Careers

RISK AND COMPLIANCE OFFICER/ASSOCIATE RWANDA

Rwanda

About the Role

The Risk & Compliance Officer / Associate will support the implementation and day-to-day execution of Chipper’s Risk and Compliance Framework in Rwanda. Working closely with the Head of Risk & Compliance and cross-functional teams, you will assist in ensuring adherence to anti-money laundering (AML), counter-terrorist financing (CTF), and counter-proliferation financing (CPF) regulations.

This role is ideal for a detail-oriented and proactive compliance professional who is eager to build experience in regulatory compliance, risk management, and financial crime prevention within a fast-growing fintech environment.

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Who we are

Chipper Cash was founded in 2018 by Ham Serunjogi and Maijid Moujaled, with the aim to “chip away” at the problem of inaccessible financial services, a high population of underbanked consumers, reliance on cash for daily commerce and the difficulty of cross-border transactions. Today, Chipper Cash is connecting more than three million people in Africa, one transaction at a time with an easy-to-use mobile app that makes money transfers fast, secure and free. Whether it’s sending money home to support your family, running a cross-border business or paying local expenses, Chipper Cash saves time, saves money, and opens up new opportunities for Africans everywhere. 

With plans for rapid expansion, the Chipper Cash mobile app is currently available to consumers and businesses in eight countries, including Ghana, Kenya, Rwanda, Tanzania, Uganda, Nigeria, South Africa and the UK. Headquartered in San Francisco, California with offices across the globe, Chipper Cash delivers fair financial services that make the lives of millions of Africans better in a small way, every day. Chipper’s mission is to unlock global opportunities and bring Africa together, one transaction at a time. Come join us.  For more information, please visit our website: www.chippercash.com  

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Key Responsibilities

Core Compliance & AML/CTF Oversight

  • Support the local MLRO and Compliance leadership in monitoring and maintaining compliance with AML/CFT/CPF requirements.
  • Assist in preparing and filing Suspicious Activity/Transaction Reports (SARs/STRs) with the Rwanda Financial Intelligence Unit (NFIU) and the National Bank of Rwanda (BNR) in a timely and accurate manner.
  • Support the implementation and monitoring of the AML/CFT/CPF Framework and internal controls.
  • Conduct routine compliance checks, transaction monitoring reviews, and case investigations, escalating issues as needed.
  • Help maintain policies, procedures, and documentation in line with regulatory requirements and internal standards.
  • Stay informed on regulatory developments and support updates to internal processes and controls.

Regulatory Engagement & Reporting

  • Support responses to regulatory or law enforcement requests by gathering information and preparing documentation.
  • Assist in compiling periodic compliance reports and dashboards for local and global stakeholders.
  • Maintain accurate records and documentation to ensure audit readiness.
  • Coordinate internal follow-ups on regulatory findings and action plans

Risk Management & Governance

  • Assist in maintaining the country risk register and tracking risk mitigation actions.
  • Support periodic risk assessments, product reviews, and control testing activities.
  • Help monitor consumer protection and data protection controls and escalate any issues identified.
  • Participate in internal audits and independent testing exercises.
  • Provide data and insights to support decision-making and risk reporting.

Advisory & Culture Building

  • Provide day-to-day compliance support to internal teams (Product, Operations, Engineering, etc.) on policies, processes, and regulatory expectations.
  • Assist with compliance training and awareness initiatives across the organization.
  • Promote a culture of ethical conduct and compliance by supporting adherence to company policies and best practices.

Requirements

  • Bachelor’s degree in Finance, Business, Economics, Law, or a related discipline.
  • 2–3 years of experience in Risk, Compliance, Financial Crime, or Operations within a regulated financial institution, fintech, or payments company.
  • Basic understanding of Rwandan regulatory requirements (BNR, FIU, etc.) and exposure to compliance or audit environments.
  • Familiarity with AML/CFT principles and financial crime controls.

Technical Knowledge

  • Working knowledge of AML/CFT, KYC, transaction monitoring, sanctions screening, and risk management concepts.
  • Experience using compliance tools or case management systems is an advantage.
  • Proficiency in Google Workspace (Docs, Sheets, Slides, Drive).
  • Interest or exposure to digital financial services and fintech ecosystems.
  • Professional certifications such as CAMS, ICA, CFCS, or ACIN/DCP are a plus but not required

Soft Skills

  • Strong attention to detail and analytical thinking.
  • Good written and verbal communication skills.
  • Ability to follow processes and maintain accurate documentation.
  • Collaborative team player with a willingness to learn.
  • High integrity, professionalism, and sound judgment.
  • Ability to manage multiple tasks in a fast-paced environment.

Who You Are

You’re an early-career compliance professional who is curious, detail-oriented, and eager to grow. You take ownership of your work, ask thoughtful questions, and enjoy helping teams operate responsibly and ethically. You see compliance as a way to build trust and enable sustainable growth.

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What We Offer

  • The opportunity to shape the future of compliance in one of Africa’s fastest-growing fintechs.

  • A collaborative, high-performing culture built on trust, transparency, and innovation.

  • Professional growth through regional exposure, leadership collaboration, and development programs.

  • Competitive compensation and benefits aligned to global fintech standards.

Location:

This role is based in Rwanda and follows a hybrid work arrangement. Candidates must be currently residing in Rwanda and able to collaborate with both local and remote teams.

Next Steps

If you feel you are a fit, please send in your application to careers@chippercash.com by 24th February 2026.  It means a lot to us that you have taken the time to read through our job description so thank you for your time.  We wish you all the best in your job search. 

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chipper Cash is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance. If you have a disability or special need that requires accommodation, please let us know. 

Please note: Due to the high volume of applications, only selected applicants will be contacted.

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