Compliance Officer - Ghana

As a Compliance Officer at dLocal in Ghana, your primary responsibilities will include managing the Know Your Customer (KYC) onboarding process, ensuring compliance with AML/CFT regulations, and enhancing transaction monitoring systems. You'll serve as the main point of contact for compliance issues, interpret regulatory changes, and conduct regular risk assessments to ensure adherence to the Ghanian regulatory framework. This role requires strong analytical skills and an understanding of both local and international compliance standards.

To qualify for the Compliance Officer role at dLocal in Ghana, candidates should possess a Bachelor's degree in a relevant field, along with essential certifications like CAMS, ACAMS or ICA. Additionally, four to six years of legal experience in compliance-related roles within the banking or fintech sector is essential, with a solid grasp of KYC processes, transaction monitoring, and the local regulatory framework governing payments in Ghana.

At dLocal, Compliance Officers receive robust support for professional growth through access to learning and development resources, including a Premium Coursera subscription. There's also a culture of continuous improvement and knowledge sharing, ensuring that you stay abreast of the latest developments in compliance and regulatory frameworks in Ghana. Additionally, we foster a collaborative work environment that encourages sharing insights and best practices among team members.

The work culture at dLocal is remote-first and highly collaborative, making it advantageous for a Compliance Officer in Ghana. You’ll work with a diverse team from over 30 different nationalities, enhancing your global perspective on compliance issues. There’s a flexible schedule tailored towards performance, which allows you to maintain a healthy work-life balance. Moreover, the emphasis on teamwork and communication encourages compliance professionals to share their insights, fostering an environment where compliance best practices thrive.

A Compliance Officer at dLocal in Ghana may face challenges such as staying updated with the rapidly evolving regulatory landscape, implementing compliance measures tailored to local requirements, and addressing the complexities of transaction monitoring in a dynamic market. Furthermore, managing relationships with regulators and ensuring effective communication within the organization regarding compliance matters can require adept interpersonal skills and proactive problem-solving capabilities.

The KYC onboarding process involves verifying the identity of new customers and assessing associated risks. It requires collecting personal information, validating identities through documentation, and ensuring compliance with relevant laws. When answering, emphasize your experience with KYC procedures and any specific tools you’ve utilized.

Transaction monitoring is vital to identifying unusual activities. Describe your methodical approach, such as using automated systems, defining key indicators of suspicious behavior, and conducting regular assessments. Provide examples of how you've successfully detected and reported suspicious transactions in past roles.

AML regulations aim to prevent money laundering activities, while CFT focuses on preventing the financing of terrorism. Highlight your knowledge of local and international regulations, the importance of robust risk assessments, and policy enforcement in your previous positions.

I stay updated through continuous professional education, attending industry conferences, and subscribing to regulatory newsletters. Mention your proactive approach to sharing these updates with your team to ensure everyone is informed and compliant.

Provide a specific example where you identified a compliance issue, the actions you took to address it, and the outcome. Focus on your analytical and problem-solving skills and your ability to collaborate with stakeholders to resolve the situation.

Effective communication is crucial in compliance roles for conveying policies and fostering a culture of compliance awareness. Discuss how you ensure clear communication with colleagues and external stakeholders, and highlight any training sessions you’ve conducted.

Prioritizing tasks is essential in compliance, especially when dealing with multiple deadlines. Explain your method of assessing risks and deadlines, as well as leveraging tools for task management to ensure timely completion of critical compliance functions.

Share your experiences in liaising with regulatory bodies, providing oversight in respective compliance matters, and fostering positive relationships. Highlight instances where your engagements led to favorable outcomes for compliance initiatives.

Training staff on compliance policies involves clear communication and engagement strategies. Describe your approach to creating engaging training sessions that not only disseminate information but also encourage inquiries and interactions.

Express your enthusiasm for the company’s mission to simplify payments in emerging markets. Discuss how dLocal’s values align with your own, particularly in terms of collaboration, innovation, and the opportunity to impact global payment solutions positively.