Chidubem Okeke

Results-driven Fraud Risk and Compliance professional with 3 years of experience across fraud investigation, chargeback management, transaction monitoring, and regulatory reporting (SAR/CTR/STR) in banking and fintech environments. Skilled in fraud risk assessment, rule and threshold development, KYC/KYB and AML/CFT compliance, chargeback lifecycle ownership, and case investigation, with a track record of resolving high case volumes, recovering funds, and liaising directly with law enforcement agencies. Adept at strengthening internal controls, partnering with data science and engineering teams to refine fraud-detection rules and models, and driving faster case resolution to protect organizational assets and ensure regulatory compliance.

Seeking a challenging role as a Senior Fraud Analyst where I can leverage my skills and experience to protect organizational assets and contribute to the growth and success of the company

Fraud Risk and Compliance Analyst - PagaTech Limited

(2026-01)

• Resolved high volume fraud and compliance cases, owning end-to-end investigation and case management from report intake and merchant/shopper review through resolution while meeting investigation turnaround time (TAT) and SLA targets.
• Filed Suspicious Activity Reports (SARs), Currency Transaction Reports (CTRs), and Suspicious Transaction Reports (STRs), ensuring compliance with CBN, AML/CFT, PCI DSS, and KYC/KYB requirements across merchant onboarding, activation, and periodic risk reviews.
• Partnered with the data science team to improve and build new features and machine learning model rules, setting appropriate thresholds for transactional scoring systems to strengthen fraud-detection accuracy without over-blocking legitimate activity.
• Developed efficient fraud rules that balanced fraud reduction with maintaining conversion rate, working with Product and Engineering to close control gaps and support risk-scoring models and automated alerts; co-developed procedures embedding daily transaction monitoring as a standard control.
• Managed the full chargeback lifecycle — escalation, evidence gathering, response preparation, and resolution — coordinating with Support, Operations, banks, and payment partners, and applying accurate deductions and recoveries to merchant settlements.
• Monitored merchant activity, transaction patterns, and system alerts via the Fraud Reporting System and internal risk tools to detect anomalies and flag high-risk merchants and accounts for investigation, interpreting scorecards and risk matrices to apply consistent fraud-detection decisions.
• Engaged customers directly by phone, email, and SMS to determine requirements and deliver consistent, timely service in line with communication procedures, informing customers of their rights and obligations to ensure regulatory adherence.
• Liaised directly with law enforcement agencies on fraud investigations and case escalations, supporting timely resolution and fund recovery; reported identified matters, defects, deficiencies, and risks to relevant internal and external bodies in line with escalation and regulatory reporting requirements.
• Prepared weekly and monthly fraud and chargeback reports covering trends, loss/recovery rates, and merchant risk insights, and maintained dashboards for leadership visibility.
• Trained Support, Sales, and Operations teams on fraud patterns and chargeback prevention; introduced direct customer phone outreach in place of email-only contact to accelerate resolution and avoid regulatory sanctions.

Fraud Analyst / Transaction Monitoring - First Bank of Nigeria - Information Security Operations Department

(2024-01 - 2025-12)

• Conducted in-depth analyses of suspicious transactions and accounts, investigating and resolving complex fraud cases using financial analysis, risk assessment, and regulatory compliance expertise, resulting in significant financial recoveries.
• Utilized specialized software, including Smartvisa and Finacle, to analyze transaction data, identify patterns, and detect anomalies, taking immediate action to prevent further losses.
• Called customers directly to conduct Know-Your-Customer (KYC) and account investigations, verifying customer identity and transaction legitimacy.
• Prioritized and responded to fraud reports from branches, other banks, customers, and the general public via email, developing and maintaining comprehensive documentation of investigations, case files, reports, and recommendations.
• Collaborated with branches, partner banks, and internal stakeholders to reduce fraudulent transactions by 15% through effective control measures and developed strong relationships with other banks to ensure timely blocking and freezing of suspicious accounts.
• Conducted training and awareness programmes for staff, resulting in a significant reduction in reported fraud cases.

Occupational Health Officer (Intern) - Nigeria Ports Authority, Lagos State - Lagos State

(2023-01 - 2024-12)

• Participated in health and wellness checks for employees and clients and organized monthly physical exercise initiatives.
• Engaged with clients to identify wellness needs and promote healthy practices; supervised departmental activities.

Bachelor of Science - Microbiology - Chukwuemeka Odumegwu Ojukwu University, Anambra State (2016-01 - 2019-12)

NECO - Ruby Springfield College (2008-01 - 2014-12) Maiduguri, Borno State