E-Business Control Officer

Overview

This role oversees and validates internal controls across digital payment platforms, electronic channels, and transaction processing systems. The Specialist ensures controls are designed and operating effectively to mitigate operational risk, digital transaction risk, and settlement risk. Responsibilities include evaluating transaction flows across products, API integrations, and payment channel reconciliations, with a strong grounding in internal control frameworks, digital risk management, e-payment regulations, and payment channel architectures.

Responsibilities

• Develop and implement control testing programmes to validate end-to-end electronic transaction flows across all products, including loans, POS, web, mobile, and API channels.
• Design and monitor daily reconciliation and control processes for loans, card switching platforms, payment gateways, and third-party processor integrations.
• Perform continuous risk assessments and control testing on all electronic channels, including payment, loans, chargeback management, and dispute resolution workflows.
• Evaluate revenue assurance controls for e-business products by verifying fee configurations, commission splits, and automated ledger postings.
• Review and monitor merchant settlement accounts, transaction staging accounts, and e-channel clearing suspense accounts to support timely matching and resolution.
• Assess IT application controls, authorization logic, and parameter settings relevant to e-business applications and digital channel interfaces.
• Collaborate with Product, Technology, and Operations teams to ensure internal control requirements are embedded into new digital payment product designs.
• Develop and maintain an e-business control deficiency dashboard to track and remediate issues identified during channel reviews and audits.
• Conduct regular audits of digital channel access rights, privileged user activities, and transaction limits to prevent fraud and unauthorized activity.
• Monitor compliance with relevant payment system standards, regulatory guidelines for electronic channels, and digital risk management practices.
• Perform root cause analysis on digital channel control failures, transaction outages, or settlement discrepancies, recommending preventive measures.
• Develop and manage the control deficiency remediation dashboard for follow-up and closure of open findings from control assessment, internal audit, and any external examination and assessment of finance operations.

Requirements

• Education: Bachelor’s degree in Accounting, Business Management, Finance or a related field.
• Certifications: CISA, CRISC, CISM, ACA, ACCA or related professional credentials.
• Experience: 4–6 years of experience in internal control, digital channel auditing, e-business control, or revenue assurance within a fintech, switching company, or commercial bank.
• Framework and Standard Knowledge: In-depth knowledge and practical experience with the COSO internal control framework, ISO 31000 (Risk Management), and the relevant IFRS standards as applicable.

Preferred Qualifications

• Expertise applying internal control frameworks (COSO, ISO 31000, ISO 27001) specifically to fintech and digital banking operations.
• Strong proficiency in automated transaction reconciliation, data analytics, log analysis, and designing test scripts for high-volume digital transactions.
• Demonstrated ability to identify revenue leakage, analyze fee discrepancies, and reconcile transactions across switching networks.

Skills & Competencies

• Deep understanding of electronic payment channels (POS, Mobile, Web, NIP, switching platforms), API integration controls, and digital settlement mechanics.
• Data & transaction analysis proficiency, including automated reconciliation, analytics, and log analysis.
• Stakeholder management skills to build and maintain relationships across departments.
• Continuous improvement mindset.
• Adaptability to a dynamic and evolving threat landscape and regulatory environment.
• Ability to lead assessments and manage stakeholder communication and feedback collection.
• Excellent written and verbal communication skills to document and communicate assessment findings.
• Strong analytical and problem-solving skills to identify control deficiencies, assess impact, and develop remediation plans.
• Excellent organizational and time management skills to manage multiple assessments, remediation efforts, and reporting requirements.
• High level of integrity and professionalism when handling sensitive information and maintaining objectivity in assessments.

Compensation & Benefits

• Competitive compensation, benefits, and career growth opportunities.
• Supportive culture and commitment to continuous professional development.

What success looks like in this role

• Full coverage and validation of end-to-end controls across all digital payment and transaction platforms.
• Zero tolerance for unresolved revenue leakages, settlement discrepancies, or unidentified channel control gaps.
• Timely remediation and closure of identified control deficiencies, internal/external audit findings, and regulatory assessment gaps.
• Seamless integration of robust control requirements into all new digital products and API releases prior to launch.