This job has been posted by *Mojaz Support Program*, with the tagline “Lets Bring Change”.
Mojaz Support Program is a well-known non-governmental organization (NGO) and Microfinance Institution working in Pakistan. It is licensed by the Securities and Exchange Commission of Pakistan (SECP) as a Not-for-Profit company. The main work of Mojaz is to provide small loans (microfinance), social support, and community development services to poor and low-income families, especially in rural areas of Punjab.
The organization is headquartered in Narowal, as mentioned in the ad “Opposite Old DCO House Narowal”. It has branches in many districts of Punjab. Its goal is poverty alleviation and financial inclusion, similar to other famous organizations like Akhuwat, Kashf Foundation, and NRSP.
This specific hiring is for the *Risk and Compliance Department*. This is one of the most important and sensitive departments in any microfinance bank or NGO. The Risk & Compliance Department is responsible for ensuring that all branches are following the rules, policies, SOPs, State Bank regulations, and that there is no fraud, corruption, or misuse of money. They are like the internal police or audit team of the organization who conduct field visits and branch inspections.
The ad has been shared via *Bankers Community – Job Alerts | Banking News*, which is a platform that shares banking and microfinance jobs, which further confirms its authenticity as a banking sector related job.
2. List of All Jobs That Have Been Posted
In this advertisement, only *ONE category of job* has been announced, but with *multiple vacancies*.
The job title is:
*Risk & Compliance Officers*
Note that it is written as “Officers” in plural. It means they are hiring more than one person, a team of officers. Unlike the previous ad where only 1 Assistant Store Keeper was needed, here Mojaz needs several officers for different areas of Punjab.
This is a field-based officer level job, not a junior assistant or a senior manager job. It is a mid-level position for graduates with some experience.
3. Name of Each Job, Education Required, Experience and Any Conditions
*Job Title: Risk & Compliance Officer*
This is a detailed breakdown of this job:
*A. Job Responsibilities – What You Have to Do:* The ad has given 9 major responsibilities which show this is a very responsible and tough job:
1. *Field and Branch Visits:* Conduct regular field and branch visits to ensure compliance risk with regulatory requirements, policies, and SOPs. You will have to travel daily to different branches. 2. *File Checking:* Review loan files, KYC, AML/CFT controls, and client documentation for accuracy and completeness. KYC means Know Your Customer, AML means Anti Money Laundering, CFT means Combating Financing of Terrorism. You have to check if all loan documents are complete and genuine. 3. *Monitoring:* Monitor disbursement, recovery, and cash-handling practices to identify gaps, irregularities, or fraud risks. You have to check if loan disbursement and recovery of money is done honestly. 4. *On-Ground Checks:* Perform on ground compliance checks, spot verifications, and process validations at branch level. This means surprise visits to branches. 5. *Identify Breaches and Reporting:* Identify compliance breaches, operational risks, and control weaknesses, and recommend corrective actions. Prepare Risk & compliance inspection reports and follow up on implementation with branch management. 6. *Audit Support:* Support internal/external audits and regulatory inspections through field-level verification. 7. *Risk Identification and Treatment:* Identify risks and find solutions to treat them. 8. *Training and Guidance:* Provide Risk & compliance guidance and awareness to branch and field staff during visits. 9. *Rotation-Based Job:* It is clearly written “It is a rotation-based job.” This is a very important condition. It means you will not be posted permanently in one city. After every few months, your location will be changed and you will be rotated to another district in Punjab to avoid familiarity and ensure transparency.
*B. Education Required:* Under the heading “Requirements”, it is mentioned:
– *Bachelor’s degree with 1-2 years of relevant experience.*
This means: – You must have a Bachelor’s degree – BA, BSc, http://B.Com, BBA, BS – any 14 or 16 years of education is acceptable. Master’s is not compulsory. – The degree can be from any recognized university. The ad does not mention a specific specialization like HR or Finance, so any graduate can apply.
*C. Experience Required:* – *1-2 years of relevant experience.* – Relevant experience means experience in Risk, Compliance, Audit, Operations, or Microfinance field. If you have worked in a bank, microfinance institution (like Khushhali, FINCA, U Microfinance), or NGO in audit or compliance, you will be preferred. – Fresh graduates without any experience are NOT eligible. You need at least 1 year of experience.
*D. Other Skills and Conditions:* – *Skills:* Strong operational control, people management, and field coordination skills. You must be able to control branch operations, manage people, and coordinate field work. – *Salary and Benefits:* “Market competitive salary with Fuel And Communication Allowance.” This means they will give you a good salary according to market standards plus separate money for petrol/fuel for your bike/car and mobile phone allowance because it is a field job requiring constant travel. – You must be willing to work anywhere in Punjab and work on a rotation basis. – You must be honest, bold, and able to report fraud without any fear.
4. Location of the Job
The location is mentioned very clearly at the bottom right of the advertisement with a location icon:
*Location: Anywhere in Punjab*
This is a very broad location.
– It means the job is not for one city like Lahore or Narowal. It is for the whole Punjab province. – You can be posted in any district of Punjab – Lahore, Gujranwala, Sialkot, Narowal, Sheikhupura, Faisalabad, Multan, Bahawalpur, etc. – The head office is “Opposite Old DCO House Narowal” where you can go for more information, but your actual job posting will be anywhere in Punjab as per company need. – Because it is a rotation-based job, even if you are initially posted in your home district, after 6 months or 1 year, you will be transferred to another district. So you must be mentally prepared to live and work in different cities of Punjab.
This type of posting is common for Audit, Risk, and Compliance jobs to maintain independence and avoid any personal relationships with branch staff.
5. How to Apply for the Job and What is the Last Date
*How to Apply:* The application procedure is simple and is done via email.
You have to send your CV and Cover Letter to:
*Email: jobs@mojaz.org*
This is the official email of Mojaz Support Program. The ad says “Send your CV & Cover Letter to: Email: jobs@mojaz.org”. So you must attach two documents: 1. Your updated CV / Resume 2. A Cover Letter explaining your relevant experience in Risk and Compliance.
Make sure your CV clearly mentions your Bachelor’s degree and your 1-2 years of relevant experience in microfinance, banking, or audit.
For more information, you can also visit their office: *Opposite Old DCO House Narowal*
*Last Date to Apply:* There is *NO last date or deadline* mentioned in this advertisement. The ad does not say when it will close.
This means it is a rolling recruitment. The organization will keep receiving CVs and will hire officers as and when needed for different branches. However, because the location is anywhere in Punjab and they need multiple officers, they are hiring urgently.
It is strongly advised to apply *as soon as possible*. Do not wait, because such jobs in microfinance NGOs get filled quickly. Send your CV today to increase your chances of being shortlisted.
6. General Information About This Advertisement
This advertisement provides very valuable knowledge for people who want to build a career in Banking, Microfinance, and Compliance.
*First, it shows the importance of Risk & Compliance in Pakistan’s financial sector.* After strict regulations from the State Bank of Pakistan (SBP) and SECP, every microfinance bank and NGO must have a strong Risk & Compliance department to control fraud, money laundering, and ensure customer data protection (KYC). Jobs like this are increasing day by day and have excellent future growth. After working as a Risk & Compliance Officer, you can become a Risk Manager, Compliance Manager, or even Head of Risk in a big bank.
*Second, it is a field-oriented job, not a desk job.* Many graduates want to sit in an air-conditioned head office. But this job requires regular field and branch visits, spot verification, and on-ground checks. You will be on the road most of the time, visiting clients, checking loan files, and verifying cash. This is why they are giving Fuel and Communication Allowance. If you like traveling, field work, and investigation-type work, this job is perfect for you.
*Third, it explains key banking terms.* The ad mentions KYC, AML/CFT, disbursement, recovery, and cash-handling. For a commerce or banking student, this ad is educational. KYC means you must verify the identity of the customer, AML means you must ensure money is not being used for illegal activities. This job teaches you all the core concepts of modern banking compliance.
*Fourth, the concept of Rotation-Based Job is important.* Many people leave such jobs because they don’t like transfers. But in Risk & Compliance, rotation is a policy to maintain transparency. If an officer stays in one branch for too long, he may develop personal relations and may hide fraud. Rotation keeps the system clean. So you must have a flexible mindset.
*Finally, the ad is authentic and has a clear growth path.* The organization is genuine, with an official website and email domain @mojaz.org. The salary is market competitive with allowances. For a Bachelor’s degree holder with 1-2 years of experience living anywhere in Punjab, especially in Narowal, Gujranwala, Sialkot belt, this is a very good opportunity to enter the NGO and microfinance sector and grow into a senior compliance professional.
Security ghad
As a supervisor in the masood textile mills limited