Due Diligence Compliance Specialist

• The Due Diligence Compliance Specialist is responsible for conducting robust due diligence across all Mukuru customer types, including individual customers, enterprise clients, vendors, service providers, and group partnerships.
• You will play a vital part in ensuring Mukuru maintains the highest standards of compliance, integrity, and risk management and support the maintenance of due diligence policies, processes, and related frameworks.
• Reporting directly to the Head of Financial Crime, you will work closely with business teams, Anti-Money Laundering Compliance Officers (AMLCOs), and other key stakeholders across the group.

Key Responsibilities:

Customer & Business Engagement

• Support the business with the customer onboarding process by means of process introduction, walkthroughs, and guidance.

Document Collection & Verification

• Gather, review, and validate KYC (Know Your Customer) documents, corporate records, company registration documents, licensing documentation, financial statements, and other relevant materials, depending on the customer type.

Due Diligence Checks

• Verify the identity, ownership, and legitimacy of new customers and partners.
• Conduct thorough due diligence to assess AML/CFT, legal, financial, operational, and reputational risks.

Regulatory Compliance & Internal Standards

• Ensure all activities comply with Mukuru’s internal policies, as well as local and international KYC, AML/CFT standards and regulations.

Cross-Functional Collaboration

• Work closely with compliance, legal, risk, operations, customer support teams, and in-country AMLCOs to address queries, resolve escalations, and support informed business decisions.

Risk Assessment & Research

• Use internal systems, processes, databases, and open-source tools to research and assess customer risk profiles, identifying any adverse media, sanctions exposure, financial crime, reputational risk concerns.

Reporting & Record Management

• Maintain clear, accurate, and up-to-date records of all due diligence activities; prepare concise reports for internal decision-making, audits, and regulatory needs.
• Conducting Ongoing Due Diligence, Customer Refreshers & Monitoring
• Perform regular reviews and refreshers on existing customers to ensure continued compliance and to capture any changes in risk profile, ownership, operations, or regulatory standing. Monitor existing relationships for material changes, suspicious activity, or emerging risks.

Key Requirements:

• Grade 12 (Essential).
• Bachelor’s degree in law, business, finance, or related field (Preferred).
• 2-3 years AML/CFT and Compliance Due Diligence experience (Essential)
• ACAMS graduate or willingness to pursue ACAMS qualification (Preferred)
• Strong understanding of KYC, AML, CTF, and related financial crime regulations (both local and international).
• Proven experience conducting due diligence on a variety of customer types, including individuals, businesses, and institutional clients.
• Knowledge of company registration documents, licensing documentation, and other relevant supporting information required for thorough institutional and enterprise due diligence.
• Solid analytical skills with the ability to interpret complex information, assess risks, and recommend actions.
• Excellent written and verbal communication skills, with confidence engaging diverse stakeholders.
• Strong attention to detail, accuracy, and a commitment to maintaining confidentiality.
• Familiarity with due diligence tools, databases, and software platforms.
• Ability to manage multiple tasks, meet deadlines, and work both independently and as part of a team.