Manager Internal Controls, Fraud & Forensics

Job description

We at MTN Mobile Money Zambia are a purpose and value-led organization. 

At MTN Mobile Money Zambia we believe that understanding our people’s needs and aspirations is key to creating experiences that delight you at work, every day. We are committed to fostering an environment where every member of our Y’ello Family is heard, understood, and empowered to live an inspired life.  

Our values keep us grounded and moving in the right direction. Most importantly, they keep us honest. It is not something we claim to be. It is in our DNA. 

As an organisation, we consider it our mission to create an exciting and rewarding place to work, where our people can be themselves, thrive in positivity and ignite their full potential. A workplace that boosts creativity and innovation, improves productivity, and ultimately drives meaningful results. A workplace that is built on relationships and achieving a purpose that is bigger than us. This is what we want you to experience with us! 

Our commitments go beyond an organisational promise. It is in our leadership and managerial ethos to meaningfully partner with our employees, customers and stakeholders with a vision to realise our shared goals.  

We are delighted that you are considering us as your career partner to make a mark in the world. We look forward to your application!  

Mission 

To establish and sustain a strong internal control environment that protects the integrity of MTN Mobile Money Zambia’s operations by effectively preventing, detecting, and investigating fraud and control breaches. The role is dedicated to strengthening governance, promoting ethical conduct, and proactively safeguarding the Mobile Money ecosystem from emerging risks, while supporting the Head of Risk & Compliance in fostering a culture of accountability, transparency, and operational excellence.

Core Responsibilities

Designs, implements, and continuously enhances internal control frameworks and policies in alignment with Group MoMo standards and regulatory requirements;

Designs and conducts periodic risk and control assessments across Mobile Money business processes, including agent network operations, KYC, settlements, product lifecycle, technology platforms, and fintech partnerships;

Designs and performs end-to-end process reviews to identify control gaps and recommend appropriate remediation actions;

Designs and monitors adherence to internal policies, regulatory obligations, and mobile money operational standards;

Designs and facilitates control testing programs to assess the effectiveness and operational performance of internal controls;

Designs and delivers training to management and staff on internal control principles, fraud awareness, and compliance expectations;

Designs and develops the Fraud Risk Management Framework, including detection strategies, incident response procedures, and fraud prevention initiatives;

Designs and monitors transactional patterns and system alerts to identify suspicious or abnormal activity;

Designs and leads proactive fraud analytics and intelligence-gathering initiatives across MoMo channels such as USSD, app, agent, merchant, API, and integrations;

Designs and coordinates with external stakeholders—banks, regulators, law enforcement, Group Forensics, and agents—on emerging fraud trends and prevention strategies;

Designs and manages fraud loss reporting, tracking, and recovery efforts in collaboration with Finance and Legal teams;

Designs and oversees periodic updates to the MoMo Fraud Risk Register;

Designs and leads end-to-end forensic investigations into fraud, misconduct, control breaches, and financial irregularities;

Designs and secures, preserves, and analyzes evidence in compliance with forensic standards;

Designs and prepares comprehensive investigation reports outlining findings, root causes, and actionable recommendations;

Designs and supports disciplinary processes, legal proceedings, and submissions to relevant authorities where required;

Designs and maintains strict confidentiality, integrity, and chain-of-custody standards throughout all investigations;

Designs and prepares and submits periodic reports on internal controls, fraud risks, and investigation outcomes to the Head of Risk & Compliance and applicable governance committees;

Designs and participates in regulatory audits, internal audits, and Group MoMo reviews;

Designs and collaborates with Technology, Finance, Distribution, Customer Support, Commercial, and Group teams to reinforce the internal control environment;

Designs and contributes to strengthening the enterprise-wide risk management culture;

Candidate Requirements: 

Grade twelve (12) Certificate with 5 credits or better including English and Mathematics:

Bachelor’s degree in accounting, Finance, Risk Management, Forensics, Law, or related field.

Professional certifications such as CFE, CIA, CPA, ACCA, CRMA, ISO 31000, or equivalent are added advantages.

Minimum 5–8 years of experience in fraud risk management, internal controls, audit, or forensic investigations.

Experience working in financial services, fintech, telecom, or mobile money environment preferred.

Behavioural Qualities:

Demonstrates high integrity, strong analytical thinking, sound judgment, and consistent attention to detail while maintaining professionalism, confidentiality, and effective collaboration across stakeholders. 

To apply, please submit your cover letter and detailed CV to jobs.ZM@mtn.com, using the job title as the subject line. Kindly ensure that your documents are named using your full names and that all supporting documents, including your NRC, are attached.

Candidates are mandated to answer the below on their cover page to the hiring Manager.  

Values are the core of MTN Zambia’s culture. Our five values called ‘Live Y’ello’ is the force that unites and inspires each one of us to make an impact that matters in the world. So, tell us: Which one of our five Live Y’ello Values resonates most with you and why? (limit

250 words) 

•       Lead with Care  

•       Can-do with Integrity  

•       Collaborate with Agility  

•       Serve with Respect  

•       Act with Inclusion  

Hand delivered applications will not be accepted. The closing date for accepting applications is 30th March 2026.  

“For details on how we handle your personal data, please review our Data Privacy Notice for Job  Applicants atwww.mtn.zm/data-privacy-notice-job-applicants.”  

Note: that only shortlisted candidates will be contacted.