Product Auditor

Moniepoint Incorporated—a global business payments, banking platform, and unicorn fintech powering over 600,000 businesses—is recruiting a Product Auditor on a remote basis (based out of Lagos). This specialized technical audit role provides independent control assurance over Moniepoint's payment products, wallet systems, settlement infrastructure, and transaction processing engines. The auditor acts as a pre-release control gate, executing risk assessments, querying transaction databases via SQL, and ensuring product logic complies with CBN regulations and financial control standards.

• Product Audit Planning & Universe: Maintain a dynamic, risk-ranked Product Audit Universe across all wallet, payment, switch, and settlement features.

• Control Design & Pre-Go-Live Assurance: Review PRDs, transaction workflows, Maker-Checker rules, and exception-handling logic to sign off on product design controls prior to production deployment.

• Continuous Live Audit & SQL Data Interrogation: Use advanced SQL queries to analyze fee engines, tax/VAT calculations, chargeback symmetry, and split-payment accuracy in real-time production environments.

• Settlement & Ledger Integrity: Trace fund flows between wallet sub-ledgers and the General Ledger, assessing reconciliation logic, manual overrides, and third-party API dependencies.

• Regulatory Compliance & RCA: Ensure product features comply with CBN regulations, PCI DSS, and NDPR standards; lead Root Cause Analysis (RCA) on product incident failures.

• Governance Reporting: Present risk-rated audit findings and quarterly control maturity updates to Executive Management and the Audit Committee.

• Education: Bachelor’s Degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative discipline.

• Experience: 3 to 5+ years of experience in Product Audit, IT/Systems Audit, Financial Data Analytics, or Payment Operations within a fintech or financial institution.

• Certifications: CISA, CIA, or CFE preferred (ACA/ACCA accepted if combined with strong technical product and SQL analytics experience).

• Technical Proficiency:

  • Advanced SQL (PostgreSQL, MySQL, MSSQL) for data extraction and transaction interrogation.

  • Deep understanding of payment system architecture, wallet sub-ledgers, card processing, API integration, and clearing/settlement flows.

  • Proficiency with AI tools (Claude), advanced Excel, and process mapping.

• Regulatory Knowledge: Hands-on familiarity with CBN payment guidelines, PCI DSS, NDPR, and Nigerian consumer protection obligations.