Lead Customer Onboarding

Ready to Shape the Future of Customer Onboarding?

At Mukuru, onboarding is more than getting a customer through the door. It is about creating afast, secure and trusted first experience, while protecting customers and the business from financial crime and fraud.

We’re looking for an experiencedLead: Customer Onboarding to take ownership of our end-to-end onboarding and identity operations. You’ll bring togetherCompliance Operations, Number Change and Verifications, while helping us build a digital-first, risk-based onboarding experience across multiple markets and products.

This is a role for someone who understands the balance betweencustomer experience, regulation, risk, technology and growth.

What You’ll Own

Transform the Onboarding Experience

• Define and deliver the customer onboarding strategy and target operating model.
• Build scalable, digital-first onboarding processes.
• Drive automation and straight-through processing to reduce unnecessary manual intervention.
• Help create onboarding journeys that support growth while maintaining strong controls. 

 Keep Customers and the Business Safe

• Oversee KYC, CDD and EDD within a risk-based framework.
• Strengthen digital identity and document verification across customer channels.
• Oversee sanctions, PEP and adverse media screening.
• Strengthen controls against identity fraud, document fraud, SIM-swap and account takeover.
• Partner with Financial Crime, AML, Fraud Risk and Compliance on escalations and controls. 

 Turn Technology into Better Experiences

• Partner with Product and Engineering to automate onboarding processes.
• Support business requirements and UAT for onboarding, case-management and screening tools.
• Manage identity verification, biometrics, screening and data vendors.
• Explore capabilities such as AI-assisted document review where they add value. 

 Let the Data Tell the Story

You’ll track and use insights across areas including:

• Customer onboarding conversion and drop-off
• Auto-approval rates
• Turnaround times and backlogs
• Quality accuracy
• False-positive rates
• Fraud losses
• Cost per verification 

You’ll turn this information into meaningful insights that help leadership improve performance, manage risk and identify opportunities. 

Lead People, Not Just Processes

You’ll lead the Team Leaders responsible forCompliance Ops, Number Change and Verifications, building capability and encouraging accountability, quality and continuous improvement. You’ll also oversee workforce planning, capacity modelling, rostering and cross-skilling across the teams. 

What You’ll Bring

Education

• Bachelor’s degree in Commerce, Law, Risk Management, Compliance, Business or a related field.
• A postgraduate qualification in Compliance, Financial Crime or Risk Management would be advantageous. 

Experience

We’re looking for someone with:

• 8 years in KYC/CDD, customer onboarding or financial crime operations within banking, fintech, payments or remittances.
• 3–5 years leading multi-team operations through Team Leaders or managers in a high-volume regulated environment.
• 3 years in digital/remote onboarding and identity verification at scale.
• 3 years working with sanctions/PEP screening, fraud prevention or account-takeover controls.
• 2 years leading process automation, systems implementation or operating-model change.

Experience working across multiple jurisdictions, particularly African markets and/or the UK, and experience managing regulatory inspections, audits and remediation programmes are listed as desirable. 

Extra Credentials That Will Stand Out

Recognised qualifications such asCAMS (ACAMS), the ICA Diploma in AML or Financial Crime Compliance, or a Compliance Institute Southern Africa credential are desirable, as is process-improvement certification such asLean Six Sigma Green Belt. 

Your Toolkit

You’ll bring strong knowledge across:

• AML/CFT and risk-based KYC, CDD and EDD
• FATF standards, the FIC Act and UK Money Laundering Regulations
• Digital identity verification, biometrics and liveness
• Sanctions, PEP and adverse media screening
• Fraud prevention and account-takeover controls
• Cross-border payments, remittances and digital banking
• POPIA and UK GDPR
• Process automation and continuous improvement
• Excel and BI tools such as Power BI and Tableau
• Operational risk and control frameworks
• People leadership and performance management