Anti-money Laundering Reporting Officer

Anti-Money Laundering Reporting Officer About Peswa Our vision is to financially empower people so that they can live dignified lives. As a team, we achieve this by building financial infrastructure that seamlessly connects Africans to innovative and affordable credit products. This is at the heart of everything we do at Peswa - from our technology teams to our risk management teams. Peswa operates in Ghana's fintech sector, where money moves in real time, across borders and through digital channels. Real-time payments, cross-border and foreign-currency flows, digital lending and emerging virtual asset activity each bring their own laundering typologies. Regulators including BoG, the FIC and the SEC expect controls to keep pace. Role summary Peswa is hiring an Anti-Money Laundering Reporting Officer to own its anti-money laundering, counter-terrorist financing and counter-proliferation financing programme, and to serve as its designated AMLRO under the Anti-Money Laundering Act, 2020 (Act 1044). Title Anti-Money Laundering Reporting Officer (AMLRO) Reports to Board Risk & Compliance Committee & CEO (Administrative) Location East Legon, Accra, or other designated offices; five days a week This is a fintech AML role, not a traditional bank compliance post. This role ensures that Peswa's platforms are never a conduit for illicit funds, while enabling the business to grow safely. Key responsibilities The AMLRO will own the AML programme end to end, from risk assessment and monitoring to regulator relationships and Board reporting. Programme ownership. Design, document and maintain Peswa's AML/CFT&P framework, policies and procedures, aligned to Act 1044, the BoG/FIC AML/CFT&P Guidelines, the Virtual Asset Service Providers Act, 2025 (Act 1154) and any foreign regime Peswa enters. Conduct and refresh the enterprise-wide money laundering risk assessment at least annually. Designation and regulatory reporting. Act as Peswa's designated AMLRO. Own relationships with BoG, the FIC, the SEC and other regulators, and lead examinations and remediation. Make final decisions on suspicious transaction reports and ensure timely STR, CTR and other filings through goAML. Monitoring and investigations. Design, implement and tune transaction monitoring rules for real-time payments, cross-border settlement, lending and virtual assets. Oversee alert review, investigations and case management. Detect and disrupt mule networks, layering across payment providers and the movement of scam proceeds. Customer, merchant and partner due diligence. Set risk-based KYC, KYB and enhanced due diligence standards, including tiered KYC tied to the Ghana Card, onboarding of foreign merchants, due diligence on PSPs and other partners, and PEP and sanctions screening. Product and business enablement. Assess money laundering risk for new products, corridors and partners before launch. Work with product and engineering teams to build controls into systems. Advise on data sharing with partners and affiliates in line with the Data Protection Act, 2012 (Act 843). Licensing and expansion. Lead the AML components of new licence applications and registrations, including banking, virtual asset and foreign registrations. Governance, training and culture. Report quarterly to the Board on AML risk, management information and remediation. Deliver training tailored to field staff, agents, merchant-facing teams and engineers. Coordinate with internal audit, which independently reviews the AML programme. Tools and team. Select and oversee monitoring, screening and blockchain analytics tools. Build and lead the AML function, including recruiting and supervising future team members. Requirements The ideal candidate is fintech-native but has faced BoG scrutiny, and can show hands-on AML results, not only governance duties. Experience: 8+ years in AML/CFT or financial crime compliance, including at least 3 in a payments, mobile money, remittance, digital lending or other fintech business within the last 5 years. Experience across more than one regulated entity or jurisdiction. Regulatory: Has served as designated AMLRO or deputy for a BoG-regulated or equivalent institution; direct engagement with BoG and the FIC, including examinations. Exposure to SEC Ghana and other foreign regulators. Hands-on AML: Demonstrated transaction monitoring design or tuning, investigations, STR filing, sanctions and PEP screening, and merchant KYB. Fraud analytics experience in a fintech. Cross-border payments Working knowledge of cross-border and FX payment flows. Correspondent banking or international payments compliance. Educational Qualifications Degree in finance, accounting, economics or a related field; CAMS or equivalent, or commitment to obtain it within 12 months. ICA, CFE, CISA or CIA; data protection certification Technical Comfortable analysing transaction data in Excel; understands how payment systems and APIs work SQL or similar data skills How to apply Send your CV and a cover letter to careers@peswa.finance with the subject line "Anti-Money Laundering Reporting Officer" on or before 15th November 2026. Describe specific outcomes you achieved, such as monitoring rules you designed, examinations you led or compliance programmes you built, rather than listing duties. Shortlisted candidates will complete a practical assessment before a panel interview. <