Compliance Officer / MLRO- Senegal

dLocal

Contract type

Ongoing

Work mode

Remote · Senegal

Experience

Senior · 5+ years

Job description

Compliance Officer based in Senegal responsible for KYC onboarding, transaction monitoring, AML/CFT compliance, regulatory relationships and reporting for dLocal's operations in the WAEMU/BCEAO zone.

At a glance

Work mode: Remote · Senegal
Languages: French – fluent, English, Wolof

What you'll do

Oversee and manage the Know Your Customer (KYC) onboarding process for new customers and update existing ones across Senegal
Ensure compliance with local and international regulatory requirements related to customer identification and verification, including BCEAO and CENTIF directives
Implement and enhance transaction monitoring systems to detect and report suspicious activities within the Senegalese context
Conduct periodic reviews and assessments to ensure the effectiveness of transaction monitoring processes
Serve as the primary point of contact for AML/CFT matters in Senegal
Develop and enforce AML/CFT policies and procedures tailored to the Senegalese regulatory environment
Stay abreast of the regulatory landscape governing the payments and financial services industry in Senegal and the wider WAEMU/ECOWAS zone
Interpret and communicate regulatory changes, especially those related to AML/CFT requirements, to relevant stakeholders within the organisation
Establish and maintain strong relationships with Senegalese regulators, including the BCEAO, Ministry of Finance, CENTIF, and ARTP (for mobile money services)
Develop and implement compliance procedures specific to domestic and cross-border remittances in Senegal, including key corridors such as West Africa–Europe and intra-ECOWAS transfers
Ensure adherence to regulatory requirements governing remittance services in the Senegalese market, with particular attention to diaspora and family remittance flows
Conduct regular risk assessments to identify and mitigate potential compliance risks within the Senegalese and WAEMU context
Collaborate with other departments to implement risk mitigation strategies
Report findings and compliance matters related to AML/CFT to different stakeholders in a clear and understandable manner
Ensure timely and accurate reporting to internal and external stakeholders as required by Senegalese regulations, including suspicious activity reports to CENTIF and BCEAO regulatory filings
Provide training to staff on compliance policies, procedures, and regulatory requirements, with a specific focus on AML/CFT in the Senegalese market
Foster a culture of compliance awareness within the organisation

What we're looking for

Bachelor's degree or higher in Law, Finance, Economics, or a related field
Professional certifications are a must: CAMS, ACAMS, ICA, or an equivalent qualification recognised in Francophone Africa
4–6 years of experience in a compliance role within the banking, fintech, or financial services sector
Proven experience in compliance related to payments, remittances, and mobile financial services (mobile money, Wave, Orange Money, etc.)
Hands-on experience in building or implementing compliance-related automations (e.g., workflows, alerts, reporting systems)
In-depth knowledge of KYC processes, transaction monitoring, and AML/CFT regulations in Senegal and the WAEMU zone
Familiarity with the regulatory frameworks applicable to payment services in Senegal, including BCEAO regulations on electronic money institutions
Understanding of the specific dynamics of international remittance corridors into West Africa
Strong analytical and problem-solving skills
Excellent interpersonal skills and ability to work in a multicultural, international environment
Fluency in French is required
Ability to collaborate effectively with global teams in a remote-first environment

Nice to have

A degree from a Senegalese or WAEMU-region institution is an advantage
Exposure to the WAEMU/ECOWAS region
Experience engaging with Senegalese regulators (BCEAO, CENTIF, ARTP) and maintaining positive working relationships is highly desirable
Proficiency in English is a significant advantage
Knowledge of Wolof or another local language is appreciated

Benefits

Flexibility in how you work: focus on impact and productivity over fixed hours; flexible schedules and, depending on role and location, self-managed focus time combined with moments of in-person connection in collaboration hubs

Fintech industry: work in a dynamic and ever-evolving environment
Referral bonus program
Work From Anywhere: team members can work while traveling for up to 3 months every year
Tailored benefits for each country

How to get hired

1Talent Acquisition team reviews your CV and keeps you posted by email at every step of the process

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About dLocal

The financial infrastructure powering global commerce in the world's fastest-growing markets

dLocal is the financial infrastructure powering global commerce in the world's fastest-growing markets. The biggest companies in the world trust us to unlock growth in 60+ countries across emerging markets. We don't just process payments; we are architects of payment ecosystems and partners in our customers' expansion.

Key facts

1,300+ teammates
Financial infrastructure / payments
Operates in 60+ countries across emerging markets
1,300+ teammates from 40+ nationalities