In the world of Fintech and international money transfers, trust is the only currency that matters more than Dollars or Naira. SmartSend is on a mission to make sure every Kobo sent by Africans in the Diaspora reaches home safely and they need a sharp Compliance Officer to keep things airtight. If you have that eagle eye for spotting suspicious transactions and you know the internal workings of AML/CTF regulations like the back of your hand, this remote role is your chance to shine. Working from the comfort of your home in Nigeria while managing compliance for a brand licensed in the USA and Canada is a major level up for any serious risk professional. If you are ready to be the shield that protects this fast growing remittance brand from regulatory problem, then this is the call you’ve been waiting for.
Job Summary
- Job Title: Compliance Officer
- Company: SmartSend
- Location: Remote (Must reside in Nigeria)
- Employment Type: Full-time
- Application Closing Date: 18 March, 2026.
About SmartSend
SmartSend is dedicated to transforming the remittance landscape for Nigerians and Africans in the Diaspora. Our mission is to provide a reliable, fast, and cost-effective solution for money transfers. As a licensed Money Services Business (MSB) operating in Canada, the USA, and Nigeria, we prioritize the safety and security of our customers' funds. We leverage cutting edge technology to ensure that every transfer is a seamless experience, supporting families and communities across borders.
Role Overview
The Compliance Officer will be the tactical lead for SmartSend’s regulatory and risk monitoring efforts. In this role you are the technical anchor for our compliance operations across multiple borders, ensuring we follow all AML/CTF rules to keep our licenses in good standing. You will handle the daily monitoring of transactions, ensure KYC documentation is sharp and coordinate with IT and Management to prevent any form of financial crime. It is a high responsibility position that requires you to stay ahead of regulatory changes while maintaining the highest level of integrity from your remote base in Nigeria.
Key Responsibilities
Compliance & Regulatory Monitoring:
- Implement and maintain AML/CTF policies and internal controls in line with Nigerian and international monetary regulations.
- Monitor changes in the regulatory landscape and recommend necessary updates to internal processes.
- Conduct periodic compliance risk assessments and control testing to ensure everything is "correct."
AML & Transaction Monitoring:
- Review daily transactions to investigate and flag suspicious or unusual activities.
- Support the preparation and filing of Suspicious Transaction Reports (STRs) to the relevant authorities within regulatory timelines.
- Oversee the onboarding process, including KYC (Know Your Customer), CDD, and sanctions screening.
Internal Controls & Reporting:
- Investigate compliance breaches or policy violations and follow up on audit findings.
- Maintain accurate compliance registers, incident logs, and risk trackers.
- Prepare detailed compliance reports for management and regulatory bodies.
- Promote a strong compliance culture through staff training and awareness programs.
Requirements / Qualifications
- Must have a Bachelor’s Degree in Law, Accounting, Finance, Business Administration, or a related field.
- 3 - 5 years of hands-on experience in compliance, AML, or risk management within the Fintech or Banking sector.
- Professional certifications such as CAMS, CFE, ICAN, or ACCA will give you a massive leg up.
- Deep practical knowledge of transaction monitoring tools and regulatory reporting.
- Exceptional investigative and documentation skills with a high level of accuracy.
- Applicants must be resident in Nigeria despite the role being remote.
Benefit of Applying
- Enjoy a full-time work from home setup while building a global career.
- Gain experience with international compliance standards across Nigeria, USA, and Canada.
- Join a leading edge Fintech brand that is actively transforming the African remittance landscape.
- Build elite expertise in AML/CTF and risk mitigation within a highly regulated sector.
- Work with an innovative, compliance-driven team that values integrity and professional ethics.
How to Apply
If you have the required experience and a high level of integrity, follow the steps below to join the SmartSend team.
Interested and qualified candidates should send their CV and a brief cover letter explaining why they are a great fit to: careers@smartsendfinance.com and use Compliance Officer – Nigeria as Subject line
Note: Ensure your cover letter highlights your experience with international AML standards. Applications close on 18 March, 2026. Only candidates who meet the 3-year minimum experience mark will be contacted.
Editorial: Insight for Fintech Compliance Professionals
In the new age of Fintech, a Compliance Officer is not just a checker but a strategic guardian. SmartSend operates across three different jurisdictions (Nigeria, Canada, and USA), which means you need to be versatile. Recruiters are looking for someone who doesn't just know the CBN guidelines but can also wrap their head around international AML/CTF frameworks.
When applying, make sure your CV highlights your experience with Transaction Monitoring software. If you have successfully handled a Regulatory Audit in the past, don't hide it, show it. Being a Remote role, they will also value candidates who can show they are self disciplined and can manage high stakes tasks without constant follow-up.
Important Notice
A legitimate global firm like SmartSend has a transparent and free recruitment process. If anyone asks you for a kobo to facilitate your remote onboarding, it is a scam. Your 3-5 years of experience and your professional integrity are your only valid credentials. Apply safely.
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