Deputy Compliance Officer

Mobile Money Guyana (MMG) is seeking a capable and motivated Deputy Compliance Officer to support the execution and continuous improvement of its Anti-Money Laundering (AML), Countering the Financing of Terrorism (CFT), Countering the Proliferation Financing (CPF), and Anti-Fraud programs. This role combines operational responsibilities with oversight functions and requires an individual who can independently manage investigations, analyze transaction activity, assess financial crime risks, and support regulatory compliance requirements.

The successful candidate will actively conduct complex investigations, provide guidance to AML and Fraud Analysts, support regulatory reporting, and deputize for the AML Compliance Officer when required. This position is ideal for an experienced compliance professional who is analytical, detail-oriented, and capable of making sound decisions in a fast-paced financial services environment.

• Bachelor’s degree in finance, Business Administration, Law, Accounting, or a related field.

• Minimum of five (5) years' experience in Compliance, AML/CFT, Fraud Investigations, Risk Management, or a related field.

• Professional certification in AML/CFT, Financial Crime Compliance, or Fraud Prevention (e.g., CAMS) is preferred.

• Experience within financial services, fintech, banking, telecommunications, or payment systems is strongly preferred.

• Strong knowledge of AML/CFT/CPF regulations, industry standards, and best practices.

• Excellent analytical, investigative, and report-writing skills.

• Strong verbal and written communication skills.

• Ability to work independently and exercise sound judgment.

• Proficiency in Microsoft Office applications and compliance monitoring tools.

• Experience using data analytics and technology solutions to support compliance functions is an asset.

  Working Conditions

  • Office-based position located at MMG Headquarters.

  • Collaborative and fast-paced compliance environment.

  • Requires balancing investigative responsibilities with operational oversight duties.

  • Occasional travel may be required for meetings, training, and regulatory engagements.

  • May require extended working hours, including weekends, to address urgent compliance, regulatory, or fraud-related matters.

  • Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the role.

• Conduct investigations into suspicious transactions, potential money laundering, terrorist financing, and fraud-related activities.

• Lead complex and high-risk investigations, including transaction tracing and detailed data analysis.

• Identify patterns of suspicious activity, including structuring, rapid fund movement, unusual wallet activity, and coordinated account behavior.

• Maintain complete and accurate investigation files in accordance with internal policies and regulatory requirements.

• Ensure all investigative findings are evidence-based, documented, and escalated appropriately.

  Act as the Compliance Officer during periods of absence, including authority to:

  • Approve and file Suspicious Transaction Reports (STRs)

  • Oversee compliance operations

  • Engage with regulatory authorities as required

• Support regulatory examinations, audits, and compliance reviews.

• Provide day-to-day guidance and oversight to AML and Fraud Analysts.

• Assist with case assignments, prioritization, and workflow management.

• Review investigation outcomes and provide quality assurance feedback.

• Support operational activities during periods of increased workload

Regulatory Reporting

• Assist in preparing and submitting regulatory reports to the Bank of Guyana and other relevant authorities.

• Ensure all reporting obligations are completed accurately and within established deadlines.

• Maintain records of investigations, internal escalations, and regulatory submissions.

• Support ongoing compliance with AML/CFT/CPF regulations and internal policies.

Transaction Monitoring & Data Analysis

• Analyze transaction activity to identify emerging risks, suspicious trends, and anomalies.

• Support enhancements to transaction monitoring scenarios, thresholds, and alert management processes.

• Develop and document financial crime typologies, red flags, and risk indicators.

• Monitor compliance metrics and prepare reports on compliance performance.

• Recommend corrective actions to address identified risks and control gaps

Agent & Merchant Risk Oversight

• Monitor activity across MMG's agent and merchant network to identify:

  • Unusual cash-in and cash-out activity

  • High-volume or coordinated wallet transactions

  • Potential misuse of services for layering or illicit fund movement

• Assist with the implementation and monitoring of controls to mitigate identified risks.

• Support risk assessments relating to agents, merchants, and customer activity.

Policy, Risk & Program Support

• Support the development, review, and implementation of compliance policies, procedures, and controls.

• Conduct customer screening and due diligence reviews where required.

• Verify customer information and supporting documentation.

• Identify and escalate compliance concerns and potential regulatory breaches.

• Assist with ongoing enhancements to MMG's compliance framework

 Training & Awareness

• Support the delivery of AML/CFT and fraud awareness training programs.

• Provide guidance to employees on identifying and escalating suspicious activities.

• Promote a strong culture of compliance throughout the organization.

Collaboration

• Work closely with internal departments to support compliance initiatives and investigations.

• Provide subject matter expertise on compliance-related matters.

• Participate in cross-functional projects and meetings as required.

• Support a diverse, inclusive, and respectful workplace environment.

• Perform additional duties as assigned by management.