Risk & Compliance Analyst

Job Description

KhlasPay operates at the intersection of payments, advisory, and regulatory compliance across Morocco, Africa, and Europe. We're looking for a Risk & Compliance Analyst to help maintain the integrity of our merchant portfolio and ensure we meet all applicable regulatory standards.

This role is ideal for someone analytical, detail-oriented, and passionate about building robust compliance frameworks in a fast-moving fintech environment.

What you will be doing:

Risk Monitoring:

• Monitor merchant transaction activity for signs of fraud, AML risk, or policy violations.
• Conduct periodic merchant reviews and risk assessments.
• Escalate high-risk cases to senior compliance staff and PSP partners.

Regulatory Compliance:

• Support compliance with Bank Al-Maghrib and relevant international regulatory frameworks.
• Maintain up-to-date knowledge of payment regulations across Morocco, Africa, and Europe.
• Assist with regulatory reporting, record-keeping, and audit preparation.

Due Diligence:

• Conduct KYC/KYB due diligence on new and existing merchants.
• Verify documentation and flag discrepancies for review.
• Support the onboarding team with compliance screening and approval processes.

GENERAL KNOWLEDGE, SKILLS & ABILITIES

• Bachelor's degree in Law, Finance, Business or a related field.
• 2+ years of experience in risk, compliance, or fraud within payments, banking, or fintech.
• Knowledge of AML, KYC/KYB, and payment compliance frameworks.
• Strong analytical skills and high attention to detail.
• Proficiency in French and/or English; Arabic a plus.
• Ability to work independently and manage multiple priorities.

What we offer you

• Competitive salary and performance-based incentives.
• Remote-friendly, international work environment.
• Direct exposure to Morocco's fast-growing payments ecosystem.
• Opportunity to shape processes from the ground up at a high-growth fintech.