Careers at Virtual Pay

Job Summary

• This role provides legal and regulatory support to the Company across its jurisdictions of operation, ensuring compliance with applicable laws, regulations, licensing conditions and regulatory obligations. The Legal & Regulatory Compliance Officer will support new market entry and licensing, regulatory engagements, compliance monitoring, legal documentation, and the implementation of regulatory requirements across the business.
• The role requires strong knowledge of financial services and payments regulation, excellent research and analytical skills, and the ability to translate regulatory requirements into practical business actions.

Key Responsibilities

• Regulatory Compliance: Monitor changes in laws, regulations and regulatory directives across jurisdictions; assess their impact and advise relevant teams on required actions.
• Maintain regulatory obligations, licensing and compliance registers and track regulatory deadlines and commitments.
• Licensing & Market Entry: Lead/co-ordinate preparation of regulatory licensing and market-entry packs for new jurisdictions, including application forms, business plans, corporate and governance documents, policies, risk assessments and other supporting documentation. Coordinate responses to regulator queries and track pre- and post licensing requirements.
• Regulatory Engagement: Prepare and coordinate regulatory submissions, returns, notifications and responses. Support regulatory examinations, inspections, audits and remediation of regulatory findings, and maintain appropriate records of regulatory correspondence and approvals.
• Legal Advisory & Contracts: Conduct legal and regulatory research and provide practical advice on products, partnerships, business activities and market expansion.
• Review,draft and support negotiation of commercial agreements, ensuring appropriate legal, regulatory and risk protections.
• Compliance Frameworks: Support implementation and monitoring of requirements relating to AML/CFT, sanctions, data protection, consumer protection, financial crime, and other applicable regulatory obligations. Support compliance reviews, regulatory risk assessments and remediation activities.
• Governance & Documentation: Support development and review of legal, regulatory and compliance policies, procedures and governance documents. Maintain an accurate repository of licences, regulatory filings, contracts, legal opinions and other key records, and provide legal/regulatory updates to management and relevant governance forums.

Key qualifications:

• Bachelor’s degree in Law (LLB); admission to practice is an advantage.
• 4–6 years’ experience in legal, regulatory compliance, financial services, fintech, payments or banking.
• Proven experience in regulatory licensing and market-entry processes, preferably across multiple jurisdictions.
• Strong knowledge of payments/financial services regulation, AML/CFT, sanctions, data protection and consumer protection.
• Experience in contract review, legal research and regulatory advisory.

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Job Summary

• The Internal Auditor provides independent, risk-based assurance over the Company’s financial, operational, compliance and governance processes. The role independently plans and executes end-to-end audits, evaluates the effectiveness of controls, identifies risks and control gaps, and drives timely remediation.
• This is a hands-on operational role requiring strong financial and controls audit expertise, combined with the professional judgement to identify systemic and emerging risks. The role covers Finance, Settlements & Reconciliations, Operations, AML/CFT, Risk, Compliance and other business functions as required.

Key Responsibilities

Internal Audit & Assurance

• Develop and execute a risk-based internal audit plan covering key financial, operational, compliance and control risks.
• Conduct end-to-end audits, including planning, scoping, testing, analysis, reporting and follow-up.
• Assess the design and effectiveness of internal controls, policies, processes and risk mitigation measures.
• Conduct special, investigative and ad hoc audits as directed by Management or the Board Audit & Risk Committee.

Financial, Operational & Compliance Audits:

• Audit financial processes including revenue, expenditure, treasury, settlements, reconciliations, payroll, procurement and financial reporting.
• Review operational processes to identify control weaknesses, inefficiencies, fraud risks and opportunities for improvement.
• Assess compliance with applicable laws, regulations, internal policies, delegated authorities and regulatory requirements.
• Evaluate AML/CFT, sanctions, fraud prevention and other financial crime controls.

Audit Reporting & Remediation:

• Prepare clear, concise and evidence-based audit reports outlining findings, root causes, risk implications and practical recommendations.
• Engage process owners and Management on findings and agree appropriate corrective actions.
• Maintain the audit issues register and independently monitor remediation to ensure actions are completed effectively and on time.
• Escalate significant, overdue or unresolved high-risk issues to Management and the Board Audit & Risk Committee.

External Audit & Assurance Coordination:

• Serve as the key liaison with external auditors, coordinating audit requests, documentation, meetings and access to information.
• Coordinate responses to external audit findings and monitor implementation of agreed management actions.
• Support effective coordination between internal and external assurance activities, including sharing relevant audit reports and reducing duplication of work.

Key qualifications:

• Bachelor’s degree in Accounting, Finance, Risk Management or a related field.
• Professional certification in CIA, CPA, ACCA or equivalent; CIA qualification is highly desirable.
• 5+ years’ relevant experience in internal audit, external audit, risk or assurance.
• Demonstrated experience conducting financial, operational and compliance audits.
• Practical experience in AML/CFT, fraud risk, financial crime controls, risk management and regulatory compliance.
• Experience in fintech, payments, banking, financial services or another regulated environment is highly desirable.
• Strong analytical, report-writing, communication and stakeholder management skills.
• Ability to work independently, exercise sound professional judgement and translate audit findings into practical, actionable improvements.