About Pesapal:
We are the leading payment services company with local know-how in building payments and business tools for Africa. Since 2009 we’ve empowered tens of thousands of African businesses and entrepreneurs to collect money online and in person via mobiles and cards. We back it up with popular digital tools for ticketing, reservations, reporting, inventory, merchant credit, APIs, and more.
We make it simple and safe for customers to book online and pay at a point-of-sale, or via the Pesapal Mobile App. Pesapal is regulated by the Central Banks of Kenya, Rwanda, Uganda, Zambia and Tanzania. We have 300+ employees in 5 African countries – and we’re adding more. We all share a commitment to product innovation that solves Africa’s payment challenges. We’re on track to connect a million African entrepreneurs and customers to electronic payments, e-commerce, and the global financial system by 2030.
Job Summary
We are seeking a detail-oriented and analytically strong Risk Executive to support the organization’s risk management, fraud monitoring, and transaction review activities. This role is critical in safeguarding the business against financial and non-financial risks, strengthening internal controls, and ensuring timely identification, investigation, and mitigation of fraud-related issues.
The ideal candidate must have hands-on experience in fraud detection, transaction monitoring, chargebacks processing, and operational risk support within a fast-paced environment.
What Success Looks Like at Pesapal:
1. Deliver Exceptional Results:We deliver high-quality work with a strong work rate, focusing on what matters most.
2. Solve for Our Customers:The goals and aspirations of our customers are front and center in the decisions we make every day.
3. Together, We Do Great Work: We place a high importance on working together effectively as a team, sharing ideas and knowledge to achieve common goals.
4. Own Our Outcomes: We take complete personal responsibility for our tasks, projects, and results from start to finish.
Key Responsibilities:
Operational Risk Support
- Monitor fraud check ensuring timely responses and follow-ups on outstanding queries.
- Review new merchant settlement requests, focusing on party information accuracy, completeness, and identification of potential risk issues.
- Monitor new client/matter onboarding and change requests to ensure all business intake forms progress in a timely manner.
- Upload and maintain critical documentation in the conflicts and risk databases.
Transaction Review & Fraud Analysis
- Review and process fraud filter alerts, escalate issues appropriately, and notify relevant stakeholders of suspicious or fraudulent activity.
- Perform daily review, investigation, and disposition of flagged transactions.
- Initiate effective communication with customers, cardholders, and financial institutions to verify information and manage chargebacks.
- Process and document chargebacks daily in line with established procedures.
- Identify, document, and communicate emerging fraud trends, suspicious transaction characteristics, and patterns.
- Collaborate closely with Customer Service teams to resolve customer inquiries related to investigations.
Reporting
- Prepare and submit reports on high-risk and potentially fraudulent accounts and transactions.
- Recommend new fraud rules and rule updates to mitigate emerging risks.
- Prepare periodic chargeback analysis and fraud trend reports to support decision-making
Qualifications:
- Bachelor’s degree in finance, Accounting, Business, Economics, Risk Management, or a related field.
- 4 years’ experience in risk management, fraud monitoring, transaction monitoring, or operational risk (preferably in fintech, banking, payments, or financial services).
- Practical experience handling fraud alerts, chargebacks, and transaction investigations.
- Excellent written and verbal communication skills, with a talent for storytelling.
Personal Attributes:
- Strong analytical and investigative skills with high attention to detail.
- Good understanding of fraud schemes, transaction monitoring tools, and risk control frameworks.
- Ability to manage multiple priorities in a deadline-driven environment.
- Strong written and verbal communication skills.
- High ethical standards, integrity, and discretion when handling sensitive information.
- Proficiency in risk, fraud, or transaction monitoring systems is an added advantage.
Why Join Us?
Innovative Environment:Opportunity to work on cutting-edge financial technology products and services
Professional Growth: Access to opportunities for skill development, training, and career advancement. We believe in investing in our people and helping them reach their full potential.
Impactful Work:Be part of a passionate team transforming the African financial Landscape
Dynamic Work Culture: Be part of a dynamic, fast-paced environment where you experience a myriad of exciting challenges, opportunities, and thrilling adventures.
Equity & Inclusion Statement
Pesapal is committed to fostering a diverse and inclusive work environment where all individuals are valued, respected, and have equal access to opportunities for growth. We believe that diverse perspectives enhance our creativity, problem-solving abilities, and overall success.
Application Process:
Interested candidates should submit only their CV and a cover letter to kazi@pesapal.com, stating the sector they are applying for in the subject line. Applications must be received by Friday, 6th February 2026. Certificates and testimonials need NOT be attached.