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 four 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 the United States, United Kingdom, Ghana, Rwanda, 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 You Will Be Doing

Your role will assist in the process of developing and managing the compliance risk framework for Chipper Operations in Rwanda in line with our global policies, as well as local regulatory  requirements. You will implement  and maintain appropriate licensing and meeting all reporting obligations to relevant governmental authorities.  You will work with staff reporting to the CCO and approved third party vendors to promote an appropriate risk-based approach. 

Your position will be dynamic as you oversee the work of the Risk and Compliance for all operations in Rwanda, including in connection with our global teams including our  Investigators (Tier III), the AML Compliance Analysts (Tier II),  and Due Diligence Analysts (Tier I). Responsibilities include, but are not limited to the following as regards to Rwanda:

  • Develop, implement, and coordinate Chipper’s risk and  compliance frameworks for Rwanda in consistency with Chipper’s strategic plans
  • Review applicable legislation and regulatory requirements and advise LRC leadership on existing requirements and any changes thereto to  ensure that Chipper consistently complies with these compliance requirements
  • Develop and monitor appropriate internal policies, processes, and  controls for Chipper in respect of key legal, regulatory, and ethical obligations
  • Develop and implement appropriate risk assessment frameworks  to be used as a guide in identifying, eliminating, and mitigating risks  facing Chipper’s operations
  • Identify potential areas of compliance vulnerability and risk and  develop/implement corrective action plans for resolution of  problematic issues while also providing general guidance on avoiding or  resolving similar future concerns
  • Recommend and contribute to the improvement of the internal controls and operational environment based on the risk reviews within the  context of Chipper’s products while considering the overall business  environment and trends
  • Oversee all compliance anti-money laundering and prevention of financing of  terrorism protocols, know- your-customer (KYC) and related policies for  Chipper’s products and liaising with appropriate regulatory authorities in  this regard under the supervision of the Global CCO
  • Provide regular reports to keep the CCO informed of the operation and  progress of compliance activities
  • Conduct staff trainings; both at an introductory and continuous basis to all employees, to ensure a cogent understanding of new and existing compliance issues and related policies and procedures in respect of  Chipper’s business
  • Actively contribute towards Chipper’s firm-building initiatives and  development of talented individuals by creating an environment for the  full development of the potential of Chipper personnel
  • Travel as necessary and when required by Chipper during the execution of the  Employee’s duties
  • Coordinate strategic and operational initiatives as the in-country MLRO as outlined in Chipper’s AML Program and risk  management, procedures, and guidance
  • Carry out all licensing maintenance and reporting obligations, including, without limitation, preparing and filing all suspicious activity or equivalent reports
  • Any other duty or task that Chipper and its management may determine  from time to time.


We have four company core values, and they drive the way we work across teams and across the globe. These are:

Lead with Empathy: We are all human. Empathy shines through in how we treat each other and our customers. When something doesn’t go as planned, we look for opportunities to learn and grow together.

Be an Owner: This is your company too. We take initiative to make things better. We take action when something looks out of place.

Communicate to Develop Trust: Effective, transparent communication is the foundation for building trust. We communicate early and communicate often. We share mistakes and lessons to make us more unified and stronger.

Be Bold: We are bold because we push the limits of what we think is possible and we show up every day to chip away, in any way possible, at these impossibly hard problems.

What You Should Have 

  • 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 is a plus if you have experience liaising with regulators and internal audit staff,  such as examinations, audit and reviews, document production, and issue  responses
  • You possess excellent written, verbal English communication and analytical skills,  with the ability to articulate ideas to a diverse audience
  • Be a self-driven, self-starter. We’re a dedicated, hardworking team collectively motivated by our mission and vision
  • Have a global mindset. We have a team that represents  10+ countries, and our global footprint of customers will continue to grow

Chipper Cash <3’s Chipper Team Members

At Chipper Cash we prioritize people. Benefits/perks listed here may vary depending on the nature of your employment with Chipper Cash and the country where you work. We offer competitive salaries and benefits. US-based employees gain access to healthcare benefits, a 401(k) plan and company match, unlimited PTO that you’ll actually be encouraged to take, equity in the company, outstanding health and wellness benefits such as our new Chipper Care Policy, generous parental leave, and a welcoming and inclusive culture that embraces the open-minded traveler with a love for humanity and all our differences, and much more.

At Chipper we know some groups of applicants will only apply if they check every box on a job opening, but we encourage you not to say no for us. If you meet 80% of the requirements, apply apply apply! We would love to speak to you.


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