AML Compliance Officer

You will serve as the local AML compliance lead and money laundering reporting officer for Yellow Card Zimbabwe. You will advise on Zimbabwean AML requirements, work with regulators and partners, implement and maintain the AML program, investigate transaction-monitoring alerts, support suspicious transaction reporting, and operate KYC, sanctions, and Travel Rule processes. You will also deliver training, contribute to governance reporting, and track regulatory developments.

Responsibilities

• Advise on Zimbabwean AML law, FIU guidance, sanctions, and counter-terrorist financing requirements
• Provide guidance to the Group MLRO on local AML obligations and VASP requirements
• Translate regulatory developments into actionable advice for internal stakeholders
• Build and maintain relationships with the FIU, regulators, banking partners, and payment partners
• Act as the resident compliance contact for registration, reporting, inspections, renewals, and information requests
• Support the design, implementation, and improvement of the AML program
• Maintain AML policies, procedures, risk assessments, customer risk-rating methodology, and documentation
• Review and resolve transaction-monitoring alerts and escalate suspicious activity
• Conduct enhanced due diligence, including on-chain analytics and source-of-funds and source-of-wealth assessments
• Prepare and support suspicious transaction reports to the FIU
• Support KYC onboarding and periodic reviews
• Operate sanctions and PEP screening and resolve potential matches
• Implement and operate Travel Rule processes for virtual asset transfers
• Deliver AML, sanctions, and crypto-risk training
• Prepare governance and reporting materials for regulators, audits, the Board, and committees
• Track regulatory developments and maintain AML management information and metrics

Requirements

• Bachelor's degree in law, finance, accounting, economics, business, or a related field
• One to three years of hands-on AML, financial crime, or compliance experience in a regulated financial-services organization
• Working knowledge of Zimbabwean AML laws, VASP registration requirements, FIU reporting obligations, and FATF standards
• Experience with crypto or digital assets, VASP risks, blockchain analytics, wallet screening, and Travel Rule implementation
• ACAMS Certified Anti-Money Laundering Specialist (CAMS) certification
• Business-level written and spoken English
• Zimbabwe residency and the right to work in Zimbabwe

Benefits

• Health coverage
• Stock option plan for full-time employees
• Fully remote work environment
• Mental health support services
• Continued education and certification renewal support