Regulatory Compliance
- Ensure full compliance with national and international financial regulations, including DAB (Da Afghanistan Bank) requirements, AML/CFT laws, and Payment Institution guidelines.
- Develop and maintain robust compliance frameworks, including internal policies, codes of conduct, and control procedures.
- Lead regulatory filings, licensing obligations, audits, and inspections.
- Serve as the primary liaison with financial regulators and external auditors.
Risk Management
- Design and implement an enterprise risk management (ERM) strategy covering operational, financial, technological, credit, fraud, reputational, and strategic risks.
- Conduct risk assessments, scenario analysis, and stress testing.
- Establish a real-time risk monitoring system and regularly update the risk register and heat maps.
- Oversee implementation of the Risk Control Self-Assessment (RCSA) process.
Governance and Reporting
- Lead the compliance and risk governance function across the organization.
- Report regularly to the Board and Risk & Compliance Committees on risk exposure, mitigation plans, and compliance breaches.
- Ensure incident management, reporting protocols, and escalation processes are in place.
AML/CFT and Data Protection
- Serve as the designated AML Compliance Officer.
- Lead the development and enforcement of KYC, transaction monitoring, suspicious activity reporting, and sanctions screening systems.
- Oversee data privacy compliance under local and international laws
Internal Controls and Training
- Promote a culture of integrity, transparency, and accountability across the organization.
- Implement internal control testing and continuous monitoring procedures.
- Deliver training and awareness programs for employees on compliance, ethics, and risk topics.
Qualifications:
- Education & Experience
- Bachelor’s or Master’s degree in Law, Finance, Risk Management, or related field ( MBA, LLM preferred).
- Professional certifications: CAMS, CISA, CIA, CRISC, or equivalent.
- Minimum 7–10 years of experience in compliance, risk management, or audit within the financial services sector, with at least 3 years in a leadership role.
Skills & Competencies
- Deep knowledge of payment systems, fintech regulations, AML/CFT laws, and cybersecurity risk.
- Strong analytical, investigative, and decision-making skills.
- Experience with regulatory interaction, inspections, and enforcement matters.
- Excellent written and verbal communication skills, including report writing and policy drafting.
- High ethical standards and attention to detail.
Preferred Experience:
- Regulatory compliance in emerging markets, particularly Afghanistan or similar jurisdictions.
- Setting up risk and compliance functions from scratch in early-stage fintech or digital payment institutions.
- Familiarity with DAB licensing, reporting requirements, and inspections.
Please indicate job title and Location in the subject line.
and send your CVs to: hr@zood-pay.com
Zood Pay telecom services company is started its business activity on 2023 by a dedicated & creative mind afghan investors to serve the B2B, B2C, C2C models for MNOs prepaid electronic mobile top up (5 in 1) distribution across the country. Zood Pay platform is developed and managed by experienced team of business acumen and experts in telecom product and services distribution & fintech industry. The Zood Pay platform built-in advanced features are well-crafted and developed to fulfill the merchants need for a flexible and trusted platform to strategically secure their investments and afford a healthy ROI overtime. Vision: Innovation, Creativity, Security, The Zood Pay platform with multiple access channel offers the most secure and instant prepaid mobile recharge sales and bundle activation services for MNOs customers within the country and oversees. Mission Statement: To become the leading and on-demand electronic mobile top up distribution platform for merchants & customers globally. Zood Pay is built on the basis of the merchants & customers feedbacks results to enable all the target users a full-fledged mobile top up distribution platform with the mindset of on-going development and collaboration.