Anti-Money Laundering Reporting Officer (AMLRO)

About the role

Peswa, a Ghanaian fintech focused on real-time payments, cross-border flows, digital lending and virtual assets, is hiring an Anti-Money Laundering Reporting Officer. The role owns the AML, counter-terrorist financing and counter-proliferation financing programme and acts as the designated AMLRO under the Anti-Money Laundering Act, 2020 (Act 1044). It is a fintech AML role, not a traditional bank compliance post, and reports to the Board Risk & Compliance Committee and the CEO.

Key responsibilities

• Design, document and maintain the AML/CFT&P framework, policies and procedures aligned with Act 1044, the BoG/FIC guidelines, the Virtual Asset Service Providers Act and foreign regimes
• Conduct and refresh the enterprise-wide money laundering risk assessment at least annually
• Act as designated AMLRO, manage regulator relationships (BoG, FIC, SEC), lead examinations and remediation, and make final decisions on suspicious transaction reports
• Design and tune transaction monitoring rules for real-time payments, cross-border settlement, lending and virtual assets, and oversee alert review, investigations and case management
• Set risk-based KYC, KYB and enhanced due diligence standards, including tiered KYC tied to the Ghana Card, PEP and sanctions screening
• Assess money laundering risk for new products and partners, advise on data sharing with affiliates, and lead AML parts of new licence applications
• Report quarterly to the Board, deliver training to field staff, agents, merchants and engineers, coordinate with internal audit, and select and oversee monitoring, screening and blockchain analytics tools

Required profile

• 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 in the last 5 years
• Experience across more than one regulated entity or jurisdiction
• Served as designated AMLRO or deputy for a BoG-regulated institution, with direct engagement with BoG and the FIC, including examinations
• Demonstrated hands-on AML work: transaction monitoring design or tuning, investigations, STR filing, sanctions and PEP screening, merchant KYB, fraud analytics in a fintech
• Working knowledge of cross-border and FX payment flows, correspondent banking or international payments compliance
• Degree in finance, accounting, economics or a related field; CAMS or equivalent (or commitment to obtain it within 12 months)

Required skills

• Excel for analysing transaction data
• Understanding of payment systems and APIs
• SQL or similar data skills
• ICA, CFE, CISA, CIA or data protection certification

Candidates apply by sending a CV and cover letter by 15 November 2026, describing specific outcomes achieved. Shortlisted candidates complete a practical assessment before a panel interview.