Hi, I’m
Chidiebere Josephat
Compliance & Risk Specialist
Lagos,LA
Work Preference
Summary
Experienced AML, Financial Crimes Compliance and Risk Specialist skilled in Anti Money Laundering/Countering the Financing of Terrorism/Counter Proliferation Financing (AML/CFT/CPF) regulations, Risk Management, Transaction Monitoring, Fraud Analysis, PCI DSS Compliance Oversight, Know Your Customer (KYC) & Know Your Business (KYB) as well as SAR and CTR rendition. Ready to apply analytical expertise, Data Analysis skills, adept writing & investigation skills, industry best practices and experience to identify and mitigate financial, compliance, reputational and business risks. Holds the DCP Certification from the Compliance Institute of Nigeria (CIN) and the ACIPM certification from the Chartered Institute of Personnel Management (CIPM).
Overview
5
years of professional experience
3
Certification
Work History
MONIEWORLD
Senior Associate: Compliance: Onboarding Operations
04.2025 - Current
Job overview
- Company Overview: MONIEPOINT INC, UNITED KINGDOM
- Designed and rolled out a Risk-Based Onboarding workflow that reduced KYC errors by 18% within 2 months of Employment.
- Developed the Sanctions, PEP & Adverse Media Discounting guidelines for false positive alerts in sanctions, PEP, and adverse media screening thereby standardizing the decision-making process across onboarding and Quality Control Teams, ensuring consistent decision-making across the team.
- Streamlined the EDD review process by including source and level of income analysis, reducing case completion time by 25% while maintaining depth of analysis.
- Delivered targeted show & tell sessions on complex AML, EDD and red-flag identification, increasing the team's accuracy rate in detecting potential financial crime risks.
- Conducted comprehensive CDD, EDD, and KYC procedures for over 2000 high-risk clients, reducing potential AML/CFT/CPF risks and ensuring total compliance with UK regulations, Nigeria regulations and other relevant global regulations.
- Led investigations into >1000 high-risk and complex cases, with a focus on AML Screening (Sanctions, PEP & Adverse Media), Transaction Monitoring analysis, delivering detailed risk assessments with > 90% accuracy.
- Executed thorough PEP assessments for all system-identified PEP clients, providing critical insights to aid Senior management decisioning; thereby ensuring adequate risk mitigation and a reduction in potential regulatory exposure.
- Utilized OSINT and other financial crime analysis techniques such as Network Analysis, Advanced Transaction Analysis & Investigations, Anomaly detection etc to conduct investigations on >200 suspicious/unusual cases, integrating adverse media, transaction monitoring, and KYC reviews, resulting in 98% accurate risk assessment, reduced AML and fraud-risks.
- Acted as an escalation point for complex or high-risk onboarding cases, providing guidance on enhanced due diligence measures and regulatory interpretation.
- MONIEPOINT INC, UNITED KINGDOM
PIGGYTECH GLOBAL LIMITED
Associate: AML & Financial Crimes
05.2024 - 04.2025
Job overview
- Company Overview: PIGGYVEST, NIGERIA
- Developed and implemented an industry-standard Transaction Monitoring, Alert Handling and Case Investigations and Regulatory Reporting (TMIR) Standard Operating Procedure (SOP), resulting in a 15% reduction in alert processing time and a more efficient workflow.
- Developed and implemented Dashboard monitoring for AML Key Indicators and other Key Risk Indicators (KRI) which increased detection of suspicious activity by 40% and improved and increased the Suspicious Activity Reporting (SAR) turnover by 98%.
- Redesigned the Suspicious Activity Reporting (SAR) and Currency Transaction Reporting(CTR) process to ensure compliance with local regulations and in line with best practices which led to an improved NFIU's rating from Non-Compliant to Moderately Compliant.
- Reviewed the AML/CFT/CPF Policy to include Key concepts such as Know Your Employee (KYE), Predicate Offences and Whistleblower protection, strengthening the company's compliance program and compliance to relevant regulations.
- Lead and manage the AML Transaction Monitoring efforts of the Group, serve as MLRO for the group, redesigned the rule parameters for the Transaction Monitoring System which led to a significant increase in suspicious activity detection in line with sectoral risk assessment.
- Collaborated with the larger Compliance team to design and implement a robust e-KYC onboarding program in response to the CBN guidelines on Due Diligence and 3 Tiered KYC guides resulting in a KYC led and compliant onboarding procedure.
- PIGGYVEST, NIGERIA
FLUTTERWAVE TECHNOLOGY SOLUTIONS
Global Financial Crimes, AML & Reporting, Sanction Screening Analyst
11.2023 - 04.2024
Job overview
- Company Overview: NIGERIA
- Consistently exceeded daily targets for investigating escalated transactions and cases, resulting in the timely identification and prevention of potential financial crimes.
- Successfully identified and escalated several high-risk cases, preventing potential reputational damage and financial penalties for the company.
- Surpassed expectations by ensuring the immediate investigation of all internally escalated cases of unusual transactions received and preparation of Suspicious Activity Reports (SAR) for rendition and filing to the NFIU improving compliance by 25%.
- Maintained a 100% accuracy rate in CTR and SAR filings, > 90% accuracy rate in Case Investigations and other matters as may relate to Financial Crimes investigations and Mitigation.
- NIGERIA
FLUTTERWAVE TECHNOLOGY SOLUTIONS
Compliance; Sanction and watchlist Screening Analyst
01.2023 - 10.2023
Job overview
- Company Overview: NIGERIA
- Conducted daily Sanctions, PEP, and adverse media checks on new sign-ups and customer transactions, maintaining 100% compliance with NIGSAC requirements, CBN Targeted Sanctions requirements, FATF recommendations and international relevant regulations.
- Conducted thorough research, OSINT searches and due diligence to assess the validity and risk level of potential sanctions matches, considering factors such as transaction details, customer profiles and geographical information.
- Investigated and validated ownership structure of businesses to establish ultimate beneficiaries for accurate screening and risk rating in line with our Global Sanctions Policy and Global Customer Acceptance policy.
- NIGERIA
FLUTTERWAVE TECHNOLOGY SOLUTIONS
Global Transaction Monitoring and Investigations Analyst
08.2022 - 01.2023
Job overview
- Company Overview: NIGERIA
- Conducted in-depth analysis of customer transactions, identifying and escalating >100 potential money laundering and fraud attempts.
- Collaborated with the team to prepare accurate and complete SARs, ensuring adherence to FATF Recommendation 20 and achieving 80% compliance in regulatory reporting.
- Responded to inquiries from internal escalations regarding transaction monitoring matters, achieving a 90% satisfaction rate with the timeliness and accuracy of responses.
- NIGERIA
Education
Benue State University
Bachelor of Sciences (B.Sc) from Mass Communication
01.2020
University Overview
GPA: 4.10/5.0
Skills
- Regulatory Compliance Management
- PCI DSS Compliance Oversight
- AML/CFT/CPF Compliance
- Enterprise Risk Management
- Visa & Mastercard Risk & Compliance Program Management
- Card Scheme Due Diligence & Risk Profiling
- Business Risk Assessment & Mitigation (BRAM) Program
- Visa & Mastercard Merchant Onboarding Compliance
- Cross-Border Data Protection Compliance
- Fraud Detection
- Fraud Investigation
- Transaction Monitoring
- Anti-Money Laundering
- Sanction Screening
- PEP Screening
- KYC Verification
- Customer Due Diligence
- Enhanced Due Diligence
- SAR and CTR Rendition
- Regulatory Reporting
- Regulatory Correspondence
- Risk Analysis
- Internal Control
- Buyer Risk
- Seller Risk
- GRC
- Cybersecurity
- Data Privacy & Protection
- URL Monitoring
- Sourcefunds and Level of analysis
- Payment Scheme Compliance
- Regulatory Audit Readiness
- Compliance Process Optimization & Workflow Automation
- Compliance Reporting & Audit Preparation
- Data Analysis for Risk Indicators (SQL, Excel)
- Training & Capacity Building for Compliance Teams
- Quality Assurance & AML Process Control
- Data Analysis
- Financial Reporting
- Teamwork
- Collaboration
- Communication
- Problem-Solving
- Investigation
- Financial Products
- Microsoft Office Suites
- Google Suites
- Python
- Power Bi
- Jupyter Notebook
- Unit21
- Sumsub
- LexisNexis
- Sardine
- Regfyl
- Probe Compliance
- OneTrust
- Hawk
- World-Check (Refinitiv)
- Jumio
- ComplyAdvantage
- LegtiScript
Certification
- DCP
- ACIPM
- NIM
Affiliations
Affiliations
- Compliance Institute of Nigeria
Timeline
Senior Associate: Compliance: Onboarding Operations
MONIEWORLD
04.2025 - Current
Associate: AML & Financial Crimes
PIGGYTECH GLOBAL LIMITED
05.2024 - 04.2025
Global Financial Crimes, AML & Reporting, Sanction Screening Analyst
FLUTTERWAVE TECHNOLOGY SOLUTIONS
11.2023 - 04.2024
Compliance; Sanction and watchlist Screening Analyst
FLUTTERWAVE TECHNOLOGY SOLUTIONS
01.2023 - 10.2023
Global Transaction Monitoring and Investigations Analyst
FLUTTERWAVE TECHNOLOGY SOLUTIONS
08.2022 - 01.2023
Benue State University
Bachelor of Sciences (B.Sc) from Mass Communication