Recruitment at Unified Payment Services Limited

Unified Payment Services Limited is Nigeria’s premier Payments & Financial Technology company that operates as a shared infrastructure for the banking community in Nigeria and Payments Service Provider within and outside Nigeria, with a vision to be the most preferred e-payment service provider in Africa.

We are recruiting to fill the position below:

Job Title: Business Risk Officer

Location: Nigeria
Employment Type: Full-time

Job Objectives

• To be able to promptly identify, measure, monitor, manage, minimize and report risks that may impact negatively on the achievement of our business objectives in line with the enterprise risk tolerance and business strategy.
• Carry out unit-specific risk and control self-assessments, risk mapping, prevention of fraud, implementation of mitigation measures, business continuity and process improvement.

Duties and Responsibilities

• Operational risk assessment of all departments within the enterprise and the company subsidiaries.
• Internal control to ensure operational effectiveness and efficiency.
• Risk advisement for various departments as per new products, implementation, change requests and system integration with UP to mitigate operational, reputational, strategic and regulatory risk.
• Preparation of Operational Risk report to Senior Management.
• Work closely with other depts. within the organization to investigate and resolve alleged fraudulent incidents.
• Escalate issues with potential for negative industry and/or corporate exposure.
• Special investigation and review for suspicious scheme transactions

Other Responsibilities:

• Operational risk assessment of all departments in UP and other subsidiaries which involve evaluating the operations and activities of these departments to identify, assess, measure and mitigate risks.
• The staff will also assist in providing riskmitigating factors to the units involved, remediation options and process improvement ideas.
• Follow up with business units to design and implement controls and action plans to mitigate operational risk thereby ensuring the effective running of the enterprise business.
• Planning, managing, and providing ongoing support for the implementation of the company’s operational risk framework.
• Facilitate Risk and Control Self-Assessment (RCSAs) Workshop for business units while working closely with them to identify and monitor relevant Key Risk indicators.
• The staff will also assist business units in developing Key Risk Indicators (KRI) for all key risks in the business, creation and reporting of KRIs including thresholds in the risk dashboards.

Requirements

• Knowledge / Education: B.Sc Degree in Finance, Economics, Computer Science, Social Sciences, Engineering, Business Administration, Information Technology or related fields.
• Strong experience in Operational risk assessment, analysis of business metrics and formulation of Key Risk Indicators.
• 3 – 4 years post NYSC experience.
• Knowledge of Microsoft office packages such as Word, Excel and PowerPoint Relevant Risk Management qualification (E.g. Certified Fraud Examiner – CFE, Certified Operational Risk Manager – CORM, Certified Information System Audit- CISA, Certified Risk, Manager – CRM, Professional Risk Manager – PRM, etc.) will serve as added advantages.

Skill / Competencies:

• Good analytical skills.
• Ability to communicate effectively in speech and writing.
• Good reporting skills and attention to details.
• Proven experience in maintaining internal & external relationships through strong interpersonal and team working skills.

Application Closing Date
29th December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: rashidat.oke@up-ng.com using the Job Title as the subject of the email.

Job Title: Head, Operational Risk

Location: Nigeria
Employment Type: Full-time

Job Objectives

• To lead and oversee the identification, assessment, management, and mitigation of operational risks across the organization.
• The role is responsible for developing and maintaining the operational risk management framework, ensuring that operational risks are effectively managed to safeguard the organization’s assets, reputation, and operations.

Duities and Responsibilities

• Develop and implement the operational risk management framework and strategy, ensuring that operational risks are effectively identified, assessed, and managed.
• Lead the identification and assessment of operational risks across all business units and processes.
• Oversee the development and execution of operational risk assessments, ensuring comprehensive identification of potential risks across the organization.
• Continuously monitor key operational risks, key risk indicators (KRIs), and risk trends, identifying emerging risks and areas of concern.

Key Performance Indicators
Operational Risk Management:

• Work closely with senior management to develop and implement risk mitigation strategies and ensure that operational risks are aligned with the organization’s risk appetite
• Monitor and report on operational risk exposure, ensuring that risk limits and mitigation strategies are in place and adhered to.
• Ensure that operational risks are considered in all key business decisions and that appropriate risk assessments are performed for new products, systems, and processes.

Risk Assessment & Monitoring:

• Lead risk assessment exercises and ensure the integration of operational risk assessments into business planning and decision-making processes.
• Provide guidance and oversight on business continuity, disaster recovery plans, and other operational risk-related strategies.

Compliance & Regulatory Requirements:

• Ensure that operational risk management practices comply with local regulations, industry standards, and internal policies.
• Monitor changes in regulatory requirements related to operational risk and ensure that the organization adapts its risk management practices accordingly.
• Ensure that operational risk frameworks are aligned with industry best practices and regulatory expectations, contributing to the organization’s compliance and audit readiness.

Requirements

• Education: University Degree in Risk Management, Finance, Business Administration, Accounting, or a related field.
• Experience: Minimum of 10 years’ experience in operational risk management, preferably in the financial services, banking, or payments industry.
• Professional Certifications: Certified Risk Manager (CRM) or Financial Risk Manager (FRM) is preferred.
• Operational Risk Management or related certifications would be an advantage.
• ISO 31000 Risk Management certification is also a plus.
• Others: Strong experience in Fraud Investigations
• Proven track record of leading risk management initiatives and implementing risk management frameworks within an organization.
• Experience in dealing with operational risks related to technology, processes, systems, and third-party vendors.

Key Competency Requirements:

• Knowledge: Knowledge of Microsoft office packages, data tools or statistical packages
• Ability to communicate effectively in speech and writing.
• Skill/Competencies: Strong understanding of operational risk management frameworks, risk assessment methodologies, and incident management.
• Proven ability to analyze complex operational risks and develop strategies to mitigate them.
• Leadership skills with the ability to manage and influence teams across the organization.
• Excellent communication and presentation skills, with the ability to engage senior management and stakeholders.
• Strong problem-solving skills and the ability to implement effective remediation plans.

Application Closing Date
29th December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: rashidat.oke@up-ng.com using the Job Title as the subject of the email.

Job Title: Head, Anti Money Laundering

Location: Nigeria
Employment Type: Full-time

Job Summary

• The Head of Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT) is responsible for developing, implementing, and overseeing the organization’s compliance program to prevent financial crimes.

Responsibilities

• Develop and review AML/CFT/CPF policies and procedures, ensuring alignment with laws, regulatory requirements and international best practices.
• Ensure effective implementation of system and processes for identification, investigation, and reporting of suspicious transactions/activities to relevant authorities, such as the Nigerian Financial Intelligence Unit (NFIU).
• Develop AML/CFT/CPF training plan and ensure effective implementation.
• Develop and deliver in-house AML/CFT/CPF training to raise awareness among employees.
• Implement and manage Targeted Financial Sanctions and PEP screening processes.
• Conduct Know Your Customer (KYC), Customer Due Diligence (CDD) processes and Enhanced Due Diligence (EDD) for high-risk customers.
• Manage compliance audits, keep track of exceptions and ensure timely closure. • Compile and present reports on compliance activities, findings, and recommendations to senior management and the board.Develop Board and Senior Management compliance reports
• Develop mechanism, monitor and analyses ML/TF/PF emerging trends and typologies, ensuring that the organization have adequate preventive measures to protect its system from being used as a conduit for financial crimes.
• Collaborate with relevant departments to ensure that ML/TF/PF controls and mitigation measures are in place and effective. • Engage in cross-functional responsibilities and performed other compliance functions as assigned by the Chief Compliance Officer CCO.
• In partnership with HR, responsible for attracting, hiring, motivating, engaging and retaining employees in their units/departments and directorates by institutionalizing a positive work culture, fostering career growth through training and advancement opportunities, encouraging open communication and feedback, recognizing contributions, and ensuring fair and inclusive practices

Requirements

• Education: Bachelor’s Degree in Finance, Accountancy, Banking or a related field.
• Professional certifications such as Certified Anti-Money Laundering Specialist (CAMS,) Designate Compliance Professional (DCP) or Certified Fraud Examiner (CFE) is an added advantage.

General Experience:

• Understanding of the key technical concepts in AML/CFT.
• Minimum of 10 years of experience in compliance, risk management, or related fields, with demonstrated leadership capabilities.

Application Closing Date
31st January, 2026.

How to Apply
Interested and qualified candidates should send their CV to: recruitment@up-ng.com using the Job Title as the subject of the email.

Job Title: Policy / Government Regulations Analyst

Location: Nigeria
Employment Type: Full-time

Job Objectives

• The Policy/Government Regulations Analyst will support the organization in ensuring compliance with relevant government regulations, policies, and laws.
• This role involves conducting research, monitoring regulatory developments, analyzing proposed and existing policies, and providing recommendations to internal teams.
• The analyst will assist in the preparation of regulatory reports, filings, and other compliance-related documentation, while also helping to ensure the organization remains informed and proactive about regulatory changes and their impact on business operations.

Duties and Responsibilities

• Monitor and analyze local, regional, and international government regulations and policies affecting the organization’s operations.
• Assist in the development and implementation of strategies to ensure organizational compliance with applicable regulatory requirements.
• Conduct research on regulatory trends, legislative changes, and governmental policies that may impact the organization.
• Prepare reports and summaries on regulatory matters for senior management and other departments.
• Assist in preparing and submitting regulatory filings, applications, and documentation required by government authorities.
• Provide guidance on regulatory compliance issues, identifying risks and proposing solutions to mitigate them.
• Ensure there is an effective system for the reporting of code of conduct violations and investigation within the organization
• Collaborate with legal, compliance, and other departments to support regulatory compliance and policy implementation.
• Support the organization’s advocacy efforts by researching and drafting policy positions on relevant regulatory matters.
• Assist in the development of internal policies, procedures, and systems to ensure compliance with legal and regulatory requirements including privacy laws.
• Participate in training programs to educate internal stakeholders on regulatory changes and compliance requirements.
• Maintain a comprehensive understanding of industry regulations, standards, and government policies relevant to the organization’s business.
• Provide administrative support in managing relationships with government agencies and regulatory bodies.
• Assist in auditing processes and conducting compliance assessments within the organization.
• Support the development of risk management strategies related to regulatory compliance.
• Report on the status of ongoing regulatory initiatives, highlighting potential compliance risks and opportunities for improvement.

Requirements
Education:

• Bachelor’s Degree in Business Administration, Public Policy, Law, Risk Management, or a related field.
• A Master’s Degree or equivalent in a relevant field is an advantage.

General Experience:

• Minimum of 5 years’ experience in policy analysis, government relations, or regulatory affairs, preferably in a corporate, governmental, or consulting environment.
• Experience in researching and interpreting government regulations and policies.

Technical Skills:

• Strong knowledge of relevant regulations, laws, and compliance standards applicable to the organization’s industry.
• Proficiency in analyzing and synthesizing complex policy and regulatory information.
• Ability to draft clear and concise reports, summaries, and policy documents.
• Familiarity with compliance and regulatory reporting systems.

Application Closing Date
31st December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: recruitment@up-ng.com using the Job Title as the subject of the email.

Job Title: Head, Legal Services

Location: Nigeria
Employment Type: Full-time

Job Objectives

• To provide strategic leadership and oversight of the Legal Services Department, ensuring that the Company’s interests are fully protected in all legal and regulatory matters.
• To lead the development, review, and implementation of legal policies, frameworks, and processes that safeguard the Company’s operations and reputation.
• To act as principal legal advisor to executive management, the Board, and business units on all legal and compliance issues.

Duties and Responsibilities

• Provide strategic legal guidance and support to the Company’s leadership on business decisions, transactions, and risk management.
• Oversee the drafting, negotiation, and review of high-value and complex contracts to ensure the Company’s interests are protected.
• Ensure proper governance, legal compliance, and risk management across all business operations and units.
• Represent the Company in dealings with regulators, external counsel, and other stakeholders on legal and compliance matters.
• Manage relationships with external solicitors and ensure cost-effective and satisfactory resolution of outsourced matters.
• Supervise the custody, management, and retrieval of legal instruments, executed contracts, and other critical documents.
• Provide leadership to the Legal Services team, setting performance goals, mentoring staff, and building legal capacity within the department.
• Develop and maintain a robust compliance framework to ensure adherence to laws, regulations, and corporate policies.
• Provide timely updates to the Board and Executive Management on emerging legal risks, regulatory changes, and litigation matters.

Requirements
Education:

• Bachelor of Laws (LL.B) and Call to the Nigerian Bar (B.L).
• Postgraduate degree (LL.M or MBA) and relevant professional certifications (e.g., ICSAN, IBA) will be an added advantage.

Experience:

• Minimum of 10 years post-call legal experience, with at least 5 years in a senior leadership role within the financial services, fintech, or a reputable commercial law firm.
• Proven expertise in corporate and commercial law, contract negotiation, regulatory compliance, and governance. • Strong track record in managing complex legal matters and leading legal teams. Skills & Competencies:
• Excellent knowledge of Company Law, Contract Law, and Financial Services Regulations.
• Exceptional leadership, communication, and negotiation skills.
• Strong analytical and problem-solving abilities.
• Ability to influence and build relationships with key stakeholders.

Application Closing Date
31st December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: opeoluwa.oluyemi@up-ng.com using the Job Title as the subject of the email.

Job Title: Operational Risk Officer

Location: Nigeria
Employment Type: Full-time

Job Objectives

• To be able to promptly identify, measure, monitor, manage, minimize and report risks that may impact negatively on the achievement of our business objectives in line with the enterprise risk tolerance and business strategy.
• Carry out unit-specific risk and control self-assessments, risk mapping, prevention of fraud, and implementation of mitigation measures, business continuity and process improvement.

Duties and Responsibilities

• Conduct operational risk assessments across all departments and subsidiaries to identify, evaluate, and mitigate potential threats to business operations.
• Ensure effective internal control processes to promote operational efficiency and mitigate risk.
• Provide risk advisory support to business units on new product launches, system implementations, change requests, and integrations – ensuring alignment with strategic, regulatory, reputational, and operational risk standards.
• Prepare and present comprehensive operational risk reports for senior management, highlighting key risk exposures and trends.
• Collaborate with internal departments to investigate and resolve incidents of suspected fraud; escalate issues with potential reputational or regulatory impact.
• Conduct special investigations into suspicious transactions or scheme activities, providing analysis and actionable insights.
• Assist in developing remediation strategies, process improvements, and risk mitigation plans in collaboration with business units.
• Monitor implementation of control measures and follow up with teams to ensure corrective actions are effectively executed.
• Support the development and execution of the company’s operational risk management framework and ongoing risk governance initiatives.
• Facilitate Risk and Control Self-Assessment (RCSA) workshops to help business units identify, assess, and monitor operational risks.
• Assist in the development and reporting of Key Risk Indicators (KRIs), including threshold setting, dashboard reporting, and ongoing monitoring.
• Perform internal control reviews to ensure reliability of processes, transaction integrity, policy compliance, and adherence to applicable laws and regulations.
• Analyze operational risk incidents to identify root causes and recommend process or control enhancements.

Requirements

• Education: Bachelor’s Degree in Finance, Economics, Computer Science, Social Sciences, Engineering, Business Administration, Information Technology or related fields.
• Experience: 2-4 years post NYSC experience

General Experience:

• Strong experience in Operational risk assessment, analysis of business metrics and formulation of Key Risk Indicators.
• Relevant Risk Management qualification (E.g. Certified Fraud Examiner – CFE, Certified Operational Risk Manager – CORM, Certified Information System AuditCISA, Certified Risk Manager – CRM, Professional Risk Manager – PRM, etc.) will serve as added advantage.

Key Competency Requirements:

• Knowledge: Knowledge of Microsoft office packages such as Word, Excel and Powerpoint

Skill / Competencies:

• Good analytical skills
• Ability to communicate effectively in speech and writing.
• Good reporting skills and attention to details
• Proven experience in maintaining internal & external relationships through strong interpersonal and team working skills.

Application Closing Date
29th December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: rashidat.oke@up-ng.com using the Job Title as the subject of the email.

Job Title: Head, Policy / Government Regulations

Location: Nigeria
Employment Type: Full-time

Job Objectives

• The Head of the Policy / Government Regulations Department will lead the organization’s efforts in navigating and complying with relevant government regulations and policies.
• This role involves developing, implementing, and overseeing regulatory strategies to ensure full compliance with the requirements of national and international laws and regulations as well as industry standards.
• The position will focus on maintaining up-to-date knowledge of regulatory developments, advising senior management and the Board on potential risks and opportunities, and fostering effective collaboration with government agencies and industry associations.

Duties & Responsibilities

• Develop and execute the organization’s regulatory strategy to ensure compliance with all relevant government regulations and policies.
• Liaise and respond to enquiries and requests from regulators and law enforcement agencies.
• Ensure there is an effective system for the reporting of AML/CFT/CPF and code of conduct violations and investigation within the organization
• Ensure the organization is in compliance with applicable data privacy laws and regulations.
• Monitor regulatory changes, legislation, and industry trends to ensure the organization’s compliance with applicable laws and regulations.
• Provide timely and accurate updates to senior management and department heads regarding risks, opportunities and the impact of regulatory changes.
• Collaborate with legal and other departments to ensure the effective implementation of regulatory requirements.
• Oversee the preparation and submission of regulatory filings, reports, and communications to government agencies.
• Identify and assess risks related to regulatory compliance and develop mitigation strategies to address potential issues.
• Provide training and guidance on policy changes and regulatory requirements across the organization.
• Lead efforts to align internal processes, systems, and operations with legal and regulatory requirements.
• Support the development of internal audits, compliance and risk management frameworks to maintain compliance.

Requirements
Education:

• Bachelor’s degree in Public Policy, Law, Political Science, Business Administration, or a related field.
• A Master’s degree or equivalent in a relevant field is preferred.

General Experience
Technical Skills:

• In-depth knowledge of relevant regulations, laws, and compliance standards in the organization’s industry.
• Strong understanding of governmental processes, public policy, and regulatory frameworks.
• Expertise in managing relationships with regulatory bodies and other stakeholders.
• Proficiency in risk management, compliance systems, and reporting mechanisms.
• Certifications: Certifications in regulatory compliance, policy development, or public administration (e.g., Certified Regulatory Compliance Manager (CRCM), Certified in Governance, Risk, and Compliance (GRC), or similar) are a plus.

Experience:

• Candidates should have a minimum of 10 years of experience in policy, regulatory affairs, government relations, or related fields, with at least 5 years in a leadership position.
• Experience working with government agencies, industry bodies, and regulatory authorities.

Application Closing Date
31st January, 2026.

How to Apply
Interested and qualified candidates should send their CV to: recruitment@up-ng.com using the Job Title as the subject of the email.

Job Title: Head, Business Risk

Location: Nigeria
Employment Type: Full-time

Job Summary

• To promptly identify, measure, monitor, manage, minimize and report risks that may impact on the achievement of our core business objectives in line with the enterprise risk tolerance and business strategy.
• Carry out unit-specific and company-wide risk control self-assessment, risk mapping, business continuity planning and process improvement.
• Conduct objective, thorough and timely investigation on fraud-related cases reported by schemes, banks, internal and external e-payment stakeholders.
• Ensures that the company and business units meet all internal compliance requirements and external regulatory obligations.
• Provide quality assurance on the effectiveness of risk migration strategies deployed and carry out internal control activities.
• Ensure that proper risk management policies, processes and procedures are formulated and implemented.
• Merchant risk assessment and KYC documentation for new and existing agents / merchants.

Responsibilities

• Risk advisement for various departments as per new product implementation, investigates change requests and system integration with UP to mitigate operational, reputational, strategic and regulatory risk.
• Work closely with other depts. within the organization to investigate and resolve alleged fraudulent incidents. Escalate issues with potential for negative industry and/or corporate exposure.  Special investigation and review for suspicious scheme transactions.
• Management of fraud monitoring solutions and review of alert rule set on the application.
• Facilitate Risk and Control Self-Assessment (RCSAs) Workshop for business units while working closely with them to identify and monitor relevant Key Risk indicators. Assist business units in developing Key Risk Indicators (KRIs) for all key risks in the business creation, monitoring and reporting of KRIs including thresholds in the risk dashboards
• Investigation, follow-up on business-risk related issues, analysis and resolution of suspicious transactions cutting across various platforms and schemes such as TWO, PayArena, PayAttitude, Mastercard, Visa, etc.
• Co-ordination of team members, compilation and submission of business risk reports to Executive Management.  To effectively manage and update the risk register to ensure proper follow-up on identified challenges towards conclusive issue resolution.
• Coordination of team members for Internal Control activities, operational risk assessment, Fraud investigation and merchant onboarding risk reviews.
• Review of CBN website for recent regulations or information which can affect UP and other subsidiaries while providing summary reports to executive management.
• Investigation and prompt response to Customer Service Requests for Unified Payment and other subsidiaries.
• Merchant onboarding, Risk Assessment and review of KYC documentation.
• Work with Financial Institutions and Marketing teams to review merchant KYC documentations and applicable licenses for seamless business integration to mitigate risk.
• Drafting of memo on Risk-related issues with background details, findings and suitable recommendations for process improvement.
• Key stakeholder for cross-functional impact assessment in change management process, quality assurance and internal control.

Requirements

• Education: BSc in Finance, Economics, Computer Science, Social Sciences, Engineering, Business Administration, Information Technology or related fields.
• MBA/MSc will act as an added advantage for the role Relevant Risk Management certifications and qualifications (E.g. Certified Fraud Examiner – CFE, Certified Operational Risk Manager – CORM, Certified Information System Audit (CISA), Project Management Professional (PMP), Professional Risk Manager – (PRM) etc. will serve as an added advantage.
• Minimum of 10 years of experience in managing financial services risk, preferably in Traditional Banks or Payment & Transaction processing Companies.
• Must know how to work with Schemes – Visa.
• Others: Strong experience in Operational risk assessment, Internal Control and Fraud Investigation.

Application Closing Date
23rd December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: rashidat.oke@up-ng.com using the Job Title as the subject of the email.

Job Title: Head, Policy / Government Regulations

Location: Nigeria
Employment Type: Full-time

Job Objectives

• The Head of the Policy / Government Regulations Department will lead the organization’s efforts in navigating and complying with relevant government regulations and policies.
• This role involves developing, implementing, and overseeing regulatory strategies to ensure full compliance with the requirements of national and international laws and regulations as well as industry standards.
• The position will focus on maintaining up-to-date knowledge of regulatory developments, advising senior management and the Board on potential risks and opportunities, and fostering effective collaboration with government agencies and industry associations.

Duties & Responsibilities

• Develop and execute the organization’s regulatory strategy to ensure compliance with all relevant government regulations and policies.
• Liaise and respond to enquiries and requests from regulators and law enforcement agencies.
• Ensure there is an effective system for the reporting of AML/CFT/CPF and code of conduct violations and investigation within the organization
• Ensure the organization is in compliance with applicable data privacy laws and regulations.
• Monitor regulatory changes, legislation, and industry trends to ensure the organization’s compliance with applicable laws and regulations.
• Provide timely and accurate updates to senior management and department heads regarding risks, opportunities and the impact of regulatory changes.
• Collaborate with legal and other departments to ensure the effective implementation of regulatory requirements.
• Oversee the preparation and submission of regulatory filings, reports, and communications to government agencies.
• Identify and assess risks related to regulatory compliance and develop mitigation strategies to address potential issues.
• Provide training and guidance on policy changes and regulatory requirements across the organization.
• Lead efforts to align internal processes, systems, and operations with legal and regulatory requirements.
• Support the development of internal audits, compliance and risk management frameworks to maintain compliance.

Requirements
Education:

• Bachelor’s degree in Public Policy, Law, Political Science, Business Administration, or a related field.
• A Master’s degree or equivalent in a relevant field is preferred.

General Experience
Technical Skills:

• In-depth knowledge of relevant regulations, laws, and compliance standards in the organization’s industry.
• Strong understanding of governmental processes, public policy, and regulatory frameworks.
• Expertise in managing relationships with regulatory bodies and other stakeholders.
• Proficiency in risk management, compliance systems, and reporting mechanisms.
• Certifications: Certifications in regulatory compliance, policy development, or public administration (e.g., Certified Regulatory Compliance Manager (CRCM), Certified in Governance, Risk, and Compliance (GRC), or similar) are a plus.

Experience:

• Candidates should have a minimum of 10 years of experience in policy, regulatory affairs, government relations, or related fields, with at least 5 years in a leadership position.
• Experience working with government agencies, industry bodies, and regulatory authorities.

Application Closing Date
31st January, 2026.

How to Apply
Interested and qualified candidates should send their CV to: recruitment@up-ng.com using the Job Title as the subject of the email.

Job Title: Head, Ethics and Compliance

Location: Nigeria
Employment Type: Full-time

Job Objectives

• The Head, Ethics & Compliance, ensures that ethical conduct is entrenched in the organization’s operations, ML/TF/PF risks are effectively managed and effective data protection measures have been implemented.

Duties and Responsibilities
Regulatory and Compliance Management:

• Contribute to the design and implementation of a Compliance program and Work with regulators and internal management to ensure the compliance program adheres to regulatory and compliance standards.
• Monitor compliance with the organization’s code of conduct and ensure it operates legally, ethically, and responsibly.
• Ensure there is an effective system for the reporting of AML/CFT/CPF and code of conduct violations and investigation within the organization.
• Ensure compliance with data privacy laws and regulations.
• Develop and facilitate compliance risk assessment training workshops for all stakeholders.
• Conduct regular ML/TF/PF risk assessments of the organization’s operations, products and services to identify and mitigate potential ML/TF/PF risks.
• Maintain an updated risk register, develop risk assessment reports for the approval of senior management and the Board.
• Develop mechanism, monitor and analyses ML/TF/PF emerging trends and typologies, ensuring that the organization have adequate preventive measures to protect its system from being used as a conduit for financial crimes.
• Collaborate with relevant departments to ensure that ML/TF/PF controls and mitigation measures are in place and effective.
• Engage in cross-functional responsibilities and performed other compliance functions as assigned by the Chief Compliance Officer CCO.

Requirements
Education:

• University Degree in Finance, Accountancy, Banking, Law or Financial Management Member of any of the following professional bodies is mandatory:
• Association of Certified Anti-money Laundering Specialists (ACAMS)
• International Compliance Association (ICA)
• Designate Compliance Professional (DCP)
• Certified Compliance & Ethics Professional (CCEP) Relevant professional certificate in risk management would be an added advantage

General Experience:

• Minimum of 10 years relevant Compliance and Audit experience, preferably in reputable financial institutions or in the payments industry.
• Solid working knowledge of financial services regulations with a strong understanding of the local regulatory administration.

Application Closing Date
31st January, 2026.

How to Apply
Interested and qualified candidates should send their CV to: recruitment@up-ng.com using the Job Title as the subject of the email.

Job Title: Scheme Regulatory Compliance Officer

Location: Nigeria
Employment Type: Full-time

Job Objectives

• To ensure the company’s activities within its operational schemes comply fully with relevant laws, regulations, and industry standards. This includes overseeing adherence to regulatory frameworks, addressing compliance risks, and working with regulators to maintain the integrity of scheme operations.

Duities and Responsibilities
Regulatory Compliance Management:

• Monitor and ensure compliance with regulatory requirements specific to the company’s schemes.
• Maintain up-to-date knowledge of all regulations and industry standards affecting scheme operations.
• Develop, implement, and review compliance frameworks to align with regulatory requirements.
• Prepare and submit regulatory reports, ensuring timely filings with relevant authorities.
• Conduct gap analyses to assess compliance with scheme regulations, identify deficiencies, and recommend improvements.
• Liaise with regulators to stay informed about policy changes and adjust the company’s compliance strategy accordingly.

Risk Management and Control:

• Identify, assess, and manage compliance risks related to scheme operations, implementing strategies to mitigate them.
• Conduct risk assessments to detect potential areas of non-compliance and develop management strategies.
• Collaborate with the Enterprise Risk Management team to integrate compliance risks into the overall company risk framework.
• Ensure the implementation of effective internal controls to minimize regulatory non-compliance risks.

Internal Audit and Reporting:

• Work with the internal audit team to conduct regular compliance audits on scheme operations and report findings to senior management.
• Maintain and monitor compliance documentation, ensuring records are accurate and up to date.
• Provide detailed reports to senior management on compliance status and regulatory issues impacting scheme operations.

Requirements
Educational Qualification:

• University Degree in Law, Finance, Risk Management, Business Administration, or a related field.

Experience:

• 2–4 years’ experience in regulatory compliance, risk management, or audit, preferably within financial services, payments, or related industries.
• Strong understanding of regulatory frameworks and industry standards governing schemes and payment systems.
• Experience working with regulatory authorities and managing reporting requirements.

Professional Memberships (Mandatory):

• Membership in relevant professional bodies such as the Association of Certified Compliance Professionals (ACCP), International Compliance Association (ICA), or other recognized certifications.

Application Closing Date
29th December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: rashidat.oke@up-ng.com using the Job Title as the subject of the email.

Job Title: Merchant Onboarding Officer

Location: Nigeria
Employment Type: Full-time

Job Description

• To oversee and manage the merchant onboarding process, ensuring all merchants meet Unified Payments’ risk managementstandards and regulatory requirements.
• This includes identifying potential risks, conducting due diligence, and ensuring merchants align with compliance, anti- money laundering (AML), and fraud prevention standards

Responsibilities
Merchant Risk Assessment & Due Diligence:

• Conduct comprehensive risk assessments for new merchants to evaluate financial stability, operational risks, and compliance with regulatory requirements.
• Ensure that the merchant onboarding processisin line with AML and Know Your Customer (KYC) regulations.
• Perform background checks and due diligence investigations to assess potential merchant risks.
• Review merchant documentation and contracts to ensure they meet regulatory, legal, and company standards. Compliance and Regulatory Management:
• Ensure that all merchants comply with internal policies, local regulations, and relevant industry standards.
• Work with regulatory authorities and internal stakeholders to ensure the merchant onboarding process adheres to compliance guidelines.

Ongoing Monitoring & Reporting:

• Conduct regular monitoring of onboarded merchants to ensure continuous adherence to compliance requirements and risk management practices.
• Prepare and present risk reports related to merchant onboarding for senior management and key stakeholders.
• Support the audit process by providing necessary documentation and reports for internal and external audits.

Stakeholder Engagement & Communication:

• Collaborate with cross-functional teams to ensure efficient merchant onboarding processes and risk management.
• Communicate with merchants regarding risk management requirements, ensuring a clear understanding of compliance expectations.
• Serve as a point of contact for merchant inquiries related to the onboarding process and risk management guidelines

Requirements

• Education: University Degree in Finance, Risk Management, Business Administration, or related field.
• Professional Memberships (Mandatory):Certified Risk and Compliance Management Professional (CRCMP) or equivalent is preferred.
• Certified Anti-money Laundering Specialist (ACAMS) or equivalent certification is an added advantage.

General Experience:

• A minimum of 2 years of relevant experience in risk management, merchant onboarding, or compliance roles, preferably within financial institutions or the payments industry.
• Strong understanding of AML, KYC regulations, and fraud prevention practices.
• Experience in conducting due diligence and risk assessments during the merchant onboarding process

Application Closing Date
29th December, 2025.

How to Apply
Interested and qualified candidates should send their CV to: rashidat.oke@up-ng.com using the Job Title as the subject of the email.