Bede, a Zain Fintech company launched in Sudan in April 2025, is dedicated to delivering innovative and secure digital financial solutions that enhance financial accessibility and convenience for individuals, businesses, and institutions. Through its digital wallet and expanding fintech ecosystem, the company provides integrated payment, transfer, and merchant services across Sudan. At Zain Fintech, we are committed to building trusted, accessible, and customer-centric financial solutions that contribute to the digital transformation and financial inclusion of Sudan.

Division:  General Manager Office

Department/Section:     Regulatory Affairs & Compliance

Job Title: Regulatory & Compliance Manager

Reports To: FinTech General Manager

To develop, implement, and oversee the regulatory compliance framework of the Bede Organization, ensuring adherence to applicable financial regulations, licensing requirements, anti-money laundering (AML) standards, consumer protection laws, and corporate governance practices while minimizing regulatory risks. The Regulatory and Compliance Manager is responsible for ensuring that the organization operates in compliance with all applicable laws, Central Bank of Sudan regulations and regulatory requirements, and internal policies while supporting business growth and innovation.

• Monitor and interpret regulatory requirements issued by the Central Bank of Sudan, financial regulators, and other relevant authorities.

• Ensure continuous compliance with applicable laws, regulations, and industry standards.

• Develop and maintain regulatory compliance policies, procedures, and controls and conduct regular compliance reviews and assessments to identify compliance gaps.

•  Advise management on regulatory implications of new products, services, and business initiatives.

•  Securing and maintaining operational licenses (e.g., e-money, payment processing, digital assets) and acting as the primary liaison with central bank and financial authorities.

• Lead the application process for new license categories (e.g., Micro-lending or International Remittance).

• Prepare and submit all mandatory weekly/monthly regulatory reports (AML/CTF reports, transaction volumes).

•  Coordinate regulatory inspections, audits, and inquiries.

•  Prepare and submit required regulatory reports and disclosures.

• Ensure timely renewal of licenses, permits, and regulatory registrations.

•  Monitor changes in regulatory requirements and communicate their impact across the organization.

• Oversee Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) compliance programs.

•  Ensure effective implementation of Know Your Customer (KYC) and Customer Due Diligence (CDD) processes.

•  Monitor suspicious transactions and ensure proper escalation and reporting.

• Support investigations related to financial crime and fraud prevention.

•  Develop and update compliance policies, codes of conduct, and governance frameworks.

•  Ensure alignment of company practices with regulatory expectations and industry best practices.

• Support the development of internal controls and compliance monitoring programs.

•  Establish compliance monitoring and testing programs and conduct periodic compliance reviews and internal assessments.

•  Track remediation actions resulting from audits and regulatory examinations.

• Ensure Develop and maintain the enterprise compliance risk assessment framework and periodically

• assess regulatory, AML/CFT, consumer protection, and operational compliance risks implementation of corrective actions within agreed timelines.

•  Conduct compliance due diligence on partners, merchants, agents, vendors, and outsourced service providers and Assess compliance risks associated with strategic partnerships.

•  Review and "red line" all NDAs, SLAs, and Commercial Agreements with vendors and partners to protect Bede’s interests.

•  Monitor third-party compliance with regulatory and contractual obligations.

•  Ensure contractual arrangements comply with applicable regulatory requirements and internal governance standards.

•  Educating staff on compliance protocols and advising business units on the regulatory impact of new initiatives, products, or workflows. Conduct performance reviews, provide ongoing feedback, and support employee development and capability-building initiatives.

• Lead, coach, and develop the operations team, ensuring high performance, technical competencies, and adherence to operational standards.

• Ensure compliance with all applicable policies & regulatory requirements in information security.

Qualifications/Experience: -

• B.Sc. in Laws, Economics, Business Administration, Management, Banking & Financial Studies Information Technology, Engineering or any related field.  

• Professional certifications in Compliance, AML/CFT, Risk Management, or Corporate Governance (e.g., CAMS, CCEP, ICA) are highly desirable.

• Master’s degree in business administration, Finance, Risk Management, Law, or a related field is an advantage.

•  Experience in Banking, FinTech Company, Mobile Telecom 

•  Minimum 5 years of experience in Regulatory and Compliance Position.

• Relevant Experience in developing Internal Controls, Governance and Stakeholder Management.

• Minimum 3 years of experience in a supervisory or team leadership role.

Skills: -

• Ability to interpret and apply best practice methods/processes.

• Highly developed communication and presentation skills (verbal and written) in both Arabic and English, including the ability to communicate and present effectively with various levels as well as top management.

•   Hands on strong project management skills.

• Critical analytical thinking and problem solving.

• Ability to build excellent relationships with key suppliers/customers.

• Third party and vender management.

• Planning and organization skills.

• Conflict handling and resolution skills.

• Leadership skills.

• Able to persuade and influence senior manager and employee levels.

• Highly developed skills in use of relevant IT packages including Excel. Word, PowerPoint etc.

• Highly developed reporting skills, metrics, and analytics, including dashboard creation for executive leadership and board reporting.