Senior Manager – Compliance & Financial Crime (AMLRO, Ghana)

Employment Type: Full-Time
Location: Accra, Ghana
Company: PayAngel (PAYINC GHANA LTD)
Application Deadline: 24 July 2026

About PayAngel

PayAngel is a leading digital payments and financial services organisation committed to making financial transactions secure, accessible, and convenient. Through innovation, technology, and trusted financial solutions, we support individuals and businesses while maintaining the highest standards of compliance, security, and customer protection.

As part of the PayInc Group, PAYINC GHANA LTD operates within Ghana’s regulated fintech and payments ecosystem. We are committed to maintaining strong governance frameworks that protect our customers, partners, and stakeholders while promoting responsible financial innovation.

The Opportunity

PayAngel is seeking an experienced and strategic Senior Manager – Compliance & Financial Crime (AMLRO, Ghana) to lead our Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and broader financial crime compliance programme.

The successful candidate will serve as the designated Anti-Money Laundering Reporting Officer (AMLRO) for PAYINC GHANA LTD and will play a critical role in designing, implementing, and maintaining a robust compliance framework that protects the organization’s integrity, reputation, and regulatory standing.

You will ensure that PayAngel’s compliance practices align with Ghana’s regulatory requirements, including the Anti-Money Laundering Act, 2020 (Act 1044), the Anti-Terrorism Act, 2008 (Act 762), the Payment Systems and Services Act, 2019 (Act 987), and applicable AML/CFT directives and guidelines issued by the Bank of Ghana and the Financial Intelligence Centre (FIC).

Key Responsibilities

As the Senior Manager – Compliance & Financial Crime (AMLRO), you will:

AML/CFT Governance and Compliance Management

• Develop, implement, and maintain PayAngel’s AML/CFT and financial crime compliance framework.
• Establish effective policies, procedures, controls, and governance structures to meet regulatory requirements.
• Serve as the primary AMLRO contact for regulatory and compliance matters.
• Ensure compliance with applicable Ghanaian financial crime laws, regulations, and regulatory directives.
• Provide strategic guidance to management on AML/CFT risks and compliance obligations.

Financial Crime Risk Management

• Conduct regular financial crime risk assessments and implement appropriate mitigation strategies.
• Monitor emerging financial crime risks within the fintech and payments environment.
• Strengthen controls relating to customer due diligence (CDD), enhanced due diligence (EDD), sanctions screening, transaction monitoring, and suspicious activity reporting.
• Review and improve compliance processes to support effective risk identification and prevention.

Regulatory Reporting and Engagement

• Manage the preparation and submission of regulatory reports and required compliance documentation.
• Maintain effective relationships with regulatory authorities, including the Bank of Ghana and the Financial Intelligence Centre.
• Coordinate regulatory reviews, audits, and compliance assessments.
• Ensure timely investigation and reporting of suspicious transactions in line with regulatory requirements.

Compliance Monitoring and Training

• Develop and execute compliance monitoring programmes to assess control effectiveness.
• Identify compliance gaps and implement corrective actions.
• Deliver AML/CFT awareness and training programmes across the organisation.
• Promote a strong culture of compliance, accountability, and ethical conduct.

Leadership and Stakeholder Management

• Collaborate with business, operations, technology, risk, and legal teams to embed compliance into business processes.
• Provide leadership and mentorship to compliance team members.
• Prepare compliance reports, dashboards, and management updates for senior leadership.
• Support strategic initiatives that strengthen governance and operational resilience.

Qualifications and Experience

The ideal candidate will have:

• Bachelor’s Degree in Law, Finance, Accounting, Business Administration, Risk Management, Compliance, or a related discipline.
• Professional certification in compliance, AML, financial crime, or risk management (such as CAMS, ICA, CFE, or equivalent) will be an advantage.
• Minimum of five (5) years of relevant experience in compliance, AML/CFT, financial crime prevention, risk management, banking, fintech, or payments.
• Demonstrated experience managing compliance frameworks within a regulated financial services environment.
• Strong understanding of Ghana’s AML/CFT regulatory landscape.

Skills and Competencies

The successful candidate will demonstrate:

• Strong knowledge of AML/CFT principles, financial crime risks, and regulatory compliance practices.
• Excellent understanding of fintech, digital payments, and related regulatory requirements.
• Strong analytical, investigative, and problem-solving abilities.
• Excellent stakeholder management and communication skills.
• Ability to influence business decisions while maintaining compliance standards.
• Strong leadership and strategic thinking capabilities.
• High integrity, sound judgement, and strong attention to detail.
• Ability to manage multiple priorities in a fast-paced and evolving environment.
• Strong report writing and presentation skills.

How to Apply

Apply online by clicking the Application button.