew" pricing engine (Level 3 Pricing) that dynamically adjusts rates based on real-time inventory positions, generating measurable incremental margin from FX asymmetry.
• Optimise the yield on idle corporate cash pools, targeting returns that outperform overnight benchmark rates by a minimum of 50 basis points.

Risk Management & Compliance

• Establish and maintain Flutterwave's Global Liquidity & Settlement Policy, defining formal settlement gap limits, pre-funding thresholds, and NOP controls for every corridor.
• Ensure that the Group's Net Open Position (NOP) remains within Board-approved risk limits on 99%+ of trading days, with automated alerts for any potential breach.
• Develop and maintain robust FX revaluation and mark-to-market processes, targeting zero material audit adjustments on NOP balances and FX sub-ledger positions.
• Support the implementation of interest rate risk and counterparty credit risk frameworks in collaboration with the CFO and Group Risk function.
• Ensure full compliance with relevant regulatory requirements across all jurisdictions in which Flutterwave operates, including reporting obligations related to FX positions and cross-border settlements.

Data Architecture & Reporting

• Serve as the primary provider of treasury data to the Finance team (Moronke) and Operations function (Lucia), ensuring that liquidity forecasts, corridor-level P&L, and NOP reports are accurate, timely, and actionable.
• Achieve a forecast accuracy variance below 15% between Treasury's projected liquidity needs and actual cash usage, with a stretch target below 5%.
• Design and maintain the FX revenue recognition framework, ensuring the Group has an accurate, corridor-level view of FX revenue, spread income, and net margin at all times.
• Build the internal reporting infrastructure that allows the CFO and Executive team to monitor treasury performance without manual intervention — dashboards, exception reports, and scenario modelling tools.

Strategic Leadership & Collaboration

• Partner with the Head of FX Sales & Bank Treasurer to translate front-office deal flow into accurate pricing inputs — providing the "logic layer" that tells the sales lead exactly how aggressively they can price while maintaining target margins.
• Work closely with the Expansion and Product teams to support new corridor launches, banking partnership agreements, and treasury product development.
• Present to the CFO, Board, and Audit Committee on treasury performance, risk exposures, system build-out progress, and margin optimisation outcomes.
• Build and develop a high-performing treasury team, establishing clear roles, processes, and career pathways as the function scales.

QUALIFICATIONS & EXPERIENCE

Required

• Minimum 10 years of experience in institutional treasury, fintech treasury architecture, or a closely related discipline, with clear evidence of systems-building and margin optimisation outcomes.
• Demonstrable experience deploying or operating a Treasury Management System (Kyriba, FIS, or equivalent) in a multi-currency, multi-entity environment.
• Deep technical expertise in FX accounting, automated blotter construction, Net Open Position management, and FX sub-ledger reconciliation.
• A quantitative, data-driven mindset — comfortable working with raw transaction data, building financial models, and deriving unit economics from imperfect datasets.
• Strong understanding of emerging market FX dynamics, remittance corridor economics, and global payment infrastructure.
• Experience in developing and enforcing treasury policy frameworks, including liquidity management, settlement controls, and regulatory compliance.
• Excellent communication skills, with the ability to translate complex treasury data into clear insights for non-treasury audiences including the CFO, Board, and Operations leadership.
• Bachelor's degree in Finance, Mathematics, Economics, or a related field; Master's degree or professional certifications (e.g., CFA, FRM, CTP, ACT) strongly preferred.

Preferred

• Prior experience at a high-growth African fintech or international payments business with significant emerging market FX exposure.
• Familiarity with netting engine architecture, LP management, and dynamic FX pricing models.
• Experience with SQL and data visualisation tools (e.g., Tableau, Power BI, Looker) to supplement TMS-based reporting.
• Understanding of crypto and DeFi workflow platforms as they relate to cross-border treasury management.

go to method of application »

The Role

• Flutterwave is seeking a visionary Product Manager (Risk & Compliance) to bridge the gap between regulatory necessity and seamless user experience. You won't just be checking boxes; you will be the architect of our "Trust Layer." You will design and scale the automated systems from advanced KYC/KYB to real-time transaction monitoring that protect our ecosystem and enable Flutterwave to launch confidently into new global markets.

Key Responsibilities

• Strategic Risk Roadmap: Define and execute a product vision that balances aggressive growth with robust risk mitigation. Transform regulatory requirements into scalable technical features.
• Automated Compliance Infrastructure: Lead the development of automated platforms across  KYC, KYB, AML, and Sanctions screening workflows & processes to reduce merchant onboarding friction without increasing risk exposure.
• Fraud & Transaction Monitoring: Partner with Data Science and Ecosystem risk to refine real-time fraud detection engines and transaction monitoring capabilities.
• Provider Ecosystem Management: Act as the primary lead for 3rd-party risk/compliance API integrations. Continuously evaluate vendor performance (accuracy vs. cost) to ensure we are using the most efficient tools in the market.
• Regulatory Subject Matter Expertise: Act as the bridge between compliance teams and broader Product & Engineering. Translate complex multi-jurisdictional mandates into actionable technical specifications.
• Performance Optimization: Obsess over "False Positive" rates and onboarding drop-offs. Use data to streamline compliance checks, ensuring a "friction less " experience for legitimate users.

Required Competency & Skillset

• The Experience: 7+ years of Product Management experience in FinTech or Payments, specifically focused on Risk, Fraud, or Compliance.
• Technical Literacy: Deep understanding of API-driven architectures. You should be comfortable discussing how webhooks, payloads, and third-party integrations impact system latency.
• Analytical Mindset: Proven ability to use data to identify patterns of fraudulent behavior or systemic compliance gaps.
• Commercial Acumen: Ability to manage "Compliance as a Cost Center" by optimizing provider spend and improving operational efficiency.
• Domain Depth: Expert-level knowledge of KYC/AML frameworks, PCI-DSS, and transaction monitoring logic.
• Proficiency in leveraging ML models for anomaly detection, LLMs for automated regulatory reporting, and Explainable AI (XAI) to ensure data-driven risk engines remain transparent, compliant, and scalable

go to method of application »

The Role: Flutterwave is seeking a highly skilled and motivated individual to join our team as an Associate, Enterprise Risk Management. 

The Associate, Enterprise Risk Management (ERM) will support the implementation and continuous improvement of the organization's enterprise risk management framework. The role is responsible for identifying, assessing, monitoring, and reporting risks across business functions, while partnering with stakeholders to strengthen risk awareness, control effectiveness, and regulatory compliance. The Associate will contribute to risk assessments, issue management, risk reporting, governance activities, and the promotion of a strong risk culture throughout the organization.
 

Responsibilities include but are not limited to:

• Support the execution of enterprise-wide risk assessments and risk profiling exercises.
• Facilitate the identification, evaluation, and documentation of strategic, operational, financial, regulatory, technology, and third-party risks.
• Assist business units in maintaining risk registers and ensuring risks are appropriately assessed and mitigated.
• Monitor emerging risks, industry trends, and regulatory developments that may impact the organization.
• Track key risk indicators (KRIs), risk appetite metrics, and control effectiveness measures.
• Prepare periodic risk reports, dashboards, and management presentations for senior leadership and governance committees.
• Monitor risk treatment plans and escalate overdue or high-risk items as necessary.
• Support the aggregation and analysis of risk data to identify trends and areas requiring management attention.
• Coordinate risk governance activities, including committee meetings, risk reviews, and action tracking.
• Ensure risk documentation is accurate, complete, and maintained in designated systems of record.
• Support issue management activities, including issue identification, risk rating, remediation tracking, validation, and closure.
• Collaborate with business teams to assess root causes and develop effective remediation plans.
• Monitor the status of corrective actions and provide updates to management.
• Support third-party risk assessments and ongoing vendor risk monitoring activities.
• Participate in risk reviews for new products, projects, initiatives, and strategic changes.
• Promote risk awareness and a strong risk culture across the organization.
• Support the development and delivery of risk training and awareness programs.
   

Required competency and skillset to be a waver:

• Bachelor's degree in Finance, Business, Risk Management or a related field.
• 2-4 years of experience in risk management project management, or a related field within the fintech or financial services industry
• Good understanding of risk management principles, methodologies, and frameworks, with a proven track record of developing and implementing effective risk management strategies and processes.
• Analytical mindset with the ability to think critically, identify patterns, and draw meaningful insights from complex data sets to support decision-making and risk assessment.
• Proficiency in risk management tools and technologies, including risk analytics software, data visualization tools, and project management platforms.
• Relevant certifications (e.g., FRM, PMP) preferred.
• Knowledge of regulatory requirements and compliance in the financial industry
• Ability to thrive in a fast-paced, dynamic environment and effectively manage competing priorities while maintaining a high level of accuracy and attention to detail.

go to method of application »

The Role: 

• Flutterwave is seeking an experienced and dynamic senior professional to join our fraud risk team. The leader  will play a critical role in managing and mitigating financial losses and payment partner compliance due to fraud risk in our merchant acquiring and remittance business . This individual will be part of  a team responsible for developing and implementing risk management strategies, policies, and procedures to protect the company's interests while ensuring a positive experience for our customers.

Responsibilities include but are not limited to:

• Develop and execute comprehensive risk management strategies to identify, assess, and mitigate fraud -related risks.
• Foster a culture of continuous improvement, innovation, and collaboration within the team.
• Implement data-driven risk assessment models and analytical tools to proactively identify emerging risks and trends.
• Establish and enhance policies and procedures governing fraud  risk management.
• Collaborate with cross-functional teams, including product, legal, compliance, and technology, to develop and enhance risk mitigation solutions and processes.
• Conduct regular reviews and audits of accounts, transactions, and activities to ensure adherence to risk management protocols.
• Stay abreast of industry trends, regulatory developments, and best practices in fraud  risk management to inform strategic decision-making and enhance risk mitigation efforts.
• Provide timely and accurate reporting on key risk metrics, trends, and incidents to senior management and relevant stakeholders.
• Drive continuous improvement initiatives to optimize risk management processes, enhance operational efficiency, and support business growth objectives.
• Foster a culture of risk awareness, accountability, and compliance throughout the organization through training, communication, and collaboration.

Required competency and skillset to be a waver:

• Bachelor's degree in business, finance, risk management, or related field; advanced degree or relevant professional certifications (e.g., FRM, CRM, CFA) preferred.
• Proven 5+ years’ experience in risk management, preferably in a fintech or financial services environment, with a focus on fraud prevention.
• Proven track record of leadership and team management, with the ability to inspire and motivate a diverse team of professionals.
• Strong analytical skills and proficiency in data analysis, risk modeling, and statistical techniques.
• Deep understanding of financial products, payment processing, and regulatory and scheme requirements related to fraud  risk management.
• Excellent communication skills, with the ability to effectively communicate complex concepts and findings to diverse audiences.
• Strategic thinker with the ability to develop and execute risk management strategies aligned with business objectives.
• Demonstrated ability to thrive in a fast-paced, dynamic environment and effectively manage competing priorities.
• High level of integrity, ethics, and professionalism, with a commitment to upholding the highest standards of risk management and compliance.