Who we are

In November 2020 in Côte d'Ivoire, and then in December 2023 in Senegal, we introduced a groundbreaking financial super app, offering a comprehensive suite of services encompassing online and offline payments, peer-to-peer transactions, fund transfers, as well as savings and budgeting tools.

As of today, we have empowered thousands of users to perform these financial activities seamlessly, and our rapid growth continues unabated. Our overarching objective is to forge the next generation of digital financial solutions in Francophone Africa. In this region, fewer than 25% of the population currently has access to traditional banking services.

The financial landscape of this region is undergoing a profound transformation, with millions of individuals shifting from basic financial transactions (mobile money) to more sophisticated financial management. Djamo is uniquely positioned to emerge as the premier choice for meeting these evolving financial needs.

We are proud to have garnered support from world-renowned investors, including Y Combinator, Partech, Kima, and Norskeen, which underscores our potential and commitment to reshaping the financial services landscape in Africa.

To support the launch and growth of our activities in Djamo Entities, we are looking for a Compliance Lead.

Your role

At Djamo, the Legal and Compliance department supports the strategic development of our business and ensures the company is growing while being compliant with applicable regional laws and regulations, as well as mitigating the risks triggered by our business exposure.

As Compliance Lead for Djamo Senegal, you will be responsible for the design, implementation, and day-to-day management of the local compliance program. You will ensure Djamo operates in line with applicable regulatory requirements, internal policies, and international best practices, particularly in AML/CFT.

While your core responsibility is compliance, you will also provide limited legal support, primarily reviewing basic contracts and coordinating with external counsel when necessary.

This role reports functionally to the Group Head of Legal & Compliance – WAEMU and works closely with the Country Manager and other local teams.

Your Responsibilities will include

Regulatory & Compliance Oversight

• Ensure full compliance with local financial regulations, especially those from the BCEAO, CENTIF, and ARTP, AMF-UMOA
• Act as the primary liaison with local partner banks, local regulators, and coordinate inspections, audits, and filings.
• Monitor regulatory developments and update internal stakeholders on changes affecting the business.

AML/CFT Program Leadership

• Manage end-to-end AML/CFT compliance, including KYC onboarding, transaction monitoring, and suspicious transaction reporting.
• Conduct periodic risk assessments and update the AML/CFT framework in line with regulatory expectations.
• Ensure timely and accurate STR/SAR submissions to local partner banks or CENTIF.

Policy Implementation & Internal Controls

• Roll out and enforce group compliance policies at the local level, adapting them to Senegalese regulations where needed.
• Monitor control effectiveness and lead the resolution of compliance breaches or control failures.
• Maintain compliance registers (e.g., incidents, complaints, breaches).
• Prepare reports and submit them within the required timeframes to partner banks, the regulator, to the Group Head of Legal & Compliance – WAEMU, or any other entity that requests them
• Respond to requests from the Prosecutor or any other judicial authority within the required timeframes
• Respond to requests from the Prosecutor or any other judicial authority within the required timeframes

Training & Awareness

• Conduct onboarding and recurring compliance training for staff, focused on AML/CFT, ethics, anti-fraud, and data protection.
• Support the development of a compliance-first culture across teams.
  
  

Legal Support (as needed)

• Review low-risk contracts (e.g., NDAs, service agreements) and escalate complex matters to Group Legal or external counsel.
• Coordinate with local legal advisors on litigation, regulatory filings, and legal correspondence.
• Support product and business teams with basic legal risk assessments
• Any other related tasks.

Your profile

Requirements

• Master’s degree in Law, Compliance, Risk Management, or a related field.
• Minimum 5 years of experience in a compliance-focused role within a financial institution, fintech, or regulated company.
• Strong knowledge of WAEMU/BCEAO regulations, particularly EMI and AML/CFT requirements.
• Comfortable navigating both compliance frameworks and basic legal documentation.
• Excellent written and verbal communication skills in French, with working proficiency in English.
• Strong integrity, independence, and a pragmatic, solution-oriented mindset.
• Certification in AML/CFT (e.g., CAMS) or compliance is a strong plus.

Persona

• Excessively detail-oriented and seeking to achieve excellence in everything you do.
• You are a clear and proactive communicator, you can independently follow through on tasks, and you can manage priorities effectively
• You like teamwork, but you also know how to work well independently
• You are an excellent negotiator and mediator, especially in challenging situations
• You demonstrate tenacity and a willingness to go the extra mile to get something done
• You are comfortable defaulting to over-communication and overreaching when it comes to coordination
• You are analytical in your approach to problems
• You can adjust quickly to changing priorities and conditions

The advantages of working at Djamo

• A stimulating working atmosphere
• Be at the heart of fintech innovation in Francophone Africa.
• Own and shape the compliance function in a fast-paced, mission-driven environment.
• Collaborate with cross-functional teams across the region.
• Access real growth and learning opportunities across legal, compliance, and operations.
• A collaborative work environment, with strong team spirit
• A culture focused on continuous development

We will consider all applications on the same basis. Djamo is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Type of contract

Permanent contract (CDI), with a 3-month renewable trial period.

Work location

The work location is Dakar

Few travels across the region, and prospective OpCos

Sector of activity

Mobile Financial Services