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Samson Makutu

@samsonmakutu

Risk & Compliance Officer at EPAY MOBILE MONEY LIMITED, monitoring mobile money risks and strengthening compliance controls.

Malawi

Message

At EPAY MOBILE MONEY LIMITED, I develop and monitor risk and compliance frameworks, assess operational and regulatory risks, and support AML/CFT and KYC controls for mobile money operations.

At VITALITE GROUP LIMITED, I analyzed credit portfolios and repayment trends, and developed dashboards to support decisions. I also managed implementation of the Government of Malawi–World Bank funded Ngwee Ngwee Ngwee Fund project, coordinating solar home system installations and results-based financing verification.

Experience

Work history, roles, and key accomplishments

Current

Risk & Compliance Officer

Current

Epay Mobile Money Limited

Sep 2026 - Present (1 month)

Develop and monitor risk management and compliance frameworks, policies, procedures, and internal controls. Identify, assess, and monitor financial, operational, regulatory, fraud, and compliance risks across business operations.

Risk Management Compliance AML CFT KYC CDD EDD Fraud Prevention Internal Controls Regulatory Reporting Risk Assessment KRIs Transaction Monitoring Incident Management Corporate Trainer

Business Analytics and Risk Coordinator

Vitalite Group Limited

Feb 2023 - Feb 2026 (3 years)

Conducted portfolio audits and advanced data analysis to identify KPIs, repayment trends, delinquency patterns, and credit risk exposure. Developed and maintained analytical dashboards and management reports to support strategic and operational decision-making.

Data Analysis Portfolio Audits KPI Tracking Credit Risk Assessment Dashboard Development Management Reporting Fraud Detection KYC Compliance Risk Mitigation Data Driven Strategy Training

Project Manager (Concurrent Role)

Vitalite Group Limited / Ngwee Ngwee Ngwee Fund (NNNF)

Feb 2024 - Aug 2025 (1 year 6 months)

Led planning and implementation of the Government of Malawi–World Bank funded Ngwee Ngwee Ngwee Fund (NNNF) project focused on accelerating off-grid solar electrification. Coordinated rollout of NNNF-supported solar home system installations in line with approved targets, timelines, and technical standards.

Project Management Results Based Financing Stakeholder Coordination Compliance Risk Mitigation Data Analysis Reporting Audit documentation Resource Allocation Monitoring and Evaluation

Accounting Intern

Hagec Accounting Consultancy

Jul 2022 - Dec 2022 (5 months)

Assisted in preparation of invoices, expense reports, financial statements, and management summaries. Performed account reconciliations and variance analysis to ensure accuracy of financial data.

Invoicing Expense Reports Financial Statements Account Reconciliation Variance Analysis VAT PAYE Tax Computation Bookkeeping Journal Posting Bank Reconciliation General Ledger Accountant Cash Flow Statements Budgeting Forecasting

Accounts Assistant

Dez Investment

Apr 2021 - Mar 2022 (11 months)

Processed and reconciled invoices, expense reports, and staff reimbursements in compliance with internal controls. Maintained accurate accounting records including bank reconciliations, petty cash, and ledger postings.

Invoice Processing Reconciliations Expense Reports Payroll Statutory Deductions PAYE Pensions TEVET Management Accounts Financial Statements Audit Schedules Accounts Receivable Payables Cash Flow Management

Data Entry Clerk

Baobab Health Trust

Sep 2017 - Aug 2019 (1 year 11 months)

Entered, cleaned, and validated health data into national systems including ART, HTS, ANC, and TB databases. Supported data quality assurance and workstation setup across designated health facilities.

Data Entry Data Cleaning Data Validation Health Information Systems Art HTS ANC Tuberculosis Data Quality Assurance Workstation Setup

Accounts Clerk

C To C Engineering Ltd

Jun 2016 - May 2017 (11 months)

Supported general accounting functions including voucher preparation, cheque processing, and budget monitoring. Assisted with bank reconciliations and maintenance of accurate financial records.

Voucher Preparation Cheque Processing Budget Monitoring Bank Reconciliation Financial Records VAT Withholding Tax Audit documentation