ML Risk & Compliance Lead
Our mission We're making Africa the first cashless continent. In 2017, over half the population in Sub-Saharan Africa had no bank account. That's for good reason—the fees are too high, the closest branch can be miles away, and nobody takes cards. Without access to financial institutions, people are forced to keep their savings under the mattress. Small business owners rely on lenders who charge extortionate rates. Parents spend hours waiting in line to pay school fees in cash. We're solving this by building financial services that just work: no account fees, instantly available, and accepted everywhere. In places where electricity, water and roads don't always work, you can still send money with Wave. In 2017, we launched a mobile app in Senegal for cash deposit, withdrawal, and peer-to-peer and business payments. Now, we have millions of users across 9 countries and are growing fast. Our goal is to make Africa the first cashless continent and that's where you come in...How you'll help us achieve it As Risk and Compliance Lead, you’ll play a key role in maintaining operational integrity in a growing and dynamic environment. You will lead our field audit efforts in Mali while supporting internal control, compliance, and, on occasion, fraud operations. You’ll be the go-to person on the ground to coordinate local execution of our global risk and compliance standards. In this role, you'll; Field Audit & Controls Supervise and coordinate field audit activities (agent audits, spot checks, reconciliations). Work with the field audit and agent ops teams to escalate and address deficiencies identified during audits. Monitor implementation of control measures and escalate any breaches or gaps. Support the rollout of internal control frameworks across business functions. Risk & Compliance Support Assist with identifying and evaluating operational risks in coordination with functional teams. Monitor implementation of basic compliance requirements (e.g., KYC, agent onboarding controls). Participate in incident reviews and follow up on remediation actions. Support documentation and reporting on internal risk or compliance issues. Support AML and CFT Investigations in Mali, including submission of Suspicious Transaction Reports (STRs) to the Financial Intelligence Authority (FIA). Contribute to the implementation of the compliance program. Provide guidance, advice, and/or training and educational programs to improve business understanding of related laws and regulatory requirements. Conduct and respond to due diligence requests with our partners. Prepare periodic and ad hoc compliance reports with regulatory agencies. Provide guidance, advice, and/or training to improve business understanding of related laws and regulatory requirements. Fraud Support Help coordinate fraud investigations or awareness efforts as needed. Escalate fraud signals or trends to regional and global teams. Key details Location: You'll work from our office in Mali and may trave...