Apply Now: Fintech Audit Job at Moniepoint — SQL & Payment Systems Expertise

About Moniepoint Incorporated

Moniepoint Incorporated is a global business payments and banking platform and recently became QED Investors’ first investment in Africa. The company is the partner of choice for over 600,000 businesses of all sizes, powering the dreams of SMBs and providing them with equal access to the tools they need to grow and scale.

Product Auditor Job Summary (Lagos, Remote)

This Product Auditor job is based in Lagos with remote flexibility, open to candidates with 3-5+ years of experience in Product Audit, Systems Audit, Financial Data Analytics, or Payment Operations within fintech or financial services. Moniepoint Incorporated is recruiting for this role to provide independent assurance over the design, implementation, and operating effectiveness of product controls across payment, wallet, settlement, switches, and other related products. It’s a strong fit for technically skilled auditors with strong SQL ability who understand payment systems architecture and regulatory compliance.

Quick Facts

• Job Title: Product Auditor
• Company: Moniepoint Incorporated
• Location: Lagos (Remote)
• Application Deadline: Not specified

Role Overview

The Product Auditor provides independent assurance over the design, implementation, and operating effectiveness of product controls across payment, wallet, settlement, switches, and other related products across the organisation. The role ensures that new and existing products are deployed with adequate financial, operational, security, and regulatory controls, safeguarding the organization against revenue leakage, settlement failures, regulatory breaches, and technology-driven risks. The Product Auditor will independently evaluate product risk exposure and control maturity prior to scale.

Core Job Functions for This Product Auditor Role

Audit Universe & Risk-Based Planning:

• Maintain a living Product Audit Universe covering all payment products, features, and integrations ranked by risk.
• Own the annual Product Audit Plan, ensuring coverage is allocated dynamically based on risk ratings, product complexity, regulatory sensitivity, and change velocity.

Product Design & Control Assurance:

• Review PRDs, business rules, and transaction workflows to identify logic gaps, unmitigated risk paths, and missing exception-handling routines before products reach production/go-live.
• Analyse product path scenarios, verify Maker-Checker enforcement, and provide formal control design sign-off before any material release goes live.

Live Product Assessment (Continuous Audit Review):

• Periodically assess live payment products to confirm they continue to operate within approved design parameters.
• Detect configuration drift, identify silent divergence from original PRDs, and analyse live transaction data for emerging risk patterns.

Go-Live Readiness & Control Gate:

• Execute mandatory pre-production Product Audit reviews as an independent control gate for all material releases.
• Confirm reconciliation logic, exception queues, and fallback controls are tested and functional.
• Escalate critical deficiencies with risk ratings and hold recommendations where a product is not safe to release.

Transaction Logic & Mathematical Integrity:

• Interrogate the Fee Engine using SQL to mathematically prove that commissions, VAT, discounts, and splits are posted with complete precision.
• Validate duplicate prevention mechanisms, ensure transaction integrity within complex payment sequences, and test reversal, refund, and chargeback logic.

Settlement & Ledger Integrity:

• Trace fund flows, confirming continuous synchronisation between wallet sub-ledgers and the General Ledger.
• Assess reconciliation logic for breaks and evaluate the authorisation, documentation, and reversibility of manual settlement overrides.

Product Change & Configuration Integrity:

• Confirm that all product modifications (fee tables, routing rules, limit parameters) pass through an approved change management cycle.
• Identify silent changes made outside formal release processes and audit the integrity of product master data.

Vendor & Third-Party Product Risk:

• Assess controls over vendor-managed product components, evaluate SLA performance, and identify single-vendor dependency risks within critical payment flows.

Control Advisory & Stakeholder Engagement:

• Engage product and engineering teams early in the design cycle to provide informal control advisory, without compromising independence.
• Participate in design reviews and architecture discussions, building a control-by-design culture across product teams.

Incident Review, RCA & Regulatory Alignment:

• Lead post-incident reviews for product failures, producing structured RCA reports that identify underlying logic failures.
• Ensure product logic complies with CBN guidelines, PCI DSS, and consumer protection obligations at the design level.

Reporting & Governance:

• Prepare risk-rated audit reports for Executive Management and the Audit Committee, leading with findings, financial impact, and required action.
• Maintain a Product Risk Register and deliver quarterly control maturity updates.

Why This Product Auditor Job Stands Out

This role offers:

• A highly technical, specialist audit function sitting at the intersection of finance, engineering, and risk
• Direct influence over product go-live decisions through formal control sign-off authority
• Exposure to advanced payment systems architecture, SQL-driven fee engine interrogation, and regulatory compliance
• A people-first company culture with a strong learning and development focus
• An attractive compensation package including pension, health insurance, and annual bonus

Requirements

• Bachelor’s Degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative discipline
• 3-5+ years in Product Audit, Systems Audit, Financial Data Analytics, or Payment Operations within a fintech or financial services environment
• CISA, CIA, or CFE preferred; ACA/ACCA acceptable when combined with strong technical product experience and data analytics
• Demonstrated hands-on familiarity with payment product architecture, wallet systems, and regulated payment flows in a Nigerian or comparable market context

Technical Skills:

• Advanced SQL for independent data extraction and transaction interrogation
• Payment systems architecture: wallets, card processing, direct debit, settlement, and reconciliation
• API and integration literacy (basic)
• End-to-end transaction lifecycle knowledge: authorisation, posting, clearing, settlement, and exception handling
• PRD and process flow analysis
• Mathematical precision in fee calculations, interest computations, and split payment structures
• Pattern recognition for detecting anomalies and irregularities in large transaction datasets

Audit & Risk Skills:

• Risk-based audit methodology: IIA Standards and COSO framework
• Control design logic and evaluation, root cause analysis
• Regulatory knowledge: CBN payment system regulations, PCI DSS, NDPR, Nigerian consumer protection obligations

Interpersonal & Professional Skills:

• Stakeholder engagement, professional scepticism and independence, risk-rated report writing

Tools & Platforms: SQL (PostgreSQL/MySQL/MSSQL), Advanced Excel/Google Sheets, Claude/AI Tools

What Moniepoint Offers

• A people-first culture that prioritizes well-being and values every team member
• A learning and development-focused environment with knowledge sharing and training
• An attractive salary, pension, health insurance, and annual bonus, plus other benefits

Hiring Process

• A preliminary phone call with the recruiter
• An interview with the hiring team
• A final conversation with a member of the executive team

How to Apply for This Product Auditor Job

Interested and qualified candidates should click here to apply online.
Application Deadline: Not specified

Frequently Asked Questions About This Product Auditor Job

Q: What qualifications are needed for this Product Auditor job?
A: A Bachelor’s Degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative discipline, 3-5+ years of experience in Product Audit, Systems Audit, Financial Data Analytics, or Payment Operations, and preferably a CISA, CIA, or CFE certification.

Q: Where is this Product Auditor job located?
A: The role is based in Lagos, with remote flexibility.

Q: What does this role involve day-to-day?
A: The role covers maintaining the Product Audit Universe and plan, reviewing product design and controls, conducting live product assessments, executing go-live readiness reviews, interrogating transaction logic via SQL, assessing settlement and ledger integrity, and preparing risk-rated reports for Executive Management.

Q: How do I apply, and when is the deadline?
A: Apply online by clicking the application link. No application deadline was specified. The hiring process includes a recruiter phone call, a hiring team interview, and a final conversation with an executive team member.

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