AML-CTF Analyst

Location: Accra, Ghana
Employment Type: Full-Time
Application Deadline: 24 July 2026

Company Profile

PayAngel is a forward-thinking financial technology company committed to delivering secure, innovative, and accessible payment solutions. We leverage technology to simplify financial transactions while maintaining the highest standards of security, compliance, and customer protection.

We are seeking a proactive, analytical, and detail-oriented AML-CTF Analyst to join our Compliance team. The successful candidate will play a key role in strengthening our financial crime prevention framework by identifying risks, investigating suspicious activities, and supporting compliance with regulatory requirements.

Key Responsibilities

Transaction Monitoring & Investigation

As an AML-CTF Analyst, you will:

• Review transaction monitoring alerts, Politically Exposed Persons (PEP) alerts, and sanctions screening alerts on a daily basis.
• Analyse customer transactions, account activities, and behavioural patterns to identify potential suspicious activity.
• Conduct detailed investigations, document findings, and escalate cases appropriately in line with internal procedures.
• Support the identification and mitigation of financial crime risks across PayAngel’s operations.

Client & Partner Reviews

You will:

• Review and assess customer due diligence (CDD) and Know Your Customer (KYC) documentation.
• Conduct enhanced due diligence (EDD) reviews for higher-risk customers and partners and escalate cases for approval where necessary.
• Perform periodic customer reviews to ensure records remain accurate, complete, and up to date.
• Support compliance reviews of existing and prospective agents and partners.

Regulatory Compliance

You will:

• Stay updated on AML-CTF laws, regulations, regulatory guidance, and industry best practices.
• Ensure compliance with internal AML-CTF policies, procedures, and external regulatory requirements.
• Support improvements to compliance processes and contribute to employee awareness and training initiatives.

Reporting & Stakeholder Communication

You will:

• Prepare internal and regulatory compliance reports accurately and within required timelines.
• Analyse AML-CTF activity trends and present insights and recommendations to management.
• Support engagements with regulators, auditors, and external compliance reviewers.
• Provide guidance to internal teams and agent partners on AML-CTF obligations and compliance expectations.

Policies, Procedures & Compliance Programme Development

You will:

• Assist in reviewing, updating, and implementing AML-CTF policies, procedures, and controls.
• Support the execution of the annual compliance plan.
• Contribute to the enhancement of AML-CTF systems, monitoring tools, and risk management frameworks.
• Support initiatives that strengthen PayAngel’s overall financial crime prevention programme.

Qualification Required & Experience

Applicants should have:

• A Bachelor’s Degree in Business, Finance, Accounting, Risk Management, Law, or a related field.
• A minimum of three (3) years of AML/CTF compliance, risk management, or financial crime prevention experience within financial services, payments, fintech, or a related industry.
• Strong understanding of AML-CTF regulations, compliance frameworks, and financial services risk management.
• Experience using transaction monitoring tools and compliance systems.
• Strong analytical, investigative, and problem-solving skills.
• Excellent written and verbal communication skills.
• High attention to detail and accuracy.
• Ability to work independently while collaborating effectively with cross-functional teams.
• CAMS or a similar professional certification will be an added advantage.

How to Apply

Apply online by clicking the Application button.