Product Auditor

Audit
Lagos
October 2, 2026
Remote
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Job Description

Moniepoint is seeking a detail-oriented Product Auditor to provide independent assurance over the design, implementation, and operating effectiveness of product controls across payment, wallet, settlement, switches and other related products across the organisation


Location: Lagos, Nigeria
Job Type: Remote



Key Responsibilities

  • 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.
  • 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.
  • 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.
  • 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.

 

Key Requirements

  • 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: translating product documentation into control flowcharts
  • Mathematical precision: fee calculations, interest computations, and split payment structures
  • Pattern recognition: detecting anomalies, outliers, and irregularities in large transaction datasets
  • Risk-based audit methodology: IIA Standards and COSO framework applied to financial products.
  • Control design logic and evaluation
  • Root cause analysis
  • Regulatory knowledge: CBN payment system regulations, PCI DSS, NDPR,Nigerian consumer protection obligations etc

 

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