Michael Aipola

Detail-oriented Compliance & Transaction Monitoring Analyst with 3+ years of experience in AML/CFT compliance, fraud detection, and financial crime risk management within the financial services sector. Proven ability to perform KYC, CDD, EDD, transaction monitoring, and regulatory compliance audits while ensuring adherence to industry regulations and best practices. Skilled in identifying suspicious activities, conducting investigations, and supporting governance, risk, and compliance (GRC) frameworks.

Adept at leveraging analytics tools and collaborating with cross-functional teams to strengthen compliance controls and mitigate risk.

Fraud & E-Transaction Monitoring Analyst at First Bank of Nigeria (2023-04 – Present)

• Conduct transaction monitoring and alert reviews to detect suspicious and fraudulent activities in real time.
• Perform Customer Due Diligence (CDD) and support Enhanced Due Diligence (EDD) investigations for high-risk accounts.
• Analyze customer transaction behavior to identify AML/CFT red flags and unusual patterns.
• Prepare and file Suspicious Activity Reports (SARs/STRs) in line with regulatory requirements.
• Collaborate with compliance, product, and tech teams to ensure systems effectively detect and flag suspicious transactions.
• Maintain accurate documentation of KYC and compliance activities for audit and regulatory purposes.
• Conduct risk assessments and recommend mitigation strategies to reduce exposure to fraud and compliance breaches.
• Escalate high-risk cases and implement account restrictions, closures, or further investigation actions.
• Support compliance audits and internal reviews, ensuring adherence to policies and regulatory standards.
• Stay updated on regulatory changes, AML trends, and compliance requirements.
• Prepare reports for internal stakeholders and support regulatory reporting processes.

Research, Planning & ICT at Old Oyo National Park (NYSC) (2022-03 – 2023-02)

• Improved internal data processing workflows, cutting paperwork by 75% through digitization.
• Conducted statistical analysis on research data for environmental studies.
• Teamed with 250 corps members to sensitize almost 50 market women, 120 youths and community elders.
• Coordinated ICT tasks and supported digital documentation for interdepartmental projects.
• Obtained informed consent of research subjects or guardians.

Pulp and Paper Technician at Federal Institute of Industrial Research, Oshodi (2019-05 – 2019-07)

• Maintained an excellent attendance record by consistently arriving at work ready to begin work right away.
• Performed day-to-day tasks accurately and efficiently.
• Participated in team-building exercises to strengthen working relationships.
• Sustained stock levels and databases by monitoring company inventory.

B.Forestry (Hons) in Forestry – Olabisi Onabanjo University (2015 – 2021)