Risk & Compliance Officer

the Risk & Compliance Officer is the institutions dedicated compliance lead. The role covers AML/CFT monitoring CBG statutory reporting customer due diligence oversight credit risk compliance sanctions screening and the development of a strong compliance culture across the institution. The officer also serves as the primary liaison between Kolomoni MFI Gambia and the CBG and the Financial Intelligence Unit (FIU) of The Gambia.

• Monitor transactions for AML/CFT red flags; file Suspicious Transaction Reports (STRs) and Currency Transaction Reports (CTRs) with the FIU within statutory deadlines
  
• Screen customers and transactions against UNSC OFAC EU and GIABA sanctions lists
  
• Prepare and submit all CBG statutory returns AML/CFT filings and credit bureau reports on schedule
  
• Review account opening documentation and ensure CDD/EDD compliance with the Gambia AML/CFT Act 2012
  
• Monitor CBG circulars and regulatory updates; advise management on compliance implications
  
• Review loan files for credit policy and SOL compliance; track PAR as a credit risk indicator
  
• Serve as the CBG examination and FIU liaison; coordinate remediation of regulatory findings
  
• Deliver annual AML/CFT training to all staff and maintain a compliance records library
  

Qualifications:

• Bachelors degree in Law Finance Accounting Banking or a related field
  
• 35 years experience in compliance risk management or regulatory affairs within a bank MFI or financial services institution
  
• Strong knowledge of the Gambia AML/CFT Act 2012 CBG regulations and GIABA compliance standards
  
• Experience with STR/CTR filing and sanctions screening processes
  
• Professional certification in CAMS ICA Diploma in AML/Compliance ACCA or equivalent is strongly preferred
  
• Excellent written communication skills for regulatory submissions and management reporting