at Moniepoint
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<p data-path-to-node="0"><strong>Job Title: Fraud Desk Officer</strong></p>
<p data-path-to-node="0"><strong>Department: Fraud Management</strong></p>
<p data-path-to-node="0"><strong>Reports to: Head, Fraud Desk</strong></p>
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<p data-path-to-node="1"><strong>About Us</strong></p>
<p data-path-to-node="1">Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest-growing company in Africa. Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit, and business management tools to help them succeed. Moniepoint processed $182 billion in 2023 and currently processes the majority of the POS transactions in Nigeria.</p>
<p data-path-to-node="2"><strong>About This Role</strong></p>
<p data-path-to-node="2">The Fraud Desk Officer is responsible for identifying, investigating, and preventing fraudulent activity within the organisation's payment and banking platforms. The role involves analyzing suspicious transactions, managing fraud cases end-to-end, and collaborating with internal departments and external stakeholders to mitigate financial and reputational losses.</p>
<p data-path-to-node="3"><strong>Responsibilities</strong></p>
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<p data-path-to-node="4,0,0"><strong data-path-to-node="4,0,0" data-index-in-node="0">Fraud Investigation:</strong> Investigate fraudulent or suspicious transactions reported internally or externally.</p>
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<p data-path-to-node="4,1,0"><strong data-path-to-node="4,1,0" data-index-in-node="0">Transaction Analysis:</strong> Analyse transaction patterns for red flags, unusual activity, or emerging fraud typologies.</p>
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<p data-path-to-node="4,2,0"><strong data-path-to-node="4,2,0" data-index-in-node="0">Merchant Risk Mitigation:</strong> Flag high-risk merchants and recommend onboarding restrictions to secure the ecosystem.</p>
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<p data-path-to-node="4,3,0"><strong data-path-to-node="4,3,0" data-index-in-node="0">Case Management:</strong> Maintain detailed case logs and ensure all fraud cases are effectively closed with sufficient supporting evidence.</p>
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<p data-path-to-node="4,4,0"><strong data-path-to-node="4,4,0" data-index-in-node="0">External Liaison:</strong> Coordinate and liaise with law enforcement, regulatory agencies, and industry peers during fraud cases.</p>
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<p data-path-to-node="4,5,0"><strong data-path-to-node="4,5,0" data-index-in-node="0">Control Optimization:</strong> Recommend robust control and system improvements to proactively prevent future fraud occurrences.</p>
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<p data-path-to-node="4,6,0"><strong data-path-to-node="4,6,0" data-index-in-node="0">Knowledge Sharing:</strong> Design and deliver fraud awareness training sessions across relevant internal departments.</p>
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<p data-path-to-node="5"><strong>Experience & Background</strong></p>
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<p data-path-to-node="6,0,0">Minimum of 2 years' experience in fraud investigation, transaction disputes, or risk operations, preferably in a fintech or digital banking environment.</p>
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<p data-path-to-node="6,1,0">Minimum educational qualification of HND or Bachelor's degree in Accounting, Finance, Law, Criminology, or a related field.</p>
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<p data-path-to-node="7"><strong>Skills & Competencies</strong></p>
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<p data-path-to-node="8,0,0"><strong data-path-to-node="8,0,0" data-index-in-node="0">Analytical & Investigative Rigor:</strong> Strong investigative skills with the ability to interpret complex transactional data and identify suspicious activity.</p>
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<p data-path-to-node="8,1,0"><strong data-path-to-node="8,1,0" data-index-in-node="0">Domain Expertise:</strong> Solid understanding of fraud typologies specific to the fintech, digital payments, and card-present/card-not-present industry.</p>
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<p data-path-to-node="8,2,0"><strong data-path-to-node="8,2,0" data-index-in-node="0">Technical Proficiency:</strong> Experience navigating fraud detection systems, transaction monitoring tools, and case management software.</p>
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<p data-path-to-node="8,3,0"><strong data-path-to-node="8,3,0" data-index-in-node="0">Communication Excellence:</strong> Outstanding verbal and written communication skills, including the ability to document investigations clearly and professionally.</p>
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<p data-path-to-node="8,4,0"><strong data-path-to-node="8,4,0" data-index-in-node="0">Organization & Agility:</strong> High attention to detail with the ability to manage multiple complex cases simultaneously under tight deadlines.</p>
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<p data-path-to-node="8,5,0"><strong data-path-to-node="8,5,0" data-index-in-node="0">Regulatory Knowledge:</strong> Familiarity with local financial regulatory requirements and enforcement reporting frameworks (e.g., CBN, NFIU, and EFCC).</p>
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<p data-path-to-node="9"><strong>Preferred Qualifications (Added Advantage)</strong></p>
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<p data-path-to-node="10,0,0">Certified Fraud Examiner (CFE)</p>
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<p data-path-to-node="10,1,0">Certified Anti-Money Laundering Specialist (CAMS)</p>
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<p data-path-to-node="10,2,0">Designate Compliance Professional (DCP)</p>
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<p data-path-to-node="10,3,0">Other relevant professional certifications in KYC, AML, Compliance, or Risk Management.</p>
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<p data-path-to-node="11"><strong>What Success Looks Like In This Role</strong></p>
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<p data-path-to-node="12,0,0"><strong data-path-to-node="12,0,0" data-index-in-node="0">Loss Minimisation:</strong> Drastic reductions in financial and reputational losses through swift, accurate identification and neutralisation of fraudulent activity.</p>
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<p data-path-to-node="12,1,0"><strong data-path-to-node="12,1,0" data-index-in-node="0">Case Resolution Efficiency:</strong> Maintaining comprehensive, accurate case evidence files and meeting turnaround times for end-to-end case closures.</p>
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<p data-path-to-node="12,2,0"><strong data-path-to-node="12,2,0" data-index-in-node="0">Proactive Security:</strong> Identifying structural process vulnerabilities and contributing actionable feedback to update fraud detection rule frameworks.</p>
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<p data-path-to-node="12,3,0"><strong data-path-to-node="12,3,0" data-index-in-node="0">Seamless Stakeholder Relations:</strong> Ensuring professional, compliant, and prompt correspondence with external law enforcement bodies and regulatory authorities.</p>
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<p data-path-to-node="13"><strong>Why Join Us</strong></p>
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<p data-path-to-node="14,0,0"><strong data-path-to-node="14,0,0" data-index-in-node="0">Culture:</strong> We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.</p>
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<p data-path-to-node="14,1,0"><strong data-path-to-node="14,1,0" data-index-in-node="0">Learning:</strong> We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.</p>
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<p data-path-to-node="14,2,0"><strong data-path-to-node="14,2,0" data-index-in-node="0">Compensation:</strong> You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits.</p>
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<p data-path-to-node="14,3,0"><strong data-path-to-node="14,3,0" data-index-in-node="0">Inclusivity:</strong> Moniepoint is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.</p>
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