Senior Investigations Officer

Role Overview

This position owns the full arc of every internal investigation at M-KOPA — from the moment a concern is first reported until the file is closed — across Kenya, Uganda, Nigeria, Ghana and South Africa. The work sits at the intersection of fraud examination, employee relations and governance: you will interview people, secure and assess evidence, and translate messy, sensitive facts into findings that hold up to scrutiny by HR, Legal, country leadership and ultimately the Board. Because complainants, subjects and the wider business all depend on this role being impartial, the employer is looking for someone whose judgement and discretion are as strong as their investigative technique.

Key Responsibilities

• Run investigations from start to finish — deciding whether a report warrants a case at all, scoping the work, gathering documentary and digital evidence, interviewing complainants, witnesses and subjects, analysing what the facts actually show, and writing the final account.
• Apply a consistent investigative method whether the allegation concerns fraud, workplace misconduct, harassment, safeguarding or a breach of company policy, so that outcomes are defensible and comparable case to case.
• Keep a complete, well-organised record of everything collected on each case, strong enough to withstand challenge in a disciplinary hearing, tribunal or court, and recommend proportionate outcomes plus fixes for any control gap the case exposed.
• Work closely with HR, Legal, Risk and in-country leadership throughout a case, handling difficult conversations with both complainants and subjects in a way that is fair, empathetic and confidential.
• Produce the monthly and quarterly investigation packs for the Head of Internal Audit & Risk and the Board Audit & Risk Committee, covering volumes, recurring themes, outcomes and any emerging risk signals worth the Board's attention.
• Keep the whistleblower and grievance programme running day to day — making sure each concern raised is assessed, logged and acted on in line with policy and recognised IIA/ACFE practice — and act as custodian of the case management platform, including evidence storage and reporting, so data stays accurate and confidential.
• Read across case data for patterns and systemic weaknesses, then feed those insights into audit planning and risk reporting rather than leaving them locked in individual files.
• Help modernise the wider audit function: promote the use of M-KOPA's technology and AI tools for risk sensing, scoping, testing and reporting; embed analytics and continuous monitoring; and support adoption of audit management platforms, workflow automation and digital working papers with proper controls over evidence, versioning and review.
• Coach colleagues in the Internal Audit team on analytics- and AI-enabled techniques, contribute to methodology and standards, and maintain strict independence while managing conflicts of interest as they arise.

Requirements & Qualifications

• A degree from a recognised university in a business discipline, law, criminology or a closely related field.
• Certified Fraud Examiner (CFE) certification is mandatory. Additional credentials such as CIA, CISA, forensic accounting or a specialist investigations qualification are welcomed.
• At least eight years' professional experience, including substantial hands-on casework in internal investigations covering fraud, misconduct, harassment or safeguarding matters. Background in financial services, fintech or another regulated, multi-country environment is preferred.
• Proven track record of writing investigation reports and presenting findings to senior executives and, ideally, Board-level committees.
• Demonstrable integrity and ethical judgement — this is a role where both the person raising a concern and the person under investigation must be able to trust you.
• Strong interviewing ability: building rapport quickly, asking incisive questions, and holding a neutral, composed position when conversations become pressured or emotional.
• Clear, precise writing that turns complex evidence into factual, reasoned conclusions.
• Confidence and sensitivity in working with HR, Legal, Risk and country leadership, and the maturity to handle highly confidential, emotionally charged material calmly.
• Capacity to carry a live caseload across several investigations at once, reprioritising as circumstances shift.
• Comfort operating across different markets and cultures, including a willingness to travel.

Reporting Line

The role reports to the Head of Internal Audit & Risk.