Compliance & Reporting Analytics

 Money (LCMMMI)

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The Manager, Anti Money Laundering (AML) & Fintech Risk is responsible for providing strategic leadership and oversight of Anti‑Money Laundering (AML), Counter‑Terrorist Financing (CTF), fraud risk, and enterprise risk management for Lonestar Cell MTN Mobile Money and Fintech operations. The role ensures compliance with Central Bank of Liberia (CBL) regulations, Financial Intelligence Unit (FIU) requirements, FATF standards, and MTN Group policies, while safeguarding the integrity of mobile money, digital financial services, agent networks, and customer transactions.

The role partners closely with MTN Group Risk & Compliance, Technology, Mobile Money Operations, Commercial, and external regulators to strengthen financial crime controls, improve internal control maturity and support sustainable Fintech growth.

Anti-Money Laundering (AML) Analytics & Insights

· Managing and coordinating the company’s AML Compliance program and ensuring that various pillars of the program are adequately and effectively implemented by the respective business units.

· Document and maintain up to date AML Policy and Procedures for Lonestar Cell MTN Mobile Financial Services Subsidiary

· Review and file Suspicious Transactions Reports and Currency Transactions Reports with the appropriate regulatory agencies.

· Monitor and ensure the timely review and closure of all alerts on the AML systems.

· Monitor and ensure the appropriate functioning of the AML/CFT Watchlists screening engine, ensuring that Watchlists are up to date and the timely review and closure of customer names matched to Watchlists.

· Coordinate and execute the AML, CFT and Sanctions risk management awareness and training covering the Board, Senior Management, Employees, agents and other stakeholders.

· Facilitate AML Products risk assessments covering the entire Lonestar Cell MTN Mobile Money products portfolio and new products and developing appropriate risk management strategies to protect the company’s products from being abused by money launderers.

· Ensure the operationalization of the company’s Risk Based Approach to AML/CFT including the review of High-Risk customers ensuring senior management approval.

· Disseminate applicable written compliance policies and procedures, including policies and procedures in respect of AML, CFT and Sanctions risk management, related to compliance activities.

· Prepare periodic reports in relation to the company’s AML/CFT program including a monthly AML/CFT Dashboard and Current AML/CFT Risk issues for the consideration of the Governance, Risk & Compliance Committee.

· Handle issues relating to internal and external audit reviews of the AML/CFT Program

· Drive and coordinate process reviews and transformation programmes to enhance operational efficiency and to ensure compliance.

· Apply current sanctions guidelines and be a specialist in multi-jurisdictional financial crime compliance. This will involve the verification of sanctions against previous business activities and the investigation of hits.

· Evaluate and advise on reputational and sanctions risk arising from customers and transactions.

· Perform segmentations for MFS & GSM Convergent campaigns (GSM subs), MFS users, Agents, airtime resellers, all MFS business partners.

· Perform data mining & provide relevant MFS data & statistical analysis and insight to facilitate business decision making.

· Support marketing value propositions & campaigns tariffs designing with Business cases.

· Perform competitive analysis and provide daily, weekly & monthly reports.

· Support MFS markets survey process & activities by providing relevant inputs.

· Analyse and suggest new business models to support MFS overall performance.

· Perform other duties assigned by management.

Fintech Enterprise Risk Management

· Lead Fintech AML, fraud, and financial crime risk management for Lonestar Mobile Money and digital financial services.

· Identify, assess, and monitor risks across mobile money products, merchant payments, agent networks, interoperability, and digital channels.

· Develop and maintain Fintech risk registers, KRIs, dashboards, and Board-level risk reports in line with MTN Group ERM frameworks.

· Support new product launches, partnerships, and innovations through risk assessments and control design.

Fintech Regulatory Compliance & Stakeholder Management

· Ensure full compliance with CBL, FIU, and other applicable regulatory requirements governing mobile money, payments, and Fintech services.

· Act as the primary point of contact for regulators on AML, fraud, and Fintech risk matters, including examinations, inspections, and supervisory reviews

· Coordinate regulatory reporting, responses to regulatory queries, and remediation of findings.

· Engage MTN Group Compliance, Risk, and Assurance teams to align local implementation with Group standards.

Fintech Internal Controls Improvement Program

· Lead and support the continuous improvement of Fintech internal controls related to AML fraud prevention, transaction monitoring, and reporting.

· Identify control weaknesses through analytics, audits, and reviews, design and track remediation plans.

· Support the development and testing of control effectiveness, including automation and preventive controls

Fintech Fraud Prevention Management

· Provide oversight of fraud risk management across MTN Mobile Money, including agent fraud, customer fraud, cyber‑enabled fraud, and internal fraud.

· Analyse fraud trends, losses, and typologies to strengthen preventive and detective controls

· Partner with Technology, Mobile Money Operations, and Cybersecurity teams to enhance fraud monitoring tools and response mechanisms.

· Support incident management, root cause analysis, and post‑incident remediation

Regulatory & Management Reporting

· Own end-to-end AML and Fintech regulatory reporting (e.g., STR/SAR, CTR, fraud returns, periodic supervisory reports), ensuring accuracy, completeness, and on-time submission.

· Prepare senior management and Board-level reports covering AML, fraud, Fintech risks, KPIs, KRIs, and thematic insights.

· Maintain documentation, data lineage, and audit trails to support examinations and audits.

Compliance Program Support

· Partner with AML Operations, KYC/CDD, Sanctions, Fraud, ERM, and Technology teams to align analytics with policy, risk assessments, and regulatory expectations.

· Support enterprise-wide and Fintech-specific risk assessments with data-driven inputs and scenario analysis.

· Contribute to policy and procedure enhancements related to AML, fraud, internal controls, and regulatory reporting.

Data Governance & Technology

· Define data requirements, controls, and quality checks for AML, fraud, and Fintech data sources.

· Collaborate with IT and vendors on system enhancements, data integrations, and automation initiatives.

· Ensure adherence to data privacy, security, and governance standards.

· Stakeholder & Regulator Engagement

Stakeholder & Regulator Engagement

· Act as a subject-matter expert for AML, fraud, and Fintech analytics during regulatory exams, audits, and internal reviews.

· Provide clear explanations of methodologies, assumptions, and results to non-technical stakeholders.

Leadership & Continuous Improvement

· Lead and develop a team of analysts (where applicable), setting goals, coaching, and performance management.

· Drive continuous improvement through automation, advanced analytics, and best-practice adoption.

Key Performance Indicators (KPIs)

· Timeliness and accuracy of AML regulatory submissions

· Quality and impact of analytics and insights delivered

· Reduction in false positives and improved monitoring effectiveness

· Audit and examination outcomes

• Bachelor’s degree in business Law, Risk Management, Statistics or Finance or related field
• Master’s degree in business, Risk Management or Finance (preferred)
• Certificate in Advanced SQL writing skills
• Certified Anti-Money Laundering Specialist (“CAMS”), Certified Fraud Examiner or Certified Regulatory Compliance Officer (“CRMC”) is advantageous.
• Certificate in Advanced Excel data manipulation and analysis skills

Experience

• Minimum five (5) years Financial Services experience (the majority in an AML capacity) either in an external consulting capacity and/or within an internal team at a large financial institution
• 4+ years of experience at a Middle Management/Managerial level
• Strong experience in customer life cycle management

· Proven ability to deliver strong business results within a cross functional organization.

• E-Payment platforms knowledge and management
• Project Management

· Strategic Business Management

· Any relevant Mobile Financial Service training is preferred.

Must be a Role Model of ethical practices by living the MTN Values of: Lead with Care, Can-Do with Integrity; Collaborate with Agility, Serve with Respect and Act with Inclusion

Knowledge :

· Knowledge of risk and regulatory requirements of the Mobile Financial Services industry

· Ability to write comprehensive reports and communicate effectively with all levels of Senior Management, Government, Banking Officials, Academia and the General Public

· Ability to establish policies and priorities to manage and evaluate projects.

· Good understanding of accounting/financial standards and principles and ability to resolve basic financial and accounting problems.

· Knowledge of Microsoft Office (MS Excel, MS PowerPoint and other relevant software for the purpose of analyzing data and producing reports to Senior Management)

· Ability to develop comprehensive and detailed business case to drive the business and motivate proper budget allocation.

· Comprehensive knowledge of Central Bank rules and regulations

· Comprehensive knowledge of payment ecosystem

· Good understanding of the Liberian legal system

Creativities (improvement /innovation inherent)

· Strong Stakeholder and vendor management skills

· Strong understanding of the Technology trends and best practices

· Strong team management – combination of functional and people management skills

· Understanding of the telecommunication industry

Behavioural Qualities:

• Conceptual Thinker & Problem Solver
• Improvement Driver & Culture and Change Champion
• Supportive People Manager & Relationship Manager
• Results Achiever & Operationally Astute

• Analytical Thinker and Problem Solver
• Operational Value Creator
• Culture and Change Champion

· Results Achiever and Operationally Astute

· Passion for e/m-commerce and mobile business