Amasezerano Community Banking (ACB) Plc is inviting applications from qualified and experienced professionals for the position of Risk and Compliance Manager. This is an opportunity for an experienced risk, compliance, audit or financial-sector professional to lead and strengthen the institution’s enterprise-wide risk management and regulatory compliance framework.
The successful candidate will provide independent oversight, advice, monitoring and reporting to ensure that risks are properly identified, assessed, managed and reported, while ensuring compliance with applicable laws, National Bank of Rwanda (BNR) regulations, directives, guidelines and internal policies.
About Amasezerano Community Banking (ACB) Plc
ACB Plc is a Christian Micro Finance Institution that started operations in August 2006 and is licensed by the National Bank of Rwanda (BNR).
Its vision is to become a leading Christian financial institution contributing to holistic and sustainable development. Its mission is to bring holistic transformation to the community through quality financial services.
The institution upholds quality service, transparency, integrity and accountability.
Job Purpose
The Risk and Compliance Manager will lead the establishment, development, implementation and continuous strengthening of ACB Plc’s enterprise-wide risk management and regulatory compliance framework.
The position provides independent second-line oversight and supports the Board and Senior Management with accurate information about the institution’s risk and compliance profile. The manager will also promote a strong risk and compliance culture and monitor the implementation of appropriate mitigation and corrective actions.
Key Responsibilities
1. Enterprise Risk Management
The manager will:
- Establish, implement and maintain the institution’s enterprise-wide risk management framework, policies, procedures and methodologies.
- Identify, assess, measure, monitor and report material risks.
- Maintain an up-to-date enterprise risk register and coordinate periodic institutional risk assessments.
- Develop and monitor the Risk Appetite Statement, risk limits, tolerances, Key Risk Indicators (KRIs) and escalation thresholds.
- Independently review management risk assessments and mitigation plans.
- Assess risks associated with new products, services, branches, systems, technologies, outsourcing arrangements, partnerships, investments and major projects.
2. Oversight of Key Risk Categories
The role covers several categories of institutional risk, including:
- Credit risk: Monitor portfolio quality, non-performing loans, portfolio-at-risk, lending concentrations, large exposures, collateral, credit limits and policy compliance.
- Operational risk: Assess risks involving people, processes, systems, fraud exposure, incidents, outsourcing, technology and information systems.
- Liquidity risk: Monitor liquidity indicators, funding, deposit concentrations, stress testing and contingency plans.
- Market and interest-rate risk: Monitor relevant exposures, limits and stress-testing activities.
- Strategic risk: Assess risks related to strategic decisions, business expansion, new products, projects and investments.
- Legal and compliance risk: Identify legal and regulatory exposures and escalate material breaches and unresolved issues.
3. Regulatory Compliance
Responsibilities include:
- Developing and maintaining the Compliance Policy, regulatory obligations register, compliance calendar and annual Compliance Monitoring Plan.
- Identifying applicable laws, regulations, directives and guidelines.
- Conducting compliance risk assessments, periodic compliance testing and thematic reviews.
- Monitoring compliance with BNR requirements and ACB Plc policies and procedures.
- Maintaining records of regulatory breaches and compliance exceptions.
- Advising Management on regulatory changes and requirements.
- Monitoring customer protection, complaints, conflicts of interest, related-party requirements and ethical risks.
- Promoting staff awareness and compliance training.
4. AML/CFT Oversight and Coordination
The manager will coordinate or oversee relevant activities involving:
- AML/CFT risk assessments.
- Know Your Customer (KYC), customer due diligence and enhanced due diligence controls.
- Sanctions screening and transaction monitoring.
- Suspicious transaction reporting processes and record keeping.
- Monitoring high-risk customers, politically exposed persons (PEPs) and emerging AML/CFT risks.
- AML/CFT training and independent compliance testing.
- Reporting material weaknesses to Management and the Board.
The role will work with the designated AML/CFT Officer or responsible function while respecting that officer’s responsibilities and independence.
5. Regulatory Engagement, Reporting and Governance
The manager will:
- Prepare periodic Risk and Compliance reports for the Board, Board Committees, Managing Director and Senior Management.
- Coordinate regulatory reporting, BNR inspections and supervisory reviews.
- Respond to regulatory queries and coordinate responses to regulatory findings.
- Monitor regulatory and Internal Audit findings and follow up on corrective actions.
- Escalate material risks, regulatory breaches, fraud exposure, liquidity concerns and AML/CFT weaknesses.
- Develop and implement the annual Risk and Compliance Work Plan, policies, registers and reporting frameworks, subject to appropriate approval.
6. Function Development and Risk Culture
The successful candidate will establish and strengthen the Risk and Compliance Function, promote risk awareness and accountability across departments, and maintain effective coordination with Internal Audit while preserving its independence.
First 90-day deliverable: Conduct a comprehensive Risk and Compliance Gap Assessment, establish key risk and compliance registers, assess internal controls, identify weaknesses and present a remediation roadmap to Management and the Board.
Qualifications and Experience
Applicants should meet the following requirements:
- A Bachelor’s Degree in Risk Management, Finance, Accounting, Economics, Business Administration, Law, Auditing or a related field.
- At least five (5) years of relevant experience in risk management, compliance, internal control or audit, preferably within a regulated financial institution.
- Proven experience establishing or strengthening risk management functions, developing policies, risk registers and compliance monitoring frameworks.
- Practical experience in risk assessment, regulatory compliance, AML/CFT, reporting and engagement with regulators, auditors and Board Committees.
A Master’s Degree and relevant professional certifications will be an added advantage. These include:
- CPA
- ACCA
- FRM
- CIA
- CRP
- CAMS
- CISA
- Equivalent professional certifications
Knowledge of Rwanda’s financial sector and BNR regulatory requirements will also be an added advantage.
Technical Competencies
Candidates should demonstrate:
- Strong knowledge of enterprise risk management frameworks, risk appetite, KRIs and risk assessment methodologies.
- Ability to identify, assess, monitor and report financial and non-financial risks.
- Understanding of credit, operational, liquidity, market, strategic and compliance risks.
- Knowledge of financial regulations, corporate governance, AML/CFT and customer protection requirements.
- Excellent analytical, report-writing, policy development, regulatory interpretation and compliance monitoring skills.
- Ability to assess risks associated with digital financial services, information systems, outsourcing and other business operations.
Core Competencies and Personal Attributes
The ideal candidate should demonstrate:
- Integrity, honesty, professional ethics and confidentiality.
- Independent judgement, objectivity and the courage to challenge decisions and escalate concerns.
- Strong analytical, critical-thinking, problem-solving and risk-assessment abilities.
- Excellent written and verbal communication, report-writing and presentation skills.
- Sound judgement and attention to detail.
- Leadership, planning, coordination and stakeholder-management skills.
- Ability to work effectively with the Board, Management, Internal Audit, regulators and external auditors.
- Commitment to continuous professional development, accountability and a strong risk and compliance culture.
How to Apply
Interested and qualified candidates should submit their application documents by email to:
Email: amasezerano@acb.rw
The application must include:
- Motivation letter.
- Updated Curriculum Vitae (CV).
- Academic certificates.
- Copy of National ID.
- Current criminal record certificate.
- Original church recommendation letter signed by the applicant’s church Pastor.
Application deadline: 3 December 2026 at 3:00 PM.
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