Risk & Compliance Officer (Banking/Fintech)

Job Title: Risk & Compliance Officer (Banking/Fintech)Location: LagosSalary: ₦800,000 – ₦1,000,000 MonthlyIndustry: Digital Financial Services / Lending / FintechAbout the RoleWe are seeking a Risk & Compliance Officer to ensure the organization’s operations, financial activities, and technology systems operate within a robust control framework. The ideal candidate will bring extensive experience in banking or fintech, with expertise in internal controls, compliance monitoring, risk management, fraud detection, and operational audit.Key ResponsibilitiesInternal Control & ComplianceConduct periodic internal control reviews and assessments across business units, branches, and head-office departments.Ensure adherence to company policies, procedures, and regulatory requirements (CBN, AML/CFT, KYC, etc.).Monitor operational activities including treasury, HR, finance, trade services, account management, and customer service units.Review GL accounts, reconciliations, KYC/CDD documentation, and operational workflows.Prepare comprehensive reports highlighting control effectiveness, gaps, and actionable recommendations.Risk Management & AuditSupport annual planning and execution of internal control and risk assessment programs.Perform business impact analysis and monitor key risk indicators across departments.Evaluate process weaknesses and support remediation, policy development, and process improvement initiatives.Participate in internal audits and special investigations as required.Operational OversightMonitor daily branch and head-office activities, including funds transfer, settlements, cash management, and electronic channel operations.Conduct reviews of teller and vault operations, GL proofs, mandate documentation, cheque management, and transaction monitoring.Provide guidance on compliance and regulatory expectations to branch and departmental staff.Fraud Detection & IT ControlsMonitor and investigate potential fraud using tools such as NIBSS/HAWK.Conduct preliminary investigations and recommend preventive measures.Support IT General Controls review, focusing on user access and system security.Training & Process ImprovementConduct knowledge-sharing sessions on compliance, risk, AML/KYC, and internal controls.Utilize insights from assessments to improve operational policies, controls, and procedures.RequirementsBachelor’s degree in Accounting, Finance, Business Administration, or related field.4–5 years of experience in internal control, audit, risk management, or compliance in banking or fintech.Strong knowledge of regulatory compliance, AML/CFT, fraud monitoring, and operational risk.Proficiency in core banking systems (Finacle, T24, Flexcube, etc.).Excellent analytical, reporting, and documentation skills.Professional certification (ICAN, ACCA, CIA) is highly desirable.How to ApplySend your CV to esther@dwightpatterson.co.uk with “Risk & Compliance Officer” as the subject line.