Senior Risk And Compliance Officer

Job Detail

Job ID 83466

Career Level Officer

Experience 3 Years

Gender Any

Qualifications Bachelor's Degree

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Job Description

Senior Risk and Compliance Officer

Abokobi Area Rural Bank Ltd

Location: Legon, Accra, Ghana

Employment Type: Full-time

Application Deadline: 30 August 2026

Company Profile

Abokobi Area Rural Bank Ltd is a community-focused financial institution committed to providing accessible and responsible banking services while supporting the economic development of individuals, businesses, and communities.

The Bank promotes a professional, ethical, and welcoming working environment where employees uphold strong governance standards, manage risks effectively, and deliver reliable financial services to customers.

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About the Role

Abokobi Area Rural Bank Ltd is seeking an experienced and strategic Senior Risk and Compliance Officer to strengthen the Bank’s risk management, regulatory compliance, and internal control framework.

The successful candidate will identify and assess risks, monitor regulatory compliance, strengthen internal controls, support management decision-making, and promote a strong culture of integrity and accountability across the Bank.

The role requires strong knowledge of Ghana’s banking regulatory environment, excellent analytical ability, leadership skills, and the confidence to work independently while engaging effectively with management, employees, regulators, and other stakeholders.

Key

Responsibilities

Risk Management

Develop, implement, and continuously improve the Bank’s risk management framework.

Identify, assess, monitor, and report financial, operational, credit, liquidity, market, compliance, and other emerging risks.

Maintain an up-to-date risk register and monitor mitigation measures.

Assess the potential impact of new products, processes, systems, and business initiatives on the Bank’s risk profile.

Prepare regular risk reports and provide management with practical recommendations.

Monitor risk indicators and escalate significant exposures promptly.

Support the Bank in maintaining appropriate risk appetite and tolerance levels.

Promote risk awareness across departments and ensure employees understand their risk-management

responsibilities.

Regulatory Compliance

Monitor compliance with applicable banking laws, regulations, directives, and regulatory guidelines.

Advise management and relevant departments on regulatory

requirements and compliance obligations.

Monitor adherence to policies, procedures, and internal control

requirements.

Track regulatory changes and recommend timely updates to policies and processes.

Coordinate compliance reviews and follow up on identified gaps until management resolves them.

Maintain appropriate compliance records and documentation.

Support regulatory examinations, inspections, audits, and requests for information.

Ensure the Bank responds appropriately and promptly to regulatory findings and recommendations.

Anti-Money Laundering & Financial Crime Compliance

Support the implementation and monitoring of the Bank’s AML/CFT framework.

Monitor compliance with the Anti-Money Laundering Act, 2020 (Act 1044) and other applicable financial crime

requirements.

Review and strengthen customer due diligence, enhanced due diligence, transaction monitoring, and related controls.

Identify and escalate suspicious transactions and unusual activities in accordance with applicable

requirements.

Maintain appropriate AML/CFT records and support regulatory reporting obligations.

Navigate and use the FCM portal effectively for relevant compliance activities.

Promote staff awareness of AML/CFT

requirements through training and ongoing communication.

Governance, Controls & Assurance

Evaluate the effectiveness of internal controls and recommend improvements.

Conduct compliance and risk assessments across business units and operational functions.

Identify control weaknesses and develop practical corrective and preventive measures.

Monitor implementation of agreed risk and compliance actions.

Collaborate with Internal Audit and other assurance functions to strengthen governance and control processes.

Support management in maintaining effective corporate governance and accountability.

Escalate significant control failures, breaches, and unresolved risks to appropriate authorities.

Leadership & Stakeholder Management

Provide guidance and leadership to staff involved in risk and compliance activities.

Build strong relationships with management, employees, regulators, auditors, and other stakeholders.

Communicate complex regulatory and risk matters clearly to both technical and non-technical audiences.

Support management in balancing regulatory compliance with sustainable business growth.

Promote a culture of transparency, ethical conduct, accountability, and responsible risk-taking.

Perform any other duties assigned by the appropriate superior officer.

Qualifications & Experience

Master’s Degree in Risk Management, Banking, Finance, Accounting, Economics, Law, or a related field.

Professional certification such as ICA, ACCA, CRA, or an equivalent qualification.

Minimum of 4 years’ experience in a leadership role within risk management, compliance, audit, or a related function.

Demonstrated experience in the banking or financial services sector, preferably rural or community banking.

Strong knowledge of Ghanaian banking regulations, regulatory frameworks, and compliance standards.

Good knowledge of the Anti-Money Laundering Act, 2020 (Act 1044), the Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930), and other relevant compliance guidelines and standards.

Ability to navigate and use the FCM portal.

Working knowledge of the T24 Core Banking application/software.

Key Competencies

The ideal candidate will demonstrate

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