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Yellow Card is the largest licensed stablecoin-based infrastructure provider operating across 60+ countries, offering stablecoin payment infrastructure, fiat settlement rails, wallet services, and custom local stablecoin issuance across 50 emerging markets. The company operates a globally distributed team spanning 24 countries.
Yellow Card Zimbabwe will operate as a virtual asset service provider (VASP) regulated by the Financial Intelligence Unit (FIU) at the Reserve Bank of Zimbabwe. This role is the local AML compliance lead and money laundering reporting officer, reporting directly to the Group AMLCO & MLRO based in Johannesburg.
You will serve as the in-country subject matter expert on Zimbabwean AML law and supervisory expectations, building strong relationships with the FIU, Reserve Bank of Zimbabwe, Securities and Exchange Commission, banking partners, and other regulators. You will provide day-to-day compliance support in a high-volume operational environment.
Key responsibilities include:
**Zimbabwean AML Framework & Advisory:** Serve as in-house specialist on Zimbabwean AML law, including the Money Laundering and Proceeds of Crime Act, the new VASP registration regime, FIU directives, FATF standards, and sanctions/counter-terrorist financing requirements. Provide guidance to the Group MLRO on local obligations and translate regulatory developments into actionable advice for product, operations, and leadership teams.
**Regulator & Partner Engagement:** Build trust-based relationships with the FIU, Reserve Bank, and banking partners. Act as the entity's resident compliance contact for registration, renewal, reporting, inspections, and information requests. Represent the Zimbabwean entity in routine regulator interactions in close coordination with the Group MLRO.
**AML Program Implementation:** Support design and continuous improvement of the entity's AML program, including policies, procedures, institutional risk assessment, and customer risk-rating methodology. Ensure controls reflect Zimbabwean requirements on customer due diligence, beneficial ownership, record keeping, and ongoing monitoring. Maintain robust documentation meeting FIU and auditor standards.
**Transaction Monitoring & Investigations:** Review and dispose of large volumes of transaction monitoring alerts in a fast-paced environment, escalating suspicious activity. Conduct enhanced due diligence on higher-risk customers and transactions involving fiat and digital assets, including on-chain analytics and source of funds assessments. Prepare and support filing of suspicious transaction reports to the FIU.
**KYC, Sanctions & Travel Rule:** Support customer onboarding and periodic reviews for Zimbabwean KYB and PEP compliance. Operate sanctions and PEP screening against UN, OFAC, EU, and local lists. Implement and operate Travel Rule processes for virtual asset transfers, including counterparty VASP due diligence.
**Training & Culture:** Deliver AML, sanctions, and crypto-specific risk training tailored to Zimbabwean requirements. Promote compliance culture and act as trusted point of contact for AML guidance.
**Reporting & Governance:** Support the Group MLRO in preparing materials for regulators, audit, Board, and committees. Track regulatory developments in Zimbabwe and the ESAAMLG region. Maintain accurate management information and metrics evidencing AML program effectiveness.
**Requirements:**
- Bachelor's degree in law, finance, accounting, economics, business, or related field
- 1–3 years of hands-on AML, financial crime, or compliance experience at a bank, financial institution, payment provider, remittance company, or fintech regulated in Zimbabwe or comparable jurisdiction
- Strong working knowledge of Zimbabwean AML laws and regulations, including the Money Laundering and Proceeds of Crime Act, VASP registration regime, FIU reporting obligations, and FATF standards as applied in Zimbabwe
- Direct experience working with crypto or digital assets, with clear understanding of VASP-specific risks, blockchain analytics, wallet screening, and Travel Rule implementation
- ACAMS Certified Anti-Money Laundering Specialist (CAMS) certification (required)
- Business-level proficiency in English, written and spoken
- Zimbabwe residency and right to work in Zimbabwe
**Desirable qualifications:**
- Additional certifications: ACAMS Certified Cryptoasset Anti-Financial Crime Specialist (CCAS), Certified Cryptocurrency Investigator (CCI), Certified Financial Crimes Specialist (CFCS), or equivalent
- Completed FIU, Reserve Bank of Zimbabwe, or ESAAMLG-related AML training
- Experience working with Zimbabwean banks, payment providers, or regulators, including direct FIU engagement
- Familiarity with blockchain analytics tools (Chainalysis, TRM Labs, Elliptic)
- Knowledge of Shona and/or Ndebele
- Exposure to cross-border payments and emerging market financial services
