Key Responsibilities:
Legal Advisory
Provide day-to-day legal advice to management and business teams.
Review, draft and negotiate commercial agreements, partnership agreements, vendor contracts, employment-related agreements, NDAs and other legal documents.
Review contracts with banks, payment service providers, merchants, agents, technology providers and other strategic partners.
Identify and advise management on legal risks arising from proposed business activities.
Ensure appropriate contractual protections are included in commercial arrangements.
Manage relationships with external legal counsel.
Monitor litigation, disputes and claims involving the company.
Maintain appropriate records of legal matters and contracts.
Advise management on applicable Ghanaian laws affecting the business.
Regulatory Compliance
Develop and maintain an effective regulatory compliance framework for MVend Ghana.
Monitor applicable laws, regulations, regulatory notices, directives and industry requirements.
Ensure compliance with applicable requirements of the Bank of Ghana and other relevant regulatory authorities, depending on the company's licence and activities.
Maintain a regulatory obligations register.
Coordinate regulatory reporting and submissions.
Monitor compliance with licence conditions and regulatory commitments.
Advise management on the regulatory implications of new products, services, partnerships and business models.
Support regulatory inspections, examinations and audits.
Ensure regulatory findings are appropriately addressed and closed within agreed timelines.
AML/CFT & KYC
Oversee the company's Anti-Money Laundering and Counter-Terrorist Financing framework.
Ensure appropriate Know Your Customer (KYC) and Customer Due Diligence (CDD) procedures are implemented.
Establish enhanced due diligence processes for higher-risk customers and transactions.
Monitor compliance with applicable AML/CFT requirements.
Support transaction monitoring and suspicious activity escalation processes.
Ensure appropriate customer identification and verification procedures.
Review and update AML/CFT policies and procedures.
Coordinate relevant regulatory reporting and suspicious transaction reporting processes.
Conduct periodic AML/CFT risk assessments.
Organise AML/KYC training for employees and relevant business partners.
Risk Management
Develop and maintain an effective Enterprise Risk Management framework covering:
Regulatory risk
Legal risk
Operational risk
Financial risk
Credit risk, where applicable
Fraud risk
Cybersecurity and technology risk
Data/privacy risk
Third-party/vendor risk
Reputational risk
Business continuity risk
Key responsibilities include:
Maintain the company's risk register.
Identify and assess emerging risks.
Develop risk mitigation plans.
Establish risk indicators and monitoring mechanisms.
Monitor risk exposure against approved risk appetite.
Escalate material risks to senior management.
Coordinate periodic enterprise risk assessments.
Prepare risk reports for management and the Board/Risk Committee.
Data Protection & Privacy
Ensure the company's handling of customer, employee and business data complies with applicable Ghanaian data protection requirements.
Work with Technology and Information Security teams to identify privacy and data risks.
Review data-processing arrangements with third parties.
Support privacy impact assessments where required.
Maintain appropriate privacy policies, notices and procedures.
Advise on customer consent and lawful processing of personal data.
Support the management of data breaches and privacy incidents.
Promote employee awareness of data protection responsibilities.
Consumer Protection
Ensure customer-facing products, communications and processes comply with applicable consumer protection requirements.
Review customer terms and conditions, disclosures and product documentation.
Monitor customer complaints and identify systemic compliance issues.
Ensure customers receive appropriate information about fees, charges, products and services.
Work with Customer Experience and Operations teams to improve complaint management.
Monitor potentially unfair, misleading or inappropriate customer practices.
Product & Business Advisory
The Manager will act as a strategic partner to the business by:
Reviewing new products and services from a legal, regulatory and risk perspective.
Participating in product development and launch processes.
Conducting compliance assessments before product launches.
Advising on new markets, customer segments and distribution channels.
Reviewing marketing campaigns and customer communications where necessary.
Assessing regulatory implications of new technologies and business models.
Providing practical recommendations that enable innovation while managing risk.
Fraud & Financial Crime Risk
Develop and monitor the company's fraud risk management framework.
Identify potential fraud vulnerabilities across products and processes.
Work with Operations, Technology and Finance to investigate suspected fraud.
Establish appropriate fraud prevention and detection controls.
Monitor fraud trends and recommend corrective measures.
Support investigations into suspected financial crime.
Ensure appropriate escalation and documentation of material incidents.
Third-Party & Vendor Risk
Conduct legal and compliance due diligence on key third parties.
Assess regulatory and operational risks associated with vendors and partners.
Review third-party contracts and service-level agreements.
Ensure appropriate confidentiality, data protection, business continuity and liability provisions are included.
Maintain a third-party risk register.
Monitor material vendors and strategic partners for ongoing compliance.
Policies & Governance
Develop, review and maintain legal, risk and compliance policies.
Ensure policies are communicated and implemented across the organisation.
Establish appropriate compliance monitoring programmes.
Develop compliance checklists and control frameworks.
Coordinate periodic policy reviews.
Maintain appropriate governance documentation.
Support Board and management committees with compliance and risk reports.
Training & Compliance
Develop annual legal, risk and compliance training programmes.
Train employees on:
AML/KYC
Data protection
Fraud prevention
Regulatory requirements
Conflict of interest
Code of conduct
Whistleblowing
Information security
Promote a strong culture of ethical conduct and regulatory compliance.
Ensure employees understand their individual compliance responsibilities.
Regulatory & External Stakeholder Relations
Serve as a key point of contact for regulatory and compliance matters.
Coordinate communications and engagements with relevant regulatory authorities.
Prepare the company for regulatory examinations and inspections.
Respond to regulatory queries and information requests.
Maintain a regulatory calendar.
Monitor regulatory developments and communicate their impact to management.
Maintain strong working relationships with external legal counsel and professional advisers.
Internal Audit & Assurance
Work with Internal Audit and external auditors on legal, risk and compliance matters.
Coordinate management responses to audit findings.
Monitor remediation of compliance and risk issues.
Conduct periodic compliance reviews.
Track corrective actions and ensure timely closure.
Report unresolved material issues to senior management.
Business Continuity & Incident Management
Support the development and maintenance of business continuity and disaster recovery plans.
Participate in incident response processes.
Ensure significant operational, regulatory, cyber, fraud or data incidents are appropriately escalated.
Coordinate post-incident reviews.
Recommend measures to prevent recurrence of material incidents.
Educational Qualifications:
Bachelor's degree in Law, Finance, Accounting, Risk Management, Business Administration or a related discipline.
A professional legal qualification is strongly preferred where the role has significant legal responsibilities
Master's degree in Law, Compliance, Risk Management, Finance or Business Administration is an advantage.
Professional Certifications
Relevant certifications may include:
AML/Financial Crime certification
Certified Risk Management qualification
Compliance certification
Data protection/privacy certification
Chartered Accountant qualification
Other relevant financial services regulatory qualifications
Technical Competencies
Ghanaian financial services regulatory environment
AML/CFT
KYC/CDD
Enterprise Risk Management
Regulatory compliance
Contract drafting and negotiation
Corporate governance
Data protection and privacy
Fraud risk management
Consumer protection
Third-party risk
Compliance monitoring
Regulatory reporting
Business continuity
Legal research and interpretation
Risk and compliance reporting
Experience:
A professional legal qualification is highly desirable, particularly for a role with substantial legal responsibilities.
Professional certification in Compliance, Risk Management, AML/CFT or related areas is an advantage.
3–5 years' relevant experience, preferably with experience in FinTech, banking, payments, financial services or a regulated environment.
Strong knowledge of Ghana's regulatory and financial-services environment.
Experience in AML/CFT, KYC, data protection, corporate governance and risk management.
Strong contract drafting and negotiation skills.
Excellent analytical, communication and stakeholder-management skills.
The Person
The ideal candidate should be commercially minded, highly ethical, analytical and proactive, with the ability to balance regulatory requirements with business growth.
Personal Attributes
The successful candidate must be:
Commercially driven and results-oriented
Entrepreneurial and innovative
Highly ethical and trustworthy
Confident and influential
Customer-focused
Analytical and data-driven
Resilient and adaptable
A strong negotiator
An excellent communicator
Comfortable operating in a fast-paced technology environment
Capable of balancing rapid growth with regulatory and operational discipline
Location
: Accra
Salary
: Attractive
Requirements
Jobberman Third Party is a recruitment and talent acquisition account that connects qualified professionals with career opportunities on behalf of a wide range of employers across Ghana.
Through this account, we advertise verified job opportunities for organizations across various industries and job functions, helping employers find the right talent while making it easier for job seekers to discover quality employment opportunities.
Our focus is to deliver a professional, transparent, and efficient recruitment experience by matching candidates with roles that align with their skills, qualifications, and career aspirations.
Whether you are starting your career or seeking your next opportunity, Jobberman Ghana Third Party provides access to diverse roles with reputable employers through a trusted recruitment process.
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