Risk Management Business Process

Indianapolis, IN ***** +1-317-***-**** *************@*****.**.**

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MORUF ADEKUNLE

PROFESSIONAL SUMMARY

Strategic and detail-oriented professional with extensive experience in risk analysis, financial crime prevention, compliance, and business transformation across the banking, finance, and insurance sectors. Adept at identifying, assessing, and mitigating financial and operational risks, ensuring organizational security and regulatory compliance. My expertise spans service-oriented delivery, process optimization, and stakeholder engagement, supported by a strong analytical mindset and a proactive, ‘can-do' attitude. I have a proven track record in Anti-Money Laundering (AML), Know Your Customer (KYC) processes, and Fraud Risk Management, conducting thorough investigations, analyzing complex financial data, and producing actionable risk assessments.

Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.

SKILLS

AS-IS/TO-BE Process

Fraud Risk Management

Effective Communication

Risk Assessment and Mitigation

Transaction Monitoring and Analysis

AML/KYC Compliance

Enhance Due Diligence

SAR Filing & Reporting

Compliance & Audits

Stakeholder Engagement & Relationship Management

Revenue & Cost Assurance

Requirements Elicitation

Problem Solving /Analysis

GAP/Workflow Analysis

User Acceptance Testing & Implementation

Interview & Presentation

Sage-50

Microsoft Visio

Salesforce

Income Manager

Microsoft Suite

Flexcuble

Microsoft Excel mastery

Business process improvement

SQL proficiency

Business process mapping

Test case scenarios

CRM systems

Process optimization

Strategic and Analytical thinking

SAP

Functional specifications

Change management

Business case validation

WORK HISTORY

BUSINESS ANALYST 03/2022 to Current

Business Derivative Limited, United Kingdom

Ensure that business process problems and requirements are gathered, analysed and documented

Engaged stakeholders at all levels across the organization, developing dynamic and productive business relationships

Plan the process design, systems analysis or implementation activities for the specific project and/or change initiative

Plan and conduct user testing of solutions with key stakeholders and project teams

Contribute to developing the solution business case with the project team, helping to demonstrate how proposed systems changes will deliver desired benefits

Ensure that business technology and systems architecture requirements are fully appraised, analyzed and documented, engaging with subject matter experts and other stakeholders in the review of current systems, integrations, business processes

Production of key systems architecture documentation, mapping ‘As Is/To Be' operational systems architecture, tools, data flows and integrations in line with project objectives

Production of key process design documentation, including problem and requirement catalogues, process flows, procedural flows, work instruction documents and outline training packs

Mediate between subject matter experts and application developers, acting as a link between business challenges and technology solutions to ensure the solution implemented will deliver the desired business benefits

COMPLIANCE/FRAUD RISK ANALYST 11/2018 to 01/2022

Union Bank of Nigeria Plc, Nigeria

Work as part of a team of investigators to help clients maintain adequate AML compliance controls

Responsible for conducting AML investigations that generate from transaction monitoring systems to identify potential illegal activity and trends to escalate to the appropriate parties

Conducting investigations of potential suspicious parties and clearing false positive alerts

Completing case reports and suspicious activity reports SAR including filing disclosures

Compiling and articulating findings in a clear, concise manner that considers the client's risk exposure

Meeting production targets and quality standards

Maintaining a strong level of independence and organizational and time management skills with high focus on attention to detail

Executed AML and KYC enhanced due diligence in monitoring, identifying, and verifying customer transactions and business accounts set up with the bank using the bank's internal database and third-party vendors

Prepared and drafted SARs and summary narratives and filings related to high-risk customers/transactions and assisted other members within AML/KYC compliance with customer identification analysis and follow up processes

Utilize internal database to perform research, conduct risk reviews, and document closure recommendations to determine if credit card client relationships should be maintained or terminated

Document and report the review and investigation findings, prepare case files with the required supporting documentation while assisting with disposing of cases according to agreed-upon business Service Level Agreements (SLAs)

Conducted enhanced Customer Due Diligence (CDD), transaction activity reviews, negative media searches, and documenting findings per approved policies and procedures

Acted as the analyst in the implementation of customer-centric digital financial liaison with other Banks for recall and recovery of salvaged Fraud monies in accordance with AML guidelines

Constant sensitization and engagement with staff and customers as regard emerging fraud trends in the industry whilst suggesting likely ways of securing customer funds

UNIT HEAD, CLAIMS – REVENUE ASSURANCE/ANALYST 07/2010 to 10/2018

Union Bank of Nigeria Plc, Nigeria

Investigated customers' claims on excess bank charges on their account and ensure that issues raised are promptly resolved

Carry out comprehensive forensic investigation on customer's claim

Identified loopholes in the system & processes that results in income leakages and provide possible ways of blocking them to Management

Worked with product owners to ensure fees and charges maintained in the system are validated and accurately collected before deployment

Analysed and obtained management approval for refund of excess charges of undercharged from customers

Led the Bank's representatives to Regulatory bodies and other Government agencies for mediation/reconciliation meeting and technical review session

Carried out monthly bank wide review and validation of Account Maintenance Fees collected on accounts

Identified system-related issues and work closely with Information Technology for resolution

Reviewed and validated fixes deployed by IT on system issues raised

Supported the implementation of income validation from alternative Channels/E-Channels

Reconciled NIBSS and Switches settlement figures with the Bank's position

MANAGEMENT ACCOUNTANT 09/2007 to 06/2010

FoodConcept Nigeria Limited, Nigeria

Effectively monitored clients account and financial position with the firm

Supported the process of Treasury, Cash and Bank balance management

Payroll administration including vetting authorization/approval for payment

Championed Reconciliation of Bank Statements Debtors and Creditors Age Analysis

Prepared Monthly Management Reports for management decision activities

Conducted reviews and evaluations for cost-reduction opportunities

Carried out physical verification of fixed assets quarterly

Presentation of the Management Report at the Management Meeting

Updating & posting of various Prepayment Schedule

Update fixed Assets Register with each addition or disposal

Collation & Summarization of Turnover from 35 Outlets

Compute and post depreciation for different categories of Assets

Coordinated the Monthly Stock counts

Reviewed postings to Sage Accounting Software

EDUCATION

Bournemouth University, United Kingdom

MSc, Management with Business Analytics, 07/2023

Obafemi Awolowo University, Nigeria

BSc (Hons), Accounting, 08/2000

PROJECT

Business Derivative Limited, United Kingdom, Automated Booking System (Frome Birth Talk), 2023

Union Bank of Nigeria Plc, FCUBS Core Banking Application, 2015

HOBBIES AND INTERESTS

Reading

Music

Travelling

CERTIFICATIONS

Certified British Computer Society - Business Analysis Institute of Chartered Accountants of Nigeria - Associate Chartered Accountant (ACA)

UNION BANK OF NIGERIA'S CERTIFICATE OF RECOGNITION FOR CORE BANKING APPLICATION UPGRADE- 2015

Set up revenue collection modules on the Banking products and carried out user acceptance testing to ensure all revenue due to the Bank are collected time and appropriately to eliminate customers compliant and revenue erosion for the bank

FOODCONCEPT BEST ACCOUNTING STAFF - 2007

The award was given in recognition of hardwork, innovation and timely rendition of Management Account of the Company

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