Compliance Analyst at Carbon Nigeria – Lagos (Hybrid)

Carbon Nigeria is recruiting a full-time, hybrid Compliance Analyst in Lagos, Nigeria, within its Legal and Compliance department.

The role combines hands-on anti-money laundering (AML), know-your-customer (KYC) and regulatory work with improvements to onboarding processes, monitoring rules and compliance technology. The analyst will work with Product, Engineering and Operations and contribute to the development of the company’s in-house AI compliance platform.

Performance will be assessed through timely and defensible decisions on alerts and reports, safe customer onboarding, meeting regulatory deadlines, and measurable improvements to team processes.

Key responsibilities

Monitoring and investigations

• Review daily transaction-monitoring alerts, investigate them and decide whether to clear, monitor or escalate each case.
• Prepare Suspicious Transaction Reports (STRs) and Currency Transaction Reports (CTRs).
• Conduct enhanced due diligence on high-risk customers and businesses, including politically exposed persons, and keep PEP and sanctions screening up to date.
• Manage account restrictions and their removal, including Post No Debit instructions, freezes and liens, while maintaining a clear audit trail.
• Prepare timely responses to requests from law enforcement agencies and regulators, including the EFCC, NFIU, Police and CBN.

KYC and onboarding

• Review KYC and KYB documentation for consumer and SME customers, including BVN, NIN, CAC documents, directors and beneficial owners.
• Work with Product, Engineering and Operations on onboarding processes that meet CBN tiered KYC rules while reducing friction for legitimate customers.
• Assess new products and features for compliance risk before launch and provide practical guidance.

Regulatory reporting

• Prepare and track regulatory returns against the reporting calendar, including credit bureau submissions, and follow up outstanding failures.
• Support CBN examinations and internal and external audits.

Compliance tooling and AI

• Help improve the in-house AI compliance platform by testing its recommendations, recording decisions, identifying errors and refining its rules and instructions.
• Use data to improve monitoring rules, reduce false alerts and identify patterns that existing rules miss.
• Identify repetitive manual tasks and automate them.
• Track alert volumes, decision times, STR turnaround and backlogs.

Internal support and training

• Manage compliance queries and escalations from internal teams through the Compliance help-desk.
• Log, track and record cases within agreed service levels, escalating where necessary.
• Provide day-to-day compliance guidance in line with policies and regulations.
• Assist with staff training and awareness programmes.

Requirements

• A Bachelor’s degree in Law, Accounting, Finance, Economics, Computer Science or a related field.
• Two to four years of experience in compliance, AML, KYC, fraud or risk at a bank, microfinance bank, fintech or payments company in Nigeria.
• Working knowledge of the Money Laundering (Prevention and Prohibition) Act 2022, CBN AML/CFT regulations, tiered KYC rules and NFIU reporting.
• Hands-on experience investigating alerts and preparing STRs.
• Strong analytical skills and confidence working with large datasets in Excel or Google Sheets.
• Clear, precise writing and the ability to turn complex cases into concise, defensible narratives.
• High integrity and sound judgement when handling confidential information.
• Evidence of initiative and improvements delivered independently.
• Regular use of AI tools such as ChatGPT or Claude and genuine curiosity about applying them to compliance work.

Additional experience that would be an advantage

• SQL, Python or other scripting skills.
• A DCP, CAMS (ACAMS), ICA, CIBN or CCEP certification, or progress towards one.
• Experience with transaction-monitoring or case-management systems, or automation tools such as Retool, Zapier or Apps Script.
• Experience working with product or engineering teams on features, requirements or user-flow testing.
• Experience with SME onboarding (KYB) or lending.