Agbom Anelechi, DCP

Results-driven Compliance and Financial Crime Risk Professional with over eight years of progressive experience spanning transaction monitoring, AML/CFT programme management, regulatory reporting, internal risk profiling, and law enforcement liaison across banking and fintech environments.

Certified Designate Compliance

Professional (DCP) with a B.Sc. in Accounting from the University of Lagos, and a demonstrable track record of leading compliance functions, engaging regulators, and building institutional frameworks that withstand supervisory scrutiny. Experienced in operationalising AML/CFT/CPF obligations under the CBN framework, MLPPA 2022, FATF standards, and NFIU reporting requirements. Now seeking to step into a Money Laundering Reporting Officer (MLRO) capacity where deep technical expertise, regulatory fluency, and sound judgement can be applied at a strategic level to protect institutional integrity and drive a culture of compliance.

Compliance AML/FinCrime Reporting Analyst at ChipperCash (2025-03 – Present)

• Serve as the primary point of review for rule-based transaction monitoring alerts generated through Hummingbird, exercising independent judgement on escalation, dismissal, and STR/SAR filing decisions in line with NFIU requirements and internal AML policy.
• Identify and document emerging typologies, trends, and structural patterns of suspicious activity, translating findings into actionable recommendations for process improvement and rule refinement.
• Review and quality-assure escalated alerts from junior analysts, providing guidance on complex cases and ensuring consistency and defensibility of compliance decisions across the team.
• Work directly with the Global Head/MLRO on strategic compliance initiatives, including user acceptance testing (UAT) for new AML tooling and system enhancements — bringing an operational perspective to system design.
• Conduct PEP and sanctions screening reviews using the watchlist tool, determining true versus false matches and dispositioning alerts in accordance with FATF standards and internal sanctions policy.
• Perform KYC due diligence reviews on wallet accounts, including enhanced due diligence where elevated risk indicators are present, and escalate cases with irresolvable identity integrity concerns.
• Lead stock and transaction investigations on wallet accounts and virtual card transactions, producing detailed investigation reports that form the basis of regulatory submissions.
• Conduct fraud analysis on generated alerts, document findings in the case management system, and determine the threshold for further investigation or law enforcement referral.
• Draft and submit Suspicious Transaction Reports (STRs) to the NFIU via goAML, ensuring narrative accuracy, statutory compliance, and appropriate evidentiary framing.

Compliance – Internal Risk Profiling at Fidelity Bank Plc (2023 – 2025)

• Led the review and enhancement of the bank's financial crime risk framework, expanding coverage to encompass regulatory breach risk, insider dealing, market manipulation, data breach risk, sanctions and asset freeze exposure, legal risk, and ESG risk dimensions.
• Conducted and coordinated annual enterprise-wide risk assessments across financial crime, sanctions, and ESG risk categories, producing outputs that informed Board-level risk appetite and management decision-making.
• Developed and drafted institutional frameworks for cash-collateralised exposure and financial crime mitigants, providing governance structures that bridged regulatory expectation with operational practice.
• Collaborated with senior management to build due diligence frameworks for investment products, ensuring financial crime risk considerations were embedded at the product design stage.
• Performed pre-onboarding due diligence and risk assessments on prospective partnership relationships, including fintechs and third-party service providers, with a focus on financial crime and reputational exposure.
• Conducted Ultimate Beneficial Owner (UBO) investigations on complex account structures, including layered corporate entities and nominee arrangements.
• Delivered AML/CFT training to staff and agent banking networks, building institutional awareness of financial crime typologies and individual reporting obligations.
• Revamped due diligence questionnaires for internal, correspondent bank, IMTO, and fintech relationships to align with Wolfsberg Group standards, significantly improving the quality and defensibility of the bank's correspondent banking programme.

Compliance – Transaction Monitoring & Profiling at Fidelity Bank Plc (2020 – 2023)

• Managed financial crime risks arising from customer, product, and counterparty transactions through systematic transaction monitoring using goAML and related AML tooling, with direct responsibility for escalation decisions.
• Conducted KYC remediation exercises and risk-based customer due diligence reviews, identifying and resolving gaps in customer identity and risk classification.
• Provided internal advisory on sanctions exposure, ML/FT risks, customer due diligence standards, and jurisdictional risk considerations, supporting front-line business units in making compliant onboarding and transaction decisions.
• Monitored and reviewed transactions above $1,000 and their local currency equivalents, applying risk-based thresholds and escalating where required.
• Prepared detailed investigation and analysis reports on customers exhibiting financial crime indicators, forming the basis for STR filing and management escalation.
• Conducted invisible trade reviews, identifying trade-based money laundering (TBML) indicators within import and export transaction flows.
• Performed annual due diligence on correspondent and respondent bank relationships, assessing AML/CFT programme quality, jurisdictional risk, and regulatory standing.
• Screened high-risk customers against global sanctions lists in accordance with FATF standards, and responded to correspondent bank requests for supplementary customer transaction information.

Compliance – Law Enforcement Agency Desk at Fidelity Bank Plc (2018 – 2020)

• Served as the primary interface between the bank and law enforcement agencies including the Nigeria Police Force, EFCC, and other LEA bodies, managing all incoming requests for account information and transaction records with strict confidentiality and legal compliance.
• Reviewed account opening packages and customer documentation to ensure completeness and accuracy prior to responding to any LEA inquiry, maintaining defensible audit trails throughout.
• Reported to the NFIU on BVN name changes and customer name amendments in line with regulatory disclosure obligations, ensuring timely and accurate submission.
• Updated and maintained unit policies and standard operating procedures (SOPs) to reflect evolving regulatory guidance and operational best practice.

Bachelor of Science in Accounting – University of Lagos (2024)

National Diploma (2018)