Product Auditor

🕒 August 5

🇳🇬 Nigeria – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🔎 Auditor

👻 Ghost score 36%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Moniepoint Inc. (Formerly TeamApt Inc.)

WebsiteLinkedInAll Job Openings

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 • Maintain a risk-ranked Product Audit Universe and own the annual Product Audit Plan • Review PRDs, business rules, and transaction workflows to identify logic gaps and unmitigated risks before go-live • Analyze product scenarios, verify Maker-Checker enforcement, and provide control design sign-off for material releases • Periodically assess live payment products, detect configuration drift, and analyze transaction data for emerging risks • Execute mandatory pre-production Product Audit reviews as an independent control gate • Confirm reconciliation logic, exception queues, and fallback controls are tested and functional • Escalate critical deficiencies with risk ratings and hold recommendations • Use SQL to test fee calculations, commissions, VAT, discounts, splits, duplicate prevention, reversals, refunds, and chargebacks • Trace fund flows between wallet sub-ledgers and the General Ledger • Assess reconciliation breaks and manual settlement overrides • Audit product changes, configuration integrity, master data access controls, and version tracking • Assess vendor-managed product controls, SLA performance, third-party dependencies, and API or settlement changes • Provide control advisory to product and engineering teams and participate in design and architecture discussions • Lead post-incident reviews and produce root-cause analysis reports • Assess corrective actions and track findings through closure • Ensure product logic aligns with CBN guidelines, PCI DSS, and consumer protection obligations • Prepare risk-rated audit reports for Executive Management and the Audit Committee • Maintain the Product Risk Register and deliver quarterly control maturity updates

🎯 Requirements

• 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: authorization, posting, clearing, settlement, and exception handling • PRD and process flow analysis • Mathematical precision in fee calculations, interest computations, and split payment structures • Pattern recognition in large transaction datasets • Risk-based audit methodology using IIA Standards and COSO framework • Control design logic and evaluation • Root cause analysis • Regulatory knowledge of CBN payment system regulations, PCI DSS, NDPR, and Nigerian consumer protection obligations • Stakeholder engagement • Professional scepticism and independence • Risk-rated report writing • Proficiency with SQL, including PostgreSQL, MySQL, or MSSQL • Proficiency with Advanced Excel or Google Sheets • Experience with Claude or AI tools • Bachelor’s degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative discipline • 3–5+ years 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

🏖️ Benefits

• Attractive salary • Pension • Health insurance • Annual bonus • Knowledge sharing • Training • Growth and professional development opportunities • People-focused culture prioritizing employee well-being • Inclusive and equal-opportunity work environment

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