Junior Onboarding Compliance Analyst

Meet Ozow

Ozow is a leading fintech company that's redefining digital payments in South Africa and beyond. We're dedicated to making payments more accessible, secure, and convenient for both businesses and consumers. As a fast-growing player in the financial technology sector, Ozow fosters a culture of innovation, diversity, and inclusivity. We believe in pushing the boundaries of what's possible and are committed to making a positive impact on the world through our payment solutions. 

More about this Ozow fantastic position  

As a Junior Onboarding Compliance Analyst at Ozow, you will play a crucial role in ensuring a seamless onboarding experience for our merchants, compliance with regulatory requirements, and mitigating financial risks associated with our fast-paced fintech payments operations. You will be responsible for conducting in-depth customer and merchant due diligence, verifying customer identities, and monitoring ongoing merchant relationships to maintain the integrity of our platform. This role requires a keen eye for detail, strong analytical skills, and the ability to work in a dynamic and rapidly evolving industry. 

Your role and responsibilities 

Onboarding 

• Manage the end-to-end onboarding process for new merchants, ensuring all necessary documentation and information are collected and verified. 

Customer Due Diligence (CDD) 

• Conduct comprehensive KYC reviews of new customers and merchants to verify their identities and assess the level of risk they pose to the company. 
• Review and analyze customer and merchant-provided documentation, including identification, financial records, and business documentation. 

Enhanced Due Diligence (EDD) 

• Identify high-risk customers and merchants and perform enhanced due diligence in accordance with regulatory guidelines across Ozow’s various products. 
• Investigate and document the source of funds and purpose of transactions for high-value or suspicious activities. 

Regulatory Compliance

• Stay up-to-date with evolving regulations and ensure that Ozow's KYC procedures are in compliance with relevant laws and guidelines. 
• Assist in developing and implementing KYC policies, procedures, and training programs for employees. 

Ongoing Monitoring

• Continuously monitor customer behaviour and profiles to detect and report any suspicious or unusual activity. 
• Conduct reviews and updates of customer and merchant information to ensure accuracy and compliance. 

Risk Assessment

• Assess and assign risk ratings to merchants based on their profiles and activities. 
• Report any significant risks or potential breaches to the Compliance team and management. 

Reporting

• Prepare and submit reports to the Head of Legal and management broadly as required. 
• Collaborate with internal teams to provide insights and data related to KYC activities. 

Customer and Merchant Communication

• Communicate with customers and merchants to request additional information or clarification when necessary. 
• Timeously handle customer inquiries related to KYC processes and compliance. 

Technology Utilization

• Utilize KYC software tools and databases to facilitate efficient customer verification and monitoring. 

Requirements: 

• A bachelor’s degree in law, finance, business, or a related field. 
• Minimum of 1 to 2 years of experience in KYC/AML compliance in the fintech, banking, or financial services industry. 
• Knowledge of regulatory requirements specific to card acquiring and payment processing. 
• Strong understanding of KYC/AML regulations and industry best practices. 
• Proficiency in using KYC software and databases. 
• Excellent analytical and investigative skills with a sharp attention to detail. 
• Strong communication and interpersonal skills to interact effectively with customers, merchants and internal teams. 
• Ability to work in a fast-paced and dynamic environment, adapting to changing priorities and requirements. 
• Commitment to maintaining the highest standards of integrity and confidentiality.

Your skills and competencies

• You eagerly embrace change, absorb cross-functional skills, and connect ideas across disciplines to drive fresh thinking and innovation. 
• Ability to initiate, develop, maintain and leverage outstanding relationships to influence a wide network, both inside and outside the company. 
• A trailblazer who steps up, takes charge, and creates meaningful impact—those driven by performance and purpose to lead from the front and make a real difference every day. 
• You thrive in collaboration, embrace inclusion, and bring a genuine curiosity for global cultures—valuing collective success over individual credit. 
• Demonstrate strategic foresight, sound judgement, and the ability to make confident decisions under uncertainty, always working toward the best possible outcomes. 
• You challenge norms, champion innovation, and constantly seek growth—for themselves, their team, and the solutions they build. 
• You are a decisive doer—those who take initiative, follow through with confidence, and ensure results through courageous, hands-on leadership. 
• We value optimism, agility, and the strength to persevere under pressure—balancing performance with positivity, even in challenging environments. 
• You are driven, proactive individuals who take ownership, face challenges with grit, and consistently push for excellence—not just as participants, but as catalysts for success. 

Interview process 

During the interview process you will meet with the People team, the hiring manager, and relevant CSuite. Be prepared to complete a technical assessment that will showcase your skills.  

In office perks 

• Healthy breakfast, lunches and snacks
• Monthly team connects 
• On-site Barista 
• Birthday Leave

Perks for South African based employees

• Medical aid subsidy
• Group Risk Insurance
• Generous paid annual leave   
• Birthday leave
• Learning and Development opportunities 
• Mentorship programme
• Quarterly team building 
• Community initiatives 
• Access to cutting edge technology - Ozow Tech Stack

Our Employee Value Proposition

Join Ozow and become part of an elite force that challenges the ordinary and achieves the extraordinary. If you're driven to make an impact, embrace challenges, and seek unparalleled opportunities for growth, your journey starts here.

Compliance

As a fintech company, we prioritize data security, confidentiality, regulatory and compliance. Due to the sensitive nature of our work, we require individuals with a high level of integrity and trustworthiness to ensure adherence to financial regulations and industry standards. Given the sensitive nature of our work, all employees are expected to demonstrate professionalism, accountability, and a commitment to ethical conduct in line with financial regulations and industry standards

Ready to be exceptional? Apply now! 

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To find out more about life at Ozow, head over to our Careers Page here!