Real-Time Transaction Feature Recovery Leader — Mobile Money

The mandate

The transaction-intelligence director left after investigators found that delayed agent-network features were handled differently by USSD, app and merchant flows during a period of elevated fraud. Some channels fell back conservatively while others used stale values without visible confidence, producing inconsistent customer friction and loss exposure. The regulator expects a named accountable executive and a bounded decision review within sixty days.

The interim must start in Lagos within two weeks for nine months, leading impact analysis, feature control, peak-season operation and permanent succession. Search begins in month two once channel and risk accountabilities are reset. Four weeks of successor overlap are reserved; extension is possible only through a severe active incident, not to complete discretionary feature expansion.

Handover requires every critical agent, device, transaction and network feature to carry freshness, event-time, source, transformation, channel and fallback evidence; the affected population must be reviewed; and three peak simulations must produce consistent documented behaviour. The successor will chair an unseen degraded-network test and accept remaining source, channel, model and customer-review obligations.

The interim may disable features, impose fallbacks, freeze releases, direct the approved ₦18 billion remediation and appoint temporary incident or data-control leads. Risk appetite, customer remediation, permanent hiring, agent suspension policy and spend above budget require the CRO or committee. The authority controls decision inputs but cannot approve individual transactions or redefine fraud policy unilaterally.

Core-wallet replacement, agent commercial strategy and development of unrelated models are outside this assignment. The leader may require channel interfaces and provider evidence but does not own telecommunications coverage, customer pricing or historic data repair beyond a live decision, review or retention need. Work must centre on reproducible real-time inputs and consistent degradation.

Why this seat is open

The incident revealed that feature-platform behaviour varied by channel precisely when network conditions were weakest, then executive departure left Risk and Technology without a common decision owner. A permanent search cannot satisfy the sixty-day review. An interim specialist must restore control through the next peak and leave leadership able to qualify degraded operation independently.

What you will own

• Bound affected transactions by reconstructing agent, device, network and behavioural features alongside event time, serving path, fallback and decision outcome.
• Define critical-feature contracts for freshness, point-in-time correctness, availability, channel consistency, confidence, correction and permitted stale use.
• Decide which inputs may serve normally, require conservative fallback, trigger step-up, enter shadow mode or be withdrawn.
• Direct network-degradation, backlog, clock, source-loss and channel-divergence exercises using production-representative agent and transaction patterns.
• Reconcile customer and fraud consequences with accountable Risk teams while preserving distinction between data evidence and remediation judgement.
• Establish release governance linking feature code, source agreements, online serving, model dependencies, monitoring, rollback and channel acceptance.
• Transfer authority through an unseen degraded-mode exercise, peak review and successor acceptance of outstanding source and customer obligations.

Candidate qualifications

• Held executive decision-data or platform authority for mobile money, digital payments, banking or another high-volume real-time financial network.
• Reconstructed feature behaviour across constrained mobile channels and linked stale or missing inputs to fraud and customer outcomes.
• Designed explicit degraded modes for data-dependent decisions under unreliable connectivity, partner delay and high transaction peaks.
• Worked with regulators and customer-remediation teams after a decision-data incident without overstepping their accountable judgements.
• Governed agent, device, network and transaction signals with appropriate privacy, latency and fallback controls.
• Handed a recovered real-time platform to permanent leadership through observed peak and unseen failure qualification.

Non-negotiables

• Available within two weeks for exclusive Lagos service and prepared to command platform incidents across national payment peaks.
• Has carried production authority in mobile money or comparable constrained-channel financial decisions; generic streaming experience is insufficient.
• No undisclosed interest in telecommunications, alternative-data, feature-platform, fraud or agent-network suppliers in scope.
• Will preserve consistent customer treatment across channels even where conservative fallback lowers approval or transaction completion.

1. 49 words maximum. State your Lagos availability and one degraded-network feature incident whose transaction population you bounded.
2. 49 words maximum. How would you prove that USSD, app and merchant channels apply the same stale-feature policy?
3. 49 words maximum. Which unseen peak test would qualify the successor to own mobile-money degraded mode?