Compliance Officer – Democratic Republic of the Congo (DRC)

Ria Money Transfer

Ria Money Transfer, a business segment of Euronet Worldwide, Inc. (NASDAQ: EEFT), delivers innovative financial services including fast, secure, and affordable global money transfers to millions of customers along with currency exchange, mobile top-up, bill payment and check cashing services, offering a reliable omnichannel experience. With over 600,000 locations in nearly 200 countries and territories, our purpose remains to open ways for a better everyday life.

We believe we can create a world in which people are empowered to build the life they dream of, no matter who they are or where they are. One customer, one family, one community at a time.

ABOUT THIS ROLE

Job Title: Compliance Officer – Democratic Republic of the Congo (DRC) Division/Department: Compliance / Operations Location: Kinshasa, DRC Reports to: Head Compliance Africa Position Type: Full-time

The Compliance Officer is responsible for ensuring that all Ria operations in the Democratic Republic of the Congo comply with local regulations, internal policies, AML/CFT requirements, and international standards. This role provides frontline compliance oversight, monitors transactions, supports agent compliance, and acts as a point of contact for regulatory authorities including the Central Bank of Congo (BCC) and relevant financial intelligence units.

ROLES & RESPONSIBILITIES

A. Regulatory Compliance

• Ensure full compliance with local financial regulations and Central Bank of Congo (BCC) requirements.
• Manage regulatory reporting obligations (AML/CFT, suspicious activity, agent onboarding, operational licensing).
• Maintain strong working relationships with regulators and respond to regulatory inquiries.
• Ensure all products and services are compliant before launch.

B. AML/CFT & Fraud Prevention

• Monitor transactions using Ria’s internal systems to detect suspicious or unusual activity.
• Conduct deep-dive investigations on high-risk transactions, agents, corridors, or customers.
• Prepare and submit Suspicious Activity Reports (SARs/STRs) to the relevant authorities.
• Review fraud and risk alerts, perform trend analysis, and recommend corrective actions.
• Ensure ongoing compliance with internal AML/BSA policies.

C. Internal Controls & Monitoring

• Perform regular audits of agent locations to ensure adherence to AML, KYC, and operational requirements.
• Review KYC documentation and verify high-risk customer profiles.
• Implement monitoring programs to assess the effectiveness of internal controls.
• Maintain up-to-date compliance procedures and ensure operational teams follow them.

D. Training & Awareness

• Develop and deliver AML/CFT and compliance training to employees and agents.
• Provide guidance to the business and operational teams on regulatory changes.
• Communicate fraud trends, risk findings, and compliance gaps to stakeholders.

E. Reporting & Documentation

• Draft detailed internal reports on compliance issues, fraud cases, AML metrics, and agent audits.
• Maintain documentation of regulatory filings, risk assessments, and compliance reviews.
• Prepare dashboards and KPIs related to compliance activities.
• Support regional and global compliance teams with data and reporting needs.

F. Support to Operations

• Assist with agent onboarding due diligence (KYC, risk scoring, documentation).
• Support internal investigations and collaborate with Group Fraud, Legal, and Operations.
• Participate in process improvement initiatives to strengthen compliance governance.

POSITION REQUIREMENTS

• SKILLS AND ABILITIES

• Strong knowledge of AML/CFT frameworks, fraud prevention, and BSA requirements.

• Strong analytical skills and ability to interpret complex data.

• Excellent communication skills (written and verbal) in French; English proficiency required.

• High attention to detail, strong organization skills, and ability to manage multiple priorities.

• Ability to work independently and handle sensitive information with discretion.

• Proficiency in Microsoft Office (Excel advanced level preferred); Power BI is an advantage.

• Ability to work under pressure and adapt quickly to regulatory or operational changes.

• Team-oriented mindset with proactive, problem-solving attitude.

• COMPETENCIES

• Integrity & Accountability

• Analytical Thinking

• Risk Awareness

• Process Discipline

• Stakeholder Management

• Adaptability & Flexibility

• Professionalism & Confidentiality

• EDUCATION

• Bachelor’s degree in Law, Finance, Business, Risk Management, or related field.

• Compliance certifications (CAMs, ICA, or equivalent) are a strong plus.

• WORK EXPERIENCE

• Minimum 5–7 years of experience in compliance, AML, risk management, or regulatory oversight.

• Experience in the financial sector: banking, fintech, mobile money, payments, or MTOs.

• Familiarity with the regulatory environment of the DRC or Central Africa is an advantage.

• Experience working with regulators or financial intelligence units is a plus.

Ria Money Transfer is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Check out our website to learn more about the company at: http://www.riamoneytransfer.com/

The position responsibilities outlined above are intended to define the general contents and requirements to perform this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company’s right to assign or reassign duties and responsibilities to this job as needed.

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