Compliance officer — AML/KYC (Nigeria)

Company Description ZeltaPay is a financial technology company focused on making it simple to move money across Africa and beyond through a single, unified platform. The company offers multicurrency wallets, instant transfers, virtual cards, mobile money, and business accounts tailored to how individuals and businesses in Africa actually transact.

ZeltaPay is live and processing NGN transactions. We are pursuing BaaS partnerships and a CBN licence. Every BaaS provider will conduct compliance due diligence before onboarding us. The CBN requires a named, accountable compliance officer. This is the hire that unblocks our next stage of growth.

ROLE DESCRIPTION: You will be ZeltaPay's named compliance officer — accountable to regulators, BaaS partners, and our board. You will build our compliance function from scratch: policies, KYC procedures, transaction monitoring, suspicious activity reporting, and regulatory filings. The Compliance Officer will oversee the implementation and maintenance of ZeltaPay’s anti-money laundering (AML) and know-your-customer (KYC) frameworks, ensuring they meet regulatory requirements applicable to Nigeria and other relevant jurisdictions.

WHAT YOU'LL OWN IMMEDIATELY

• AML and KYC policy documentation — fit for CBN examination and BaaS provider due diligence
• Customer risk classification framework — tiered KYC aligned to CBN KYC Regulations 2023
• Transaction monitoring thresholds and suspicious activity reporting (SARs) to NFIU
• Compliance due diligence responses for potential BaaS onboarding.
• AML/CFT training for all staff — this is a CBN requirement regardless of team size
• Velocity and fraud pattern definitions — in collaboration with the engineering team

WHAT YOU'LL BUILD TOWARD

• Regulatory engagement strategy for CBN PSSP or Switching licence application
• Board-level compliance reporting cadence and risk committee structure
• FATF Travel Rule readiness as cross-border transaction volumes grow
• A compliance culture — where product and engineering treat regulatory requirements as inputs, not constraints

WHAT WE REQUIRE

• 5+ years in financial services compliance in Nigeria — bank, fintech, EMI, or licensed PSP
• Deep working knowledge of CBN AML/CFT Regulations, NFIU reporting obligations, and EFCC Act requirements
• Strong Analytical Skills and Finance knowledge to assess transaction patterns, customer risk profiles, and potential financial crime indicators.
• Direct experience authoring AML policies and KYC procedures — not reviewing someone else's
• Experience preparing or materially contributing to a CBN licence application
• The ability to advise product teams in plain language — translating regulation into buildable decisions
• Willingness to operate as a solo compliance function and build the processes from nothing

WHAT THIS ROLE IS NOT

• A role for someone who has only worked inside large, established compliance teams
• A role where regulatory accountability can be delegated or deferred
• A role suited to someone who needs existing frameworks before they can operate

NICE TO HAVE

• CAMS certification (Certified Anti-Money Laundering Specialist)
• Existing professional relationships with CBN examiners or NFIU contacts
• Prior experience at a Nigerian BaaS provider, payment processor, or EMI
• Familiarity with Dojah, Smile Identity, or Mono for KYC identity verification

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