Deborah Chibuzor Okwuokei

• Conduct comprehensive investigations into disputed transactions and suspected fraudulent activity, analyzing payment data, customer behavior, and transaction history to determine risk exposure.
• Conducted thorough customer due diligence and risk assessments.
• Implemented KYC policies and procedures for consistency.
• Perform outbound customer outreach to confirm transactions, collect supporting documentation, resolve payment disputes, and provide timely, professional assistance throughout the investigation process.
• Manage chargeback cases from intake through resolution, including evidence compilation, representment, merchant coordination, and adherence to card network guidelines, and internal policies.
• Identify fraud patterns, emerging threats, and operational vulnerabilities through data analysis, contributing to proactive prevention strategies, and loss reduction initiatives.
• Document investigative findings clearly within case management systems, ensuring accuracy, completeness, and audit-ready records.
• Partner cross-functionally with risk, compliance, onboarding, and operations teams, as well as external stakeholders, such as merchants and financial institutions, to support investigations and recommend corrective actions.
• Support enterprise fraud mitigation efforts by reviewing suspicious activity alerts, assisting with special investigations, and providing insights to improve detection workflows, and customer protection.

Core Responsibilities:

• Reviewed and investigated suspicious transactions, accounts, and payment activity flagged by internal monitoring systems or external sources, assessing fraud, AML, and payments risk across multiple channels.
• Managed end-to-end fraud and payments investigations, including chargeback disputes, transaction validation, evidence collection, representment, and case documentation within case management systems.
• Conducted outbound customer outreach to verify transactions, gather investigative details, resolve payment disputes, and provide professional support while maintaining a positive customer experience.
• Performed in-depth research and data analysis to identify fraud trends, control gaps, and emerging threats, supporting proactive risk mitigation and prevention strategies.
• Collaborated with internal teams (onboarding, compliance, risk, operations) and external partners (financial institutions, merchants, law enforcement, and regulators) to support investigations and determine appropriate actions, including account restrictions or closures.
• Prepared and submitted Suspicious Activity Reports (SARs) in accordance with FinCEN and BSA/AML requirements, ensuring accurate narratives, timely filing, and audit-ready documentation.
• Conducted ethical interviews with subjects and complainants, quantified fraud losses, supported special investigative projects, coordinated forensic or policy reviews when needed, and assisted with broader enterprise risk management and security initiatives.