Moniepoint Inc. (Formerly TeamApt Inc.)
1001 - 5000 employees
💳 Fintech
🏦 Banking
Fintech • Banking • Payments
Moniepoint Inc. is Africa's all-in-one financial ecosystem that provides seamless solutions in payments, banking, credit, and business management for over 10 million businesses and individuals. Operating as Nigeria's largest merchant acquirer, Moniepoint powers the majority of Point of Sale (POS) transactions in the country. The company processes $17 billion monthly while ensuring profitable operations. With operations starting in 2019, Moniepoint continues to support businesses through its comprehensive financial services platform, making significant strides in financial inclusion across emerging markets.
Product Auditor
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🔥 7 minutes ago
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Moniepoint Inc. (Formerly TeamApt Inc.)
1001 - 5000 employees
💳 Fintech
🏦 Banking
Fintech • Banking • Payments
Moniepoint Inc. is Africa's all-in-one financial ecosystem that provides seamless solutions in payments, banking, credit, and business management for over 10 million businesses and individuals. Operating as Nigeria's largest merchant acquirer, Moniepoint powers the majority of Point of Sale (POS) transactions in the country. The company processes $17 billion monthly while ensuring profitable operations. With operations starting in 2019, Moniepoint continues to support businesses through its comprehensive financial services platform, making significant strides in financial inclusion across emerging markets.
📋 Description
• Provide independent assurance over the design, implementation, and operating effectiveness of product controls across payment, wallet, settlement, switch, and related products • Evaluate product risk exposure and control maturity before products are scaled • Maintain a risk-ranked Product Audit Universe and own the annual Product Audit Plan • Review PRDs, business rules, transaction workflows, product scenarios, and Maker-Checker enforcement before production releases • Conduct continuous audits of live payment products, detecting configuration drift and emerging transaction-risk patterns • Perform mandatory pre-production Product Audit reviews and confirm reconciliation, exception, and fallback controls are functional • Interrogate the Fee Engine using SQL to validate commissions, VAT, discounts, splits, reversals, refunds, and chargebacks • Trace fund flows and assess synchronisation between wallet sub-ledgers and the General Ledger • Audit product changes, configuration integrity, master data, and formal change-management processes • Assess vendor-managed product controls, SLA performance, third-party API changes, and single-vendor dependency risks • Advise product and engineering teams on control-by-design and participate in design and architecture reviews • Lead post-incident reviews and produce root-cause analysis reports; track corrective actions to closure • Assess compliance with CBN guidelines, PCI DSS, NDPR, and consumer protection obligations • Prepare risk-rated reports for Executive Management and the Audit Committee • Maintain the Product Risk Register and deliver quarterly control-maturity updates
🎯 Requirements
• Bachelor’s degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative discipline • 3–5+ years of experience in Product Audit, Systems Audit, Financial Data Analytics, or Payment Operations within a fintech or financial services environment • Demonstrated hands-on familiarity with payment product architecture, wallet systems, and regulated payment flows in a Nigerian or comparable market context • Advanced SQL for independent data extraction and transaction interrogation • Knowledge of payment systems architecture, including wallets, card processing, direct debit, settlement, and reconciliation • Basic API and integration literacy • End-to-end transaction lifecycle knowledge: authorisation, posting, clearing, settlement, and exception handling • Ability to analyse PRDs and process flows and translate product documentation into control flowcharts • Mathematical precision in fee calculations, interest computations, and split payment structures • Pattern recognition for anomalies, outliers, and irregularities in large transaction datasets • Risk-based audit methodology using IIA Standards and COSO framework • Control design logic and evaluation • Root cause analysis • Knowledge of CBN payment system regulations, PCI DSS, NDPR, and Nigerian consumer protection obligations • Proficiency with SQL platforms such as PostgreSQL, MySQL, or MSSQL • Proficiency with Advanced Excel or Google Sheets • Familiarity with Claude or AI tools • Stakeholder engagement, professional scepticism, independence, and risk-rated report writing • CISA, CIA, or CFE preferred; ACA/ACCA acceptable when combined with strong technical product experience and data analytics
🏖️ Benefits
• Attractive salary • Pension • Health insurance • Annual bonus • Other great benefits • Knowledge sharing • Training and growth opportunities • Well-being-focused, people-first culture
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