Risk & Compliance Manager

2026-09-09 Kabul Full Time 17

Job Location:	Kabul
Nationality:	National
Category:	Banking
Employment Type:	Full Time
Salary:	Organization Salary Scale
Vacancy Number:	GP/EAD/52
No. Of Jobs:	1
City:	Kabul

Organization:	Ghazanfar Pay
Years of Experience:	4 - 5 years
Contract Duration:	Permanent
Gender:	Male
Education:	Bachelor's Degree
Close date:	2026-09-09

About Ghazanfar Pay:

Ghazanfar Pay is establish as a newly Electronic Money Institution (EMI) and a proud subsidiary of Ghazanfar Bank, one of Afghanistan’s leading and most trusted financial institutions, built on a vision to revolutionize the way people transfer and manage money, Ghazanfar Pay aims to become the leading digital financial services provider in Afghanistan and the region. The company is committed to financial inclusion, bringing secure, affordable, and innovative electronic payment solutions to individuals, businesses, and communities. As a forward-looking financial technology company, Ghazanfar Pay will play a vital role in driving digital transformation in Afghanistan’s financial sector, promoting trust, transparency, and accessibility for all.

Job Descriptions:

Risk Management

Develop, implement, and maintain the Enterprise Risk Management (ERM) framework.
Identify, assess, monitor, and report operational, financial, strategic, technology, liquidity, fraud, and reputational risks.
Maintain the corporate risk register and monitor risk mitigation plans.
Conduct periodic risk assessments across all business units.
Promote a risk-aware culture throughout the organization.

Compliance Management

Ensure compliance with Da Afghanistan Bank regulations, EMI licensing requirements, and applicable laws.
Develop and maintain compliance policies, procedures, and internal controls.
Monitor compliance with internal policies and regulatory obligations.
Coordinate regulatory reporting and compliance reviews.
Serve as the primary point of contact for regulatory compliance matters.

AML/CFT & KYC Oversight

Develop and oversee the implementation of AML/CFT and KYC policies and procedures.
Monitor suspicious transactions and ensure timely reporting to the relevant authorities.
Conduct customer and agent due diligence reviews.
Ensure ongoing sanctions screening and transaction monitoring.
Coordinate AML/CFT training and awareness programs.

Internal Controls

Design and evaluate internal control systems.
Conduct compliance monitoring and control testing.
Recommend corrective actions to address control weaknesses.
Monitor implementation of corrective action plans.

Risk Monitoring and Reporting

Prepare periodic risk and compliance reports for Executive Management and the Board.
Report significant risk exposures, compliance breaches, and emerging risks.
Develop and monitor Key Risk Indicators (KRIs) and compliance metrics.

Policy Development

Develop, review, and update risk management, compliance, AML/CFT, KYC, fraud prevention, and operational policies.
Ensure policies remain aligned with regulatory changes and industry best practices.

Training and Awareness

Conduct risk, compliance, and AML/CFT training for employees, branch staff, and agents.
Promote awareness of regulatory obligations and ethical business practices.
Support departments in implementing effective risk management practices.

Job Requirements:

Qualifications:

Bachelor's degree in Finance, Banking, Accounting, Business Administration, Economics, Risk Management, or a related field.
Master's degree or professional certification (CAMS, CISA, CRMA, CIA, FRM, or equivalent) is an advantage.
Minimum of 5 years of professional experience in banking, Electronic Money Institutions (EMIs), fintech, or financial services in risk management, compliance, AML/CFT, or internal audit.
Experience working with financial sector regulatory requirements and governance frameworks.

Core Competencies:

Excellent report writing and presentation skills.
Strong leadership and stakeholder management abilities.
High level of integrity and confidentiality.
Excellent communication and problem-solving skills.
Fluency in English; knowledge of Dari and Pashto is highly desirable.
Enterprise Risk Management
Regulatory Compliance
AML/CFT and KYC Compliance
Fraud Risk Management
Internal Controls
Corporate Governance
Risk Assessment and Analysis
Regulatory Reporting
Policy Development
Strategic Planning

Submission Guidelines:

Applicants who meet the above requirements are invited to submit their updated Curriculum Vitae (CV) or Resume to sr.recruitment-officer@ghazanfarbank.com. Please ensure that you include the position title and vacancy announcement number in the email subject line. Applications that do not follow this format will not be considered.

Note: Shortlisted candidates will be contacted for further recruitment processes.