Product Auditor

Audit Universe & Risk-Based Planning

• 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.

Product Design & Control Assurance

• 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.

Live Product Assessment ( Continuous Audit Review)

• 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.

Go-Live Readiness & Control Gate

• Execute mandatory pre-production Product Audit reviews as an independent control gate for all material releases.
• Confirm reconciliation logic, exception queues, and fallback controls are tested and functional.
• Escalate critical deficiencies with risk ratings and hold recommendations where a product is not safe to release.

Transaction Logic & Mathematical Integrity

• Interrogate the Fee Engine using SQL to mathematically prove that commissions, VAT, discounts, and splits are posted with complete precision.
• Validate duplicate prevention mechanisms and ensure transaction integrity within complex, multi-step payment sequences, and test reversal, refund, and chargeback logic to confirm financial symmetry is maintained in every scenario.

Settlement & Ledger Integrity

• 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.

Product Change & Configuration Integrity

• Confirm that all product modifications: fee tables, routing rules, limit parameters passed through an approved change management cycle.
• Identify silent changes made outside formal release processes and audit the integrity of product master data to ensure it is access-controlled, version-tracked, and consistent with approved product terms.

Vendor & Third-Party Product Risk

• Assess controls over vendor-managed product components, evaluate SLA performance against contractual commitments, and identify single-vendor dependency risks within critical payment flows.
• Evaluate the organisation's ability to detect unilateral changes in third-party API behaviour, fee logic, or settlement processes.

Control Advisory & Stakeholder Engagement

• Engage product and engineering teams early in the design cycle to provide informal control advisory, reducing findings at the formal review stage without compromising independence.
• Participate in design reviews and architecture discussions, and build a control-by-design culture across product teams.

Incident Review, RCA & Regulatory Alignment

• Lead post-incident reviews for product failures,producing structured RCA reports that identify underlying logic failures, not just surface symptoms.
• Assess corrective actions for adequacy and track findings to verify closure.
• Ensure product logic complies with CBN guidelines, PCI DSS, and consumer protection obligations at the design level, and evaluate the regulatory impact of new features before release.

Reporting & Governance

• Prepare risk-rated audit reports for Executive Management and the Audit Committee, leading with findings, financial impact, and required action.
• Maintain a Product Risk Register, deliver quarterly control maturity updates, and ensure governance bodies are never surprised by a product failure that was visible at the design or portfolio review stage.

Required Knowledge & Skills

Technical Skills

• 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

Audit & Risk Skills

• 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

Interpersonal & Professional Skills

• Stakeholder engagement
• Professional scepticism and independence
• Risk-rated report writing

Tools & Platforms

• SQL (PostgreSQL / MySQL / MSSQL)
• AdvancedExcel / Google Sheets
• Claude / AI Tools

Qualifications

• Education: Bachelor’s degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative discipline
• Experience: 3–5+ years in Product Audit, Systems Audit, Financial Data Analytics, or Payment Operations within a fintech or financial services environment
• Certifications: CISA, CIA, or CFE preferred. ACA / ACCA is acceptable when combined with strong technical product experience and data analytics.
• Sector Knowledge: Demonstrated hands-on familiarity with payment product architecture, wallet systems, and regulated payment flows in a Nigerian or comparable market context.

What We Offer You

• Culture: We put our people first and prioritize the well-being of every team member. We’re human, we listen, and we look out for one another.
• Learning: We’re big on growth. You’ll find an environment focused on knowledge sharing, training, and helping you reach your potential.
• Compensation: You’ll receive an attractive salary, pension, health insurance, and an annual bonus, along with other great benefits.

What to Expect in the Hiring Process

1. A preliminary phone call with our recruiter.
2. An interview with the hiring team.
3. A final conversation with a member of our executive team.