To support and execute internal audit engagements related to Branchless Banking (BB) operations by leveraging data analytics, system audits, and process evaluations. The role focuses on identifying control weaknesses, anomalies, and potential regulatory non-compliances in digital financial services, while enhancing risk-based and data-driven audit practices.
• Extract, analyze, and interpret data from core Branchless Banking systems.
• Conduct data mining to detect unusual transactions, control gaps, duplications, and processing exceptions.
• Reconcile system-generated data with operational and financial records for accuracy and completeness.
• Support audits of Branchless Banking services including Retailers, Merchants, Wallets, G2P payments, and Franchise operations.
• Test effectiveness of controls in areas such as transaction processing, agent/wallet management, commission disbursement, and fee application.
• Monitor compliance with SBP MFB regulations, BB guidelines, Agent Onboarding Frameworks and internal procedures using data analytics.
• Identify potential fraud, money laundering (ML), or terrorist financing (TF) patterns within digital financial channels.
• Design and develop dashboards and reports using tools like Power BI, Tableau, Excel, or ACL for anomaly detection and trend analysis.
• Assist in scripting and automating audit procedures using SQL, ACL, Python, and other tools to improve efficiency and audit quality.
• Contribute to continuous audit and monitoring initiatives by developing proactive audit routines.
• Document audit observations with relevant data evidence and maintain comprehensive working papers.
• Collaborate with IT, Compliance, Risk, and BB Operations teams to understand data flows and internal controls.
• Present audit findings in a structured, actionable, and insightful format to internal stakeholders.
Required Skills & Competencies:
• Analytical and problem-solving skills with attention to detail.
• Understanding of data analytics tools (SQL, ACL, Power BI, Python, Excel). •Understanding of Branchless Banking operations, digital financial services, and SBP regulatory framework.
• Communication and report-writing abilities.
• Familiarity with risk-based auditing techniques.
• Ability to work independently and within cross-functional teams.
Qualifications & Experience:
• Bachelor’s or Master’s degree in Accounting, Finance, Commerce, Computer Science, or a related field.
• 1–2 years of relevant experience in internal audit, risk management, or data analytics—preferably in financial or digital banking services.
Job Locations:
Head Office
About MMBL:
Mobilink Microfinance Bank Ltd. is providing banking services to over 48 million registered users including 20+ million monthly active customers across Pakistan. With a hybrid model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 114 branches and 270,000 branchless banking agents and provides a USSD (GSM) based digital channel offering savings, micro enterprise (MSME) loans, small housing loans, remittances, collection (utility bills and loan installments), mobile wallets, insurance, G2P, B2B & B2P payments; thus, playing a leading role in the promotion of financial inclusion.
MMBL is committed to fostering a positive and productive workplace, and our core values reflect this focus. These values include promoting innovation and entrepreneurship, encouraging teamwork and collaboration, and prioritizing a customer-centric approach in all aspects of our business.
Why Join MMBL ?
This is an opportunity for someone who is passionate about making a difference and playing a key role in driving transformative change. Our team is committed to empowering millions with the tools necessary to succeed in the digital age, and we're looking for a talented individual to join us in this endeavor.