This position supports the Chief Compliance Officer (CCO), who develops and provides oversight of AML/CFT and Sanctions risk management, under reporting to the General Counsel leading Legal and Compliance for Chipper Cash. The incumbent will functionally report to the Head of Compliance for Africa.

Are you someone who wants to keep criminals from abusing people and the financial system?  Do you enjoy solving mysteries?  Can you maintain objectivity and independence?

We are looking for someone like you who can conduct forensic financial investigations of clients or potential clients presenting possible compliance, reputational and regulatory risks to Chipper Cash. These risks might include money laundering, fraud/identity theft, terrorist financing, sanctions violations, among others.

Who we are

Chipper Cash was founded in 2018 by Ham Serunjogi and Maijid Moujaled, with the aim to “chip away” at the problem of inaccessible financial services, a high population of underbanked consumers, reliance on cash for daily commerce and the difficulty of cross-border transactions. Today, Chipper Cash is connecting more than one million people in Africa, one transaction at a time with an easy-to-use mobile app that makes money transfers fast, secure and free. Whether it’s sending money home to support your family, running a cross-border business or paying local expenses, Chipper Cash saves time, saves money, and opens up new opportunities for Africans everywhere.

With plans for rapid expansion, the Chipper Cash mobile app is currently available to consumers and businesses in seven countries, including Ghana, Kenya, Rwanda, Tanzania, Uganda, Nigeria and South Africa. Headquartered in San Francisco, California with offices across the globe, Chipper Cash delivers fair financial services that make the lives of millions of Africans better in a small way, every day. Chipper’s mission is to unlock global opportunities and bring Africa together, one transaction at a time. Come join us.  For more information, please visit our website: www.chippercash.com 

What’s in It for You?

Your role will assist in the process of detecting, monitoring, and investigating financial crime compliance risk related policies and procedures which are compliant with our global policies, as well as local regulatory requirements.  You will work with staff reporting to the CCO, Chief Technology Officer (CTO), Chief Financial Officer (CFO), Chief Operations Officer (COO), Chief Executive Officer (CEO), and approved third party vendors to promote an appropriate risk-based approach.

Your position will be dynamic as you lead compliance investigations and escalation activities across our offices, overseeing the work of the AML Compliance Analysts and Due Diligence Analysts.  Responsibilities include, but are not limited to:

  • Your responsibilities will include initiating proactive cases and reviewing escalations of high-risk clients; conducting periodic/EDD reviews; and reviewing potential instances of suspicious activity and financial crimes investigations across a diverse range of disciplines including AML, Sanctions, Fraud, cybercrime, and security using the case management and other compliance tools.
  • You will work independently within the AML policy framework to determine priorities and meet deadlines.
  • You must keep abreast of changes to mobile payments industry, financial crime trends, and regulatory requirements in order to assess impact and communicate changes to relevant stakeholders.
  • You apply subject matter expertise to the prioritization and  identification of trends, anomalies and patterns for given case investigations and prepare required reporting for dispositioning, including further escalation per policy.
  • Your interactions regarding sensitive investigatory matters evidence you demonstrating the exercise of sound judgement and high quality standards in risk analysis.
  • You will prepare reporting of trends and patterns of suspicious activity of the customers who misuse our products and services, so that we may adjust our control mitigation.
  • You serve as a mentor to other analysts through sharing knowledge, expertise, and problem-solving discussions.
  • You work with management to identify professional development goals and opportunities, including on-the-job training/skills enhancement.
  • You must maintain detailed records of all information used within the case management system for the investigation to clear or escalate the alert.
  • You will perform any additional duties, as assigned.

Qualifications

  • You possess a minimum of 5+ years of experience in financial services related role(s), with experience in several financial crimes underlying disciplines (AML/CFT, sanctions, fraud, investigations, transaction monitoring, client due diligence, agent due diligence). Candidates with less financial services experience may be considered if in a relevant discipline.
  • You have a minimum of bachelor’s degree, advanced degree preferred, and if you also have certification(s) from professional bodies relevant to the financial services sector that’s a plus.
  • You have demonstrated subject matter expertise (mobile banking/mobile payments/prepaid/ internet payments).
  • Knowledge of AML/CFT, sanctions, and fraud laws, rules, regulations, risks, and typologies.
  • Supervisory experience in an investigative, financial crimes unit, or related control area.
  • You gained experience operating effectively across globally dispersed teams.
  • You have demonstrated experience to independently manage, organize and prioritize multiple tasks, projects, responsibilities, and competing priorities for yourself and the team.
  • You possess excellent written, verbal English communication and analytical skills, with the ability to articulate ideas to a diverse audience.
  • It’s a plus if you have experience liaising with regulators and internal audit staff, such as examinations, audit and reviews, document production, and issue responses.
  • Be a self-driven, self-starter. We’re a dedicated, hardworking team collectively motivated by our mission and vision.
  • Have a global mindset. Even at our small size, we have a team that represents 10+ countries, and our global footprint of customers will continue to grow.
  • Be comfortable with the uncomfortable, goals that is!

Next Steps:

If you feel you are a fit, please apply because we would love to hear from you.  It means a lot to us that you have taken the time to read through our job description so thank you for your time.  We wish you all the best in your job search. 

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, veteran status, and any other status. Chipper Cash is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance. If you have a disability or special need that requires accommodation, please let us know. 

 

Apply for this Job

* Required
  
  


Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in Chipper Cash’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.


Form CC-305

OMB Control Number 1250-0005

Expires 05/31/2023

Voluntary Self-Identification of Disability

Why are you being asked to complete this form?

We are a federal contractor or subcontractor required by law to provide equal employment opportunity to qualified people with disabilities. We are also required to measure our progress toward having at least 7% of our workforce be individuals with disabilities. To do this, we must ask applicants and employees if they have a disability or have ever had a disability. Because a person may become disabled at any time, we ask all of our employees to update their information at least every five years.

Identifying yourself as an individual with a disability is voluntary, and we hope that you will choose to do so. Your answer will be maintained confidentially and not be seen by selecting officials or anyone else involved in making personnel decisions. Completing the form will not negatively impact you in any way, regardless of whether you have self-identified in the past. For more information about this form or the equal employment obligations of federal contractors under Section 503 of the Rehabilitation Act, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition.

Disabilities include, but are not limited to:

  • Autism
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, or HIV/AIDS
  • Blind or low vision
  • Cancer
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or hard of hearing
  • Depression or anxiety
  • Diabetes
  • Epilepsy
  • Gastrointestinal disorders, for example, Crohn's Disease, or irritable bowel syndrome
  • Intellectual disability
  • Missing limbs or partially missing limbs
  • Nervous system condition for example, migraine headaches, Parkinson’s disease, or Multiple sclerosis (MS)
  • Psychiatric condition, for example, bipolar disorder, schizophrenia, PTSD, or major depression

1Section 503 of the Rehabilitation Act of 1973, as amended. For more information about this form or the equal employment obligations of Federal contractors, visit the U.S. Department of Labor's Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.