Abigail Cherotich

I am a highly skilled professional with 13+ years of experience in anti-money laundering, fraud analysis, and onboarding processes. My expertise includes conducting thorough due diligence, identifying and mitigating risks, and ensuring compliance with regulations and internal guidelines. I have excelled in roles such as Onboarding Operations Associate II, Fraud Analyst, and Onboarding and Due Diligence Analyst, where I assess legal and tax documents, conduct investigations, and implement anti-fraud measures.

My strong communication skills allow me to collaborate effectively with internal and external stakeholders, improving investigative methods and risk mitigation strategies. I am committed to innovation and constantly seeking ways to improve organizational operations and meet yearly objectives.

Onboarding Operations Associate II, Account Operations at Chipper Cash Technologies (2023-09 – 2025-04)

• Interacting with users and getting to know that their complaints have been solved swiftly.
• Getting positive feedback from the users on how their various queries have been resolved.
• I managed to solve several tickets hence enhanced customer satisfaction and meeting the companies' mission of bei
• I resolved customer queries within the least time possible.
• Handling team meetings and getting feedback from my teammates has helped me to provide excellent service to the
• Provide guidance to both internal and external stakeholders regarding documentation prerequisites.
• Assess legal, account opening, and tax documents to ensure compliance with regulatory and internal guidelines for
• Record client information for due diligence purposes and maintain updated profiles within designated systems, cate
• Execute the complete onboarding procedure from start to finish.
• Analyze intricate client arrangements and effectively communicate them to colleagues throughout the organization,

Fraud Analyst at Chipper Cash Technologies (2022-09 – 2023-09)

• I managed to identify patterns and trends in fraudulent activity and proactively communicate with the relevant departments.
• I managed to provide excellent customer service to all customer interactions.
• I managed to thrive in a fast-paced and changing environment with ease and with minimal supervision.
• Conduct thorough investigations utilizing diverse tools and taking responsibility for all researched information documented in each case file.
• Uphold strict confidentiality regarding all information gathered during investigations.
• Scrutinize customer transactions to uncover fraudulent activities such as account takeovers, friendly fraud, identity theft, and related risks.
• Initiate contact with customers via phone and/or email to verify transactional activities and account details.
• Probe chargebacks/fraud claims, furnishing analyses on loss patterns. Evaluate trading and behavioral trends, flagging suspicious accounts to preempt losses and detect fraud.
• Foster productive relationships with both internal and external stakeholders to refine investigative methodologies and mitigate company risk. Compile comprehensive investigation reports for all cases.
• Propose anti-fraud measures to address evolving transaction patterns and trends.
• Generate reports on suspicious activities and risk management for managerial review.

Onboarding and Due Diligence Analyst at Chipper Cash Technologies (2021-09 – 2022-09)

• Successfully pinpointed critical risks within the current client onboarding and verification process while executing CDD/EDD/KYC procedures for both new and existing customers. Additionally, I provided recommendations for future state design based on these findings.
• Identify critical risks within the current client onboarding verification process and propose strategies for future state design aimed at mitigating AML risks while optimizing efficiency and reducing account processing time.
• Execute due diligence (EDD) and conduct preliminary analyses of enhanced due diligence (EDD) for both new and existing customers within the case management system.
• Verify the authenticity, completeness, and accuracy of identification and other CDD/EDD documents.
• Collect data from diverse internal and external sources (including customers and existing electronic files) to complete Know Your Customer (KYC) and Know Your Business (KYB) profiles.
• Conduct initial periodic reviews of customers to ensure the punctuality and precision of the review process.

Anti-Money Laundering Officer at Diamond Trust Bank (2019-03 – 2021-09)

• Conducted thorough investigations and evaluations of alerts/transactions to detect potential financial crime risks within the Bank.
• Implemented measures to ensure the swift identification and surveillance of all flagged transactions, along with the preparation of comprehensive reports and relevant supporting documents for escalation to level 2 AML reviewers, including conclusive findings from the review process.
• Achieved prompt and efficient reporting and escalation of all flagged alerts and suspicious activities in accordance with inquiry/case closure protocols to the Money Laundering Reporting Officer (MLRO).
• Ensured the timely implementation of directives received from the Money Laundering Reporting Officer (MLRO).
• Investigated and assessed alerts/transactions for potential financial crime risks in the bank.
• Monitored on an ongoing basis, whether completed or not, all complex, unusual, suspicious, large, unusual patterns or such other transactions as may be specified in the regulations.
• Thoroughly and succinctly documented the research and analysis related to the financial activity and related entities of Clients, for an audience that includes Management, Regulators, Internal Audit, Senior Managers, and Internal Compliance.
• Performed the due diligence on new Clients, requesting the KYC information, documentation, review and verification of received documentation and making an analytical risk assessment for new Clients.
• Ensured timely, efficient reporting/ escalation of all alerts/ activities of concern in line with the inquiry/ case closure procedures to level 2 AML reviewers and the Money Laundering Reporting Officer (MLRO).
• Timely execution of instructions received from the level 2 AML reviewers and MLRO
• Periodical review of KYC records as to completeness, including verifying that due diligence has been performed and that DTBK (due diligence) standards are complied with; also, that the files and risk assessments are current and up to date.
• Processed entries to open/close clients' accounts on our KYC / Related Parties and CDD database and instruct Client Desk to open/close the accounts on account level in Equation where applicable.
• Conduct manual screening against approved screening lists when manual screening is required.
• Performed ad-hoc screenings, as required, to include screening agents, employees and other third parties.
• Conducted adverse media screening relating to employees, agents and third parties - onboarding and on an ongoing basis (periodic or event-based refresh)

Senior Officer - Branch Operations at Diamond Trust Bank (2014-01 – 2019-02)

• I managed to step in the management position of the branch and act whenever any of the senior branch manageme
• I managed to create a conducive environment and hence enabled the tellers to easily air out the issues without muc
• I acquired new ideas and always willing to share, have trained colleagues on the processes on previous positi
• I managed to relate well with other members of staff and as well as communicate with other departments with eas
• Ensured strict compliance with stipulated branch and teller cash holdings limits.
• Informed the insurance of overnight insurance cover in the event the banks limit is breached.
• Ensured close monitoring of access to secured cash area so that access is limited to authorize personnel only.
• Ensured CIT – (cash in transit) operations are carried out in line with the procedure in place.
• Reported all cash differences to the manager or assistant manager as soon as they are realized.
• Arranged the transfer of excess cash to and from CCMU-Cash Management Unit in line with the procedures.
• Ensured vault cash balances end of each day to the General Ledger and signed off by the two custodians.
• Ensured access to ATMs satisfies dual custody requirement as stipulated in policies and procedures.

Officer/ Teller at Diamond Trust Bank (2012-04 – 2013-12)

Community Internship at Ketitui Local Dispensary (2010-04 – 2010-04)

Intern at Agricultural Finance Corporation (2008-09 – 2008-12)

Master of Business Administration in International Business Option – University of Nairobi (2022 – 2022)

Bachelor of Commerce in Accounting Option – Kabarak University (2010 – 2010)

Kenya Certificate of Secondary Education – Moi Siongiroi Secondary School (2005 – 2005)