Risk & Compliance Officer

Job Summary

The RCO will distribute their time at the branch and in the field where Mutahid operations are executed. The RCO will verify compliance with internal policies and procedures as directed by the Head of Risk & Compliance and will report any deviations from the policy in a timely manner. S/he will also ensure Mutahid operations are in compliance with all other regulatory/governmental/donor guidelines/directives.

Financing application files and client verifications are important functions of the RCO. As directed by the HRC and policy manual, the RCO will select clients for testing based on established risk factors and procedures. The RCO will document any findings, follow up with affected local staff, and compile regular reports for the HRC. Random pre and post-disbursement checks will be conducted on client files to ensure their completeness in line with policies and regulations.

Duties & Responsibilities

Main Responsibilities:

مسؤولیت های اصلی:

• Verify the accuracy and completeness of the Murabaha documentation, follow up on missing items, and report all findings to the line supervisor.
• Complete other compliance activities as assigned by HRC in accordance with the work plan.
• Verify compliance with Mutahid credit manual policies by monitoring activities related to portfolio monitoring, repayments, and other routine lending activities as directed by HRC.
• Submit reports to HRC regularly, including all observations from control and compliance issues or topics that need the HRC’s attention.
• Submit reports to HRC regularly that summarize activities and observations, comparing actual tasks performed with the work plan for that month.
• Immediately report all suspicious activities (both internal and external), instances of staff attempting to influence information or inappropriate use of Mutahid resources, or any other critical situation that endangers the affiliate or its employees.
• Report any Mutahid staff behavior that may influence the work and significant observations that may indicate major control weaknesses.
• Identify and report the reputational risk of Mutahid within the branch staff immediately.
• Report any fraudulent involvement of branch staff in disbursement or repayment in the portfolio immediately.

Administrative Responsibilities:

مسؤولیت های اداری:

• Conduct supervision of fulfillment of policies and procedures of affiliates in compliance with current memorandums, orders, etc.
• Conduct special investigations on inquiries as assigned by the HRC.
• Organize reports in systematic storage according to the affiliate’s requirements.
• Keep track of recommendations’ fulfillment.

Liabilities:

مسؤولیت ها:

For inapplicable and poor execution of functional responsibilities, wrong conclusions and recommendations, and insufficient involvement in the process of identification and disclosure of shortcomings during the control, the following actions are applicable:

• Verbal remarks.
• Reprimand.
• Dismissal.
• A financial liability is applicable according to the employment contract.

Job Requirements

Qualifications:
مواصفات:

• University degree in economics, finance, or related areas.
• 3 to 4 years of related experience.
• Proficiency in local language(s), and English desirable.
• Confident PC user.
• Analytical skills:
• Ability to work in groups, integrity, flexibility, and strong organizational skills.
• Ability and willingness to spend time in the field.

Note: The related officers in Risk and Compliance will have 100% field work activities as well according to plan.

Submission Guideline

Interested candidates can send their CVs to: vacancies@mutahid.org.af

Note: Candidates must write the position and reference number in the email's subject line. (RCO, Mutahid-SMG/42/2025)