Internal Auditor

ePayments Limited is a New Zealand-based financial technology company specialising in cross-border payment solutions, China payment gateway services, digital payment integration, and merchant payment infrastructure. The company supports a wide range of payment channels including WeChat Pay, Alipay, Binance Pay, API-based online payments, POS system integrations, and automated self-service payment solutions.

Position Overview

The Internal Auditor will be responsible for examining, verifying, evaluating and reporting on the company’s financial, operational and managerial processes, systems and outcomes. This role will review internal controls, payment transaction records, merchant onboarding and settlement processes, API and POS integration controls, compliance procedures, operational workflows, risk exposures and business performance reporting to help ensure financial and operational integrity across the business.

The successful candidate will work closely with senior management, finance, operations, compliance, technology, merchant support and external professional service providers to conduct internal audits, identify process gaps, assess risks, recommend practical improvements and support reliable reporting against business, compliance and governance objectives.

Key Responsibilities

• Plan, conduct and report on internal audits covering financial, operational, governance and compliance activities across the business.

• Examine and verify financial records, merchant settlement transactions, payment processing records, reconciliations, operational reports and supporting documentation.

• Evaluate the effectiveness of internal controls, governance frameworks, approval authorities, management oversight processes and reporting systems.

• Review operational processes relating to merchant onboarding, customer account management, payment gateway operations, cross-border transactions, POS integrations and payment settlement activities.

• Assess whether financial, operational and managerial processes support business objectives, regulatory obligations, operational efficiency and reliable reporting outcomes.

• Conduct risk assessments relating to payment transactions, merchant settlements, foreign exchange exposure, payment service arrangements, technology integrations, data handling practices and operational workflows.

• Identify control weaknesses, governance gaps, compliance deficiencies, process inefficiencies and operational risks, and provide practical recommendations for improvement.

• Review business initiatives, new payment channels, strategic partnerships, merchant programmes and operational projects from a governance, risk and control perspective.

• Conduct due diligence reviews and control assessments relating to new products, business opportunities, technology implementations and commercial arrangements.

• Prepare audit reports, working papers, management recommendations and follow-up action plans for senior management.

• Monitor and report on the implementation of agreed audit recommendations and corrective actions.

• Assist in the review and enhancement of company policies, procedures, internal controls, governance frameworks and reporting processes.

• Review the accuracy, completeness and reliability of management information and business performance reporting.

• Liaise with management, finance personnel, operational teams, external accountants, professional advisers, payment partners and service providers to support effective governance and risk management.

• Promote internal control awareness, compliance culture and continuous improvement throughout the organisation.

• Maintain independence, confidentiality, professional judgement and accurate audit documentation in all audit activities.

Requirements

• Bachelor's degree or higher qualification in Finance, Accounting, Commerce, Business Administration, Economics, Risk Management, Information Systems or a closely related discipline.

• At least five years of experience in internal audit, external audit, risk management, corporate governance, compliance, financial control, due diligence, investment review, corporate finance, business process review or other related assurance, control or oversight functions.

• Strong understanding of internal controls, risk management principles, governance frameworks, audit methodologies and business process evaluation.

• Experience assessing financial, operational or managerial processes and identifying opportunities for improvement.

• Ability to analyse financial and operational information, evaluate risks and prepare practical recommendations.

• Strong report writing, analytical and communication skills.

• High level of integrity, independence and professional judgement.

• Proficiency in Microsoft Excel and business reporting tools.

• Experience in financial services, payment services, fintech, merchant acquiring, banking, e-commerce, cross-border trade or regulated industries will be highly regarded.

• Ability to communicate effectively in both English and Mandarin Chinese will be advantageous due to the company's cross-border business activities and merchant client base.

Personal Attributes

· Independent, objective and professionally sceptical.

· Reliable, organised and highly detail-oriented.

· Strong sense of professional integrity, confidentiality and accountability.

· Analytical and comfortable working with financial, operational and compliance information.

· Able to work under pressure and meet audit, reporting and follow-up deadlines.

· Comfortable working in a technology-driven and compliance-focused financial services environment.

· Strong problem-solving ability and willingness to improve internal systems, controls and processes.

What We Offer

· Opportunity to work in a growing fintech and digital payment business.

· Exposure to cross-border payment operations, merchant settlement, risk control and international payment solutions.

· A professional, technology-focused and compliance-oriented working environment.

· Competitive remuneration based on experience and capability.

· Long-term career development opportunities within internal audit, risk management, compliance and business governance.