Operations Lead - Money Transfer & Bureau de Change

About the role

TestHiring is recruiting an Operations Lead in Harare, Zimbabwe, to manage end-to-end Money Transfer and Bureau de Change operations across all branches and channels. The role oversees the full remittance lifecycle, from partner funding and transaction processing through customer payout, settlement and reconciliation, and ensures operations comply with regulatory and internal requirements.

Key responsibilities

• Monitor transaction volumes, pending, failed, unpaid and reversed transactions, and keep an up-to-date exception register.
• Oversee branch opening and closing, teller floats, cash counts, system checks and end-of-day reporting.
• Maintain a consolidated daily float position and set minimum, target and maximum float levels, funding triggers and approval limits.
• Prepare daily and 7-day liquidity forecasts and rebalance currency positions to avoid shortages or excess exposure.
• Implement approved FX rates and controls, including authorisation for rate overrides and large transactions.
• Ensure compliance with RBZ, Exchange Control, ADLA, AML/KYC and internal policies, and enforce KYC/CDD/EDD, sanctions screening and transaction limits.
• Own and maintain the Financial Services Operations Manual and SOPs, and enforce maker/checker controls, segregation of duties and surprise cash counts.
• Manage relationships with MTOs, banks, correspondents, payment processors and mobile wallets, and support onboarding of new partners and corridors.
• Produce a daily operations dashboard and weekly and monthly performance reports; identify improvements to capacity, loss prevention and profitability.

Required profile

• Degree or diploma in Finance, Banking, Accounting, Economics, Business or a related field.
• Minimum 5 years' experience in a managerial or senior operations role in banking, money transfer, Bureau de Change, treasury, payments, fintech or remittances.
• Experience managing supervisors and frontline operational teams.
• Experience working with banks, MTOs or other payment partners is preferred.

Required skills

• Practical experience in cash, FX, settlement and reconciliation operations.
• Working knowledge of AML/KYC requirements in a regulated financial-services environment.