Product Auditor

Responsibilities

• Maintain a living Product Audit Universe covering all payment products, features, and integrations ranked by risk
• Own the annual Product Audit Plan, ensuring coverage is allocated dynamically based on risk ratings, product complexity, regulatory sensitivity, and change velocity
• Review PRDs, business rules, and transaction workflows to identify logic gaps, unmitigated risk paths, and missing exception-handling routines before products reach production/go-live
• Analyse product path scenarios, verify Maker-Checker enforcement, and provide formal control design sign-off before any material release goes live
• Periodically assess live payment products to confirm they continue to operate within approved design parameters
• Detect configuration drift, identify silent divergence from original PRDs, and analyse live transaction data for emerging risk patterns
• Execute mandatory pre-production Product Audit reviews as an independent control gate for all material releases
• Confirm reconciliation logic, exception queues, and fallback controls are tested and functional
• Escalate critical deficiencies with risk ratings and hold recommendations where a product is not safe to release
• Interrogate the Fee Engine using SQL to mathematically prove that commissions, VAT, discounts, and splits are posted with complete precision
• Validate duplicate prevention mechanisms and ensure transaction integrity within complex, multi-step payment sequences
• Test reversal, refund, and chargeback logic to confirm financial symmetry is maintained in every scenario
• Trace fund flows, confirming continuous synchronisation between wallet sub-ledgers and the General Ledger
• Assess reconciliation logic for breaks and evaluate the authorisation, documentation, and reversibility of manual settlement overrides
• Confirm that all product modifications (fee tables, routing rules, limit parameters) passed through an approved change management cycle
• Identify silent changes made outside formal release processes
• Audit the integrity of product master data to ensure it is access-controlled, version-tracked, and consistent with approved product terms
• Assess controls over vendor-managed product components
• Evaluate SLA performance against contractual commitments and identify single-vendor dependency risks within critical payment flows
• Evaluate the organisation's ability to detect unilateral changes in third-party API behaviour, fee logic, or settlement processes
• Engage product and engineering teams early in the design cycle to provide informal control advisory, reducing findings at the formal review stage without compromising independence
• Participate in design reviews and architecture discussions
• Build a control-by-design culture across product teams
• Lead post-incident reviews for product failures, producing structured RCA reports that identify underlying logic failures, not just surface symptoms
• Assess corrective actions for adequacy and track findings to verify closure
• Ensure product logic complies with CBN guidelines, PCI DSS, and consumer protection obligations at the design level
• Evaluate the regulatory impact of new features before release
• Prepare risk-rated audit reports for Executive Management and the Audit Committee, leading with findings, financial impact, and required action
• Maintain a Product Risk Register
• Deliver quarterly control maturity updates
• Ensure governance bodies are never surprised by a product failure that was visible at the design or portfolio review stage

Requirements

• Bachelor's degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative discipline
• 3–5+ years in Product Audit, Systems Audit, Financial Data Analytics, or Payment Operations within a fintech or financial services environment
• Advanced SQL for independent data extraction and transaction interrogation
• Payment systems architecture knowledge: Wallets, card processing, direct debit, settlement, and reconciliation
• API and integration literacy (Basic)
• End-to-end transaction lifecycle knowledge: Authorisation, posting, clearing, settlement, and exception handling
• PRD and process flow analysis: translating product documentation into control flowcharts
• Mathematical precision: fee calculations, interest computations, and split payment structures
• Pattern recognition: detecting anomalies, outliers, and irregularities in large transaction datasets
• Risk-based audit methodology: IIA Standards and COSO framework applied to financial products
• Control design logic and evaluation
• Root cause analysis
• Regulatory knowledge: CBN payment system regulations, PCI DSS, NDPR, Nigerian consumer protection obligations
• Stakeholder engagement
• Professional scepticism and independence
• Risk-rated report writing
• SQL (PostgreSQL / MySQL / MSSQL)
• Advanced Excel / Google Sheets
• Claude / AI Tools
• CISA, CIA, or CFE preferred; ACA / ACCA is acceptable when combined with strong technical product experience and data analytics
• Demonstrated hands-on familiarity with payment product architecture, wallet systems, and regulated payment flows in a Nigerian or comparable market context

Benefits

• Culture that puts people first and prioritizes the well-being of every team member
• Environment focused on knowledge sharing, training, and helping you reach your potential
• Attractive salary
• Pension
• Health insurance
• Annual bonus
• Other great benefits