LemFi

• Review & Decide: Assess transaction monitoring, customer verification, and sanctions screening alerts and make accurate, timely decisions. • Investigate Risk: Perform enhanced due diligence on higher risk customers and provide clear, well reasoned recommendations to Compliance leadership. • Escalate Appropriately: Conduct first level reviews of customers or transactions displaying red flags and escalate suspicious activity when required. • Support Partners: Fulfill due diligence and RFI requests from payments and banking partners in line with agreed SLAs. • Serve Customers: Respond to compliance related customer tickets with clarity, professionalism, and empathy. • Collaborate & Learn: Work cross functionally and continuously build knowledge of emerging AML typologies, risks, and criminal trends.

• Lead, coach, and develop a team of AML analysts by providing regular feedback, tailored coaching, and early performance support. • Oversee the review of systematic alerts triggered by suspicious activity, ensuring every investigation is thorough, well-reasoned, and clearly documented from first review through to closure or escalation. • Perform independent quality reviews of completed TM investigation decisions before closure or escalation. • Proactively identify issues and inefficiencies in processes and drive solutions through a mix of partnerships, technology, process, and procedure changes. • Track and report on key team metrics, including SLA adherence, QA pass rates, and false-positive trends, using these insights to guide coaching and process improvements. • Partner with compliance on complex or high-risk cases and represent the team's findings clearly when escalating to senior stakeholders. • Keep up to date with evolving AML typologies and regulatory expectations relevant to LemFi's markets. • Flag control weaknesses, high-risk cases, or tooling/process issues to leadership promptly and clearly, following agreed protocols.

• Run the day-to-day BSA/AML operation: SAR quality, FinCEN regulatory reporting, and transaction monitoring, escalating material issues and deputising for the CCO when they are out. • Own the consumer compliance programme operationally: UDAAP, Reg E, CAN-SPAM, and TCPA reviews of marketing and advertising materials, plus disclosure maintenance and complaints intake through to resolution. • Lead the consumer complaints programme end-to-end, spotting systemic issues and proposing root-cause fixes rather than just closing tickets. • Support multi-state MTL compliance, including licence renewals, regulatory notifications, and examination preparation across all active LemFi US states. • Manage sponsor bank compliance commitments, keeping the status documented, open items tracked, and the CCO informed before things become surprises. • Contribute to US compliance sections of board and executive management reports, and support the group-wide compliance risk assessment. • Use AI tools to accelerate policy drafting, evidence pack preparation, and regulatory research, freeing your own capacity for the judgement calls that actually need you.

• Own user acquisition targets for Ghanaian diaspora communities across the UK — online and offline — and hit them • Travel across the UK (3–5 days every 2–3 weeks) to represent LemFi at community events, expos, and partner meetings, turning presence into pipeline • Build and manage a network of community leaders, grassroots organisations, and local partners; negotiate sponsorships and co-activations that drive measurable growth • Design and execute acquisition campaigns tailored to Ghanaian communities, using data and AI-assisted insights to continuously optimise against KPIs • Serve as LemFi's internal voice of the Ghanaian user — synthesising market research, community feedback, and behavioural signals into sharp recommendations for Product and Marketing • Identify and close partnership deals with relevant businesses and organisations, ensuring every partnership has clear mutual value and tracked outcomes • Act as a trusted brand ambassador — communicating LemFi's mission clearly and persuasively across every channel and setting

• Drive user acquisition across the Nigerian, Ghanaian, East African, and Francophone African corridors in Canada — owning your targets end to end, online and offline. • Travel across Canada (3–5 days in a new city every few weeks) to represent LemFi at community events, expos, and forums — you are the face of the brand on the ground. • Build and manage a network of community leaders, grassroots organisations, and local partners; negotiate and activate sponsorships and co-marketing deals that move the needle. • Run data-informed campaign optimisation — use insights, acquisition KPIs, and AI-powered analysis to sharpen what's working and kill what isn't. • Feed the Product and Marketing teams a continuous stream of on-the-ground intelligence: what users need, what messaging lands, what competitors are doing, what's next. • Organise and lead local events, meetups, and educational sessions that build genuine trust in LemFi's mission — not just brand noise. • Serve as the internal voice of the Canadian diaspora user, advocating for community-specific needs in roadmap and positioning discussions.

• Design and execute user acquisition strategies for your assigned European market • Own community-led growth: plan and run events, meetups, and cultural activations that build genuine trust • Identify, pitch, and land partnerships with diaspora businesses, community organisations, and local influencers • Be the in-market voice of the user: conduct regular market research and surface cultural insights • Track your acquisition funnel and partnership performance with data • Represent LemFi with clarity and conviction • Travel across your market and occasionally across Europe for events

• Own the full acquisition campaign lifecycle across Meta, TikTok, and other paid channels for French-speaking African markets — planning, audience strategy, budget allocation, optimisation, and scaling. • Drive creative strategy for your campaigns: brief, iterate, and maintain a continuous pipeline of high-performing static, video, and UGC assets that are locally relevant and data-informed. • Leverage MMP (AppsFlyer), dashboards and attribution frameworks to measure what's working, allocate budget with precision, and report clear, actionable insights to stakeholders. • Build and execute structured A/B testing plans across audiences, creatives, bidding strategies, and landing experiences — turning hypotheses into validated growth levers. • Support global acquisition efforts across Google App Campaigns, Apple Search Ads, DSPs, and emerging channels when the opportunity is right. • Collaborate closely with Product and Data teams to understand user behaviour post-install and feed those insights back into acquisition strategy. • Use AI tools to accelerate brief writing, creative iteration, audience research, and performance synthesis — always moving faster than the competition.

Role Description LemFi moves money for Francophone diaspora communities across Sub-Saharan and North Africa — corridors that are high-stakes, fast-moving, and deeply underserved. As Head of Francophone Region, you will own the full commercial outcome for these markets: - The P&L - The team - The partnerships - The product launches that unlock the next phase of growth You will report to the Head of Africa, lead a growth team distributed across Europe, and carry direct accountability for take-rate, revenue, and margin targets across two distinct sub-regions. This is not a strategy-only role. You will set the regional direction and then get into the detail: - Pricing corridors - Signing payout partners - Launching cash pick-up in North Africa - Deepening penetration in established Sub-Saharan markets You will be the internal voice of the Francophone region, shaping product roadmaps and go-to-market decisions, and the external face of LemFi to partners and regulators. If you want ownership, complexity, and a seat at a table that genuinely matters, this is it. Qualifications - Professional fluency in French and English — written and spoken; you can run a board meeting in either language. - Proven P&L ownership in a fintech, payments, or remittance business — you have hit take-rate, margin, and revenue targets and can show the numbers. - Track record leading and scaling commercial or growth teams across multiple countries, ideally in a high-growth, distributed environment. - Deep knowledge of Francophone African markets — Sub-Saharan and North Africa — including the regulatory, cultural, and competitive dynamics that actually matter. - Demonstrated success building commercial partnerships, including payout networks, cash pick-up infrastructure, or comparable fintech distribution channels. - Strong analytical instincts — you set strategy from data, not instinct, and you can translate complex performance signals into decisive action. - Willingness and ability to travel across the region and Europe regularly as the business demands. Requirements - Own the Francophone region P&L end-to-end — revenue, take rate, margin — and make the calls needed to hit targets, including pricing, resource allocation, and partner decisions. - Lead and scale the regional growth team across Europe: set goals, build a high-performance culture, hire great people, and cut loose anything holding the region back. - Launch new products across North Africa — starting with cash pick-up — from market entry through to real adoption, working hand-in-hand with Product and Operations. - Scale existing products across Sub-Saharan Francophone corridors: deepen penetration, improve retention, and turn insight into commercial action. - Set and oversee the partnership strategy — payout partners, banks, agent networks, fintechs — ensuring every relationship delivers network coverage, commercial value, and compliance. - Drive user acquisition and activation across online and offline channels, ensuring growth and marketing strategies land with Francophone diaspora and in-market audiences. - Use data and AI tools to model performance, sharpen forecasts, and bring the region's voice clearly into product, pricing, and go-to-market decisions across the wider business. Nice to have - Experience launching new markets or products from zero in Francophone Africa (North Africa a particular plus). - Existing relationships with payout partners, regulators, or banking counterparts across the region. - Familiarity with using AI tools (e.g. LLMs, data copilots) to accelerate commercial analysis, market research, or operational workflows. Benefits - At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. - Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. - Join us to make a meaningful difference, where high performance is a lifeline for millions.

• Reconcile transactions across the general ledger and sub-ledgers, ensuring accuracy and completeness of financial records, including identifying transactions that are complex in nature. • Reconcile bank accounts and credit card transactions. • Provide documentation to support all financial transactions; maintain required files, reports, and data. • Follow up on all outstanding transactions continuously and provide updates to management. • Identify and resolve discrepancies in different accounts, such as double charges, incorrect amounts, or failed bookings. • Complete all daily assigned tasks within set deadlines. • Prepare daily, month-end, and year-end reports. • Monitor and instigate journal postings and reconcile control accounts. • Prepare monthly bank reconciliation reports for the Finance Department regarding all transactions to and from LemFi, with accurate breakdowns. • Prepare and present reconciliation reports to management, highlighting discrepancies and providing insights for decision-making. • Assist internal and external auditors with documentation required to complete their work satisfactorily. • Monitor all banking activities in order to detect irregularities. • Work closely with other departments, such as Finance and Accounting, to ensure smooth financial operations and compliance with policies. • Identify opportunities for process improvements in reconciliation procedures and suggest best practices to enhance efficiency. • Lead investigation and recovery of unsettled transactions with partners and banks. • Ensure the quality and accuracy of data and present it in a way that supports better organisational decision-making. • Liaise with Customer Services and Engineering teams for the resolution of customer requests and disputes within SLA. • Monitor disputed transactions for possible fraudulent activity and report findings to management. • Work with Product and Engineering teams to improve internal processes and support new product development for customer satisfaction. • Analyse income and costs for the organisation based on transactions processed through partner channels. • Maintain relationships with banking and payments partners, and ensure compliance with all partner obligations including periodic filings and reports.

• Own reconciliations, month-end close, and day-to-day accounting tasks, ensuring financial processes are outputting accurate, reliable results. • Identify gaps in financial processes and take ownership of fixing them. • Look for opportunities to automate repetitive tasks as we grow. • Support the rest of the team on financial reporting. • Partner with accounts payable and payroll to gain an understanding of expenses being booked.