Oni, Tolulope Oladayo

Am a results-driven Compliance and Internal Control professional with several years of experience in the financial industry. With a proven track record of developing and implementing compliance programs, internal controls, and risk assessments. I am skilled in leading cross-functional teams, collaborating with stakeholders, and driving compliance excellence amongst employees, customers and businesses.

Head, Compliance and Internal Control - CHARIS MICROFINANCE BANK

(2025-06)

• Responsible for identifying, measuring, monitoring, reporting and mitigating operational risks, while ensuring internal control and compliance policies and frameworks are well established within the organization.
• Ensure compliance with AML/CFT, KYC, regulatory, and statutory requirements.
• Identify control gaps, recommend improvements, and implement measures to minimize operational risks and losses.
• Ensured adherence to compliance standards and timely resolution of cases, including KYC/CDD Reviews and Investigation, AML Sanctions Screening, Anti-Bribery and Corruption Surveillance, Transaction Monitoring/STR and SAR Reporting, and AML/CFT/CPF Reviews
• Monitoring of regulatory/legislative changes, advise management, and ensure adherence to covenants and obligations.
• Maintain strong relationships with regulators while ensuring timely and accurate compliance reporting.
• Train, mentor, and supervise subordinates/staff to build capacity and ensure effective execution of control and compliance activities that strengthens the compliance culture.
• Prevention of service disruptions and reputation risks through proactive risk management.
• Analysis of data to strengthen governance and decision-making.
• Ensure effectiveness of controls, policies, and compliance with regulations.
• Lead timely submission of regulatory returns to regulators (CBN, NDIC, FIRS, LIRS).
• Oversight of the Internal Control and Compliance framework across the Bank.
• Enforcing of policies to safeguard assets and ensure regulatory compliance.
• Review of reports/transactions for accuracy and transparency.
• Safeguard customer trust by ensuring compliance with regulations and internal controls.
• Promote a culture of compliance to enhance customer confidence in the Bank.

Team Lead, KYC/AML/CFT/CDD Reviews, Regulatory Surveillance and Financial Crimes Monitoring - ACCESS BANK PLC

(2021-08 - 2024-04)

• Led a team of regulatory analysts and financial crimes investigators, ensuring adherence to compliance standards and timely resolution of cases, including KYC/CDD Reviews and Investigation, AML Sanctions Screening, Anti-Bribery and Corruption Surveillance, Transaction Monitoring/STR and SAR Reporting, and AML/CFT/CPF Reviews.
• Implementation of all the Compliance Program in line with the overall business objective.
• Served as the primary point of contact responsible to the respective Strategic Business Units (SBUs), stakeholders, regulators, Law Enforcement Agencies (LEAs), Government Relations Offices/Officers Central Bank of Nigeria (CBN) and all support functions on all matters relating to Compliance, AML/CTF, Anti-Bribery and Corruption.
• Ensured effective risk assessment, processes, controls and procedures to meet obligations of internal policies, international and local regulations, laws and requirements for proper decision making and business successes.
• Onboarding reviews of prospective customers and employee for any criminal records and negative reports in line with the Bank's compliance and internal control policies and standards.
• Developed and implemented strategies for regulatory surveillance and financial crimes monitoring, enhancing detection capabilities and minimizing risks.
• Continuous monitoring of customer and employee behavior for any potential risk or evidences of unethical behaviors. Implemented new transaction monitoring rules, resulting in 20% increase in the detection of suspicious activities.
• Carried out regular reviews of monitoring processes and tools, identifying areas for improvement and implementing enhancements to reduce false positive alerts by 15% through optimization of monitoring algorithms.
• Assisted with Business Conduct Office investigations in WA, as needed.
• Periodic compliance visits within the region to re-enforce annual ethics and compliance training and adherence to the Code of Conduct and Compliance Policy.
• Provided training and guidance to team members on compliance, ethics and conduct, regulatory requirements and investigative techniques, provision of AML/ATF workshops and education through AML programs and assessments thereby increasing team efficiency by 25% through the targeted training programs.
• Collaborate with internal stakeholders, such as legal, compliance, and risk management teams, to address regulatory issues and implement best practices, resulting in 90% satisfaction rate from internal audit reviews.
• Ensured staying ahead of regulatory changes, including monitoring CBN circulars and all regulatory pronouncements affecting banking operations, ensuring compliance with 100% accuracy and implementing changes promptly.

Lead, Branch Compliance and Internal Control Monitoring and Reporting - ACCESS BANK PLC

(2017-02 - 2021-08)

• Supervised and ensured compliance with the bank's policy and regulatory standards, including AML/CFT/KYC regulations, across all branches, achieving 100% compliance rate and reducing regulatory infractions by 20%.
• Coordinated the team of compliance monitoring and reporting team members, improving team efficiency by 15% through regular training and performance evaluations.
• Ensured appropriate adoption and implementation of the Bank's strategic objective by the Cluster/Regional Compliance Officers.
• Implementation of appropriate policies and processes to manage identified risks in Branches by way of avoidance, acceptance, reduction and sharing according to the identified risk rating of the Branches.
• Carried out daily oversight reviews of Branches' General Ledger accounts, identifying and rectifying discrepancies promptly, resulting in 10% reduction in accounting errors.
• Implementing a zero-tolerance policy for fraud and regulatory infractions in branches, leading to 30% decrease in successful fraud attempts and avoiding sanctions.
• Implemented sound independent control policies, procedures and standards to mitigate all sources of risks (financial and non-financial) in the regions.
• Served as the liaison point for all branch related control activities or issues and as an issues resolution contact for control issues noted and escalated from the branches.
• Ensured adoption of all applicable FATF recommendations in the Branches.
• Collaborated with internal and external stakeholders, and all other functional units in the Bank to establish a synergy in work relationship towards compliance effectiveness and ultimate achievement of the Bank's objectives.
• Provided periodic training and coaching to the Branch Control Officers and Cluster/Regional Compliance Officers.
• Ensured daily transaction processing adheres to the bank's policy and procedure guidelines, maintaining accuracy rate and reduced transaction processing/turn-around time.

Team Lead, Subsidiary Conduct and Compliance – Group Office - ACCESS BANK PLC

(2012-02 - 2017-01)

• Monitored banking activities in the Subsidiaries, ensuring compliance with Group and Country regulations, and carried out monthly audits, achieving 98% compliance rate with regulatory requirements.
• Ensured compliance of banking operations at the Subsidiaries in line with Group and Country regulations, and implemented new compliance procedures, reducing regulatory violations by 20%.
• Provided regular reports to management on compliance status and recommended actions for improvement, and presented quarterly compliance reports, resulting in 80% approval rate from management.
• Collaborated with internal and external auditors to address compliance issues and implement corrective actions, resulting in 90% reduction in repeat findings.

Team Lead, Compliance and Internal Control Department - INTERCONTINENTAL BANK PLC

(2006-06 - 2012-01)

• Carried out daily audits of branch General Ledger accounts, ensuring accuracy and compliance, resulting in 98% error-free rate and 10% reduction in audit discrepancies.
• Oversight of daily transaction processing to ensure adherence to the bank's policies and procedures, achieving 99.5% compliance rate and reducing processing errors by 15% through staff training and process improvements.
• Implemented a robust monitoring and reporting system for identifying suspicious transactions, contributing to 30% increase in the identification and reporting of suspicious activities.
• Developed and maintained relationships with regulatory authorities, resulting in 90% satisfaction rate in regulatory interactions and inspections.

Funds Transfer Officer/ Central Clearing Representative - LEADBANK PLC

(2003-08 - 2006-02)

• Processed daily funds transfers and reconciled transactions, achieving high accuracy rate in transaction processing.
• Communicated with internal and external stakeholders to resolve payment discrepancies, resulting in 20% reduction in outstanding payment issues.
• Monitored and analyzed daily transaction volumes, identifying and resolving anomalies, leading to 15% increase in transaction efficiency.
• Implemented new procedures for fund transfers, reducing processing time by 25% and increasing overall transaction throughput by 30%.
• Ensured compliance with regulatory requirements and internal policies related to funds transfers, maintaining 100% compliance rate with audit and regulatory standards.

Branch Operations Supervisor - CHARTERED BANK PLC

(2001-06 - 2003-07)

• Supervised daily branch operations, including customer transactions and cash management, achieving 98% accuracy rate in cash handling and 95% customer satisfaction rate.
• Oversight of the branch's compliance with regulatory requirements and internal policies, resulting in zero regulatory violations during annual audits.
• Carried out performance evaluations for branch staff, leading to 20% improvement in employee engagement and productivity.
• Implemented new customer service procedures, resulting in 15% reduction in customer wait times and 10% increase in customer satisfaction scores.
• Coordinated with the marketing team to promote branch products and services, leading to 25% increase in new account openings and 15% increase in loan applications.
• Carried out regular audits of branch processes and procedures, identifying areas for improvement and implementing changes that led to 15% increase in operational efficiency.

MBA - Master of Business Administration - University of Lagos (Unilag) (2016)

B.Sc - Estate Management - University of Lagos (Unilag) (1999)