Operations Officer

Key Responsibilities

• Oversee daily operational activities across all banking products and services.
• Review and resolve transaction exceptions, failed transactions, reversals, and operational incidents within Bank One.
• Manage daily reconciliation processes between Bank One General Ledger, settlement bank accounts, and internal transaction records.
• Investigate and resolve reconciliation discrepancies, settlement exceptions, and transaction disputes within agreed timelines.
• Oversee merchant settlements, NIP settlements, card settlements, bill payment settlements, and cross-border transaction settlements.
• Monitor AML alerts, support suspicious transaction investigations, and ensure compliance with KYC and regulatory requirements.
• Manage customer account operations including account restrictions, freezes/unfreezes, dormancy management, KYC upgrades, and compliance reviews.
• Ensure timely resolution of customer complaints and operational issues.
• Support the preparation of CBN returns, regulatory reports, audits, and board reporting requirements.
• Maintain accurate operational records and ensure all documentation remains audit-ready.
• Manage relationships with core banking providers, settlement banks, payment processors, and other operational partners.
• Prepare and present operational performance, settlement, reconciliation, and compliance reports to management.
• Lead operational improvement initiatives that enhance efficiency, controls, and customer experience.

Requirements

• Bachelor's Degree in Accounting, Finance, Banking, Economics, Business Administration, or a related discipline.
• Minimum of 5 years' relevant experience within a Microfinance Bank, Fintech, or Commercial Banking environment.
• Minimum of 3 years' experience in a supervisory or operational leadership role.
• Strong hands-on experience using Bank One Core Banking System is mandatory.
• Strong knowledge of reconciliation, settlement operations, transaction investigations, and operational reporting.
• Good understanding of CBN regulations, AML requirements, KYC processes, and financial services operations.
• Experience working with digital banking systems, APIs, transaction logs, and payment channels.
• Advanced proficiency in Microsoft Excel and reporting tools.

Required Competencies:

• Strong analytical and problem-solving skills.
• Excellent attention to detail and accuracy.
• Strong leadership and stakeholder management abilities.
• Excellent communication and reporting skills.
• Ability to work independently, manage multiple priorities, and perform effectively under pressure.
• High level of integrity, accountability, and operational discipline.