Omolola Akinola
Houston,TX
Summary
Meticulous AML Fraud Analyst with 7+ years of experience in financial crime investigations, risk management, and regulatory compliance. Expertise in Auto Finance and Crypto Risk, utilizing Thomson Reuters CLEAR, Actimize, and ACI Worldwide for end-to-end investigations. Proven track record of identifying complex fraud schemes and improving detection accuracy through advanced transaction monitoring and predictive intelligence.
Overview
8
8
years of professional experience
1
1
Certification
Work History
AML, Fraud & Debt Specialist (Auto Finance Focus)
UBA America
06.2022 - Current
- Investigate transactional activity and alerts to identify suspicious patterns such as structuring and unusual account behavior, managing 100+ high-priority alerts weekly using Actimize and ACI Worldwide.
- Conduct specialized investigations into auto finance fraud, including loan misrepresentation and synthetic identities, utilizing LexisNexis Risk Solutions to reduce financial exposure.
- Perform debt and credit risk analysis, reviewing repayment trends and early defaults to identify patterns that led to a 15% reduction in credit misuse cases.
- Execute end-to-end investigations and SAR/STR filing in strict accordance with the USA Patriot Act and BSA/AML compliance protocols.
- Conduct Enhanced Due Diligence (EDD) and Periodic Reviews on high-risk profiles, providing comprehensive risk assessments for senior management.
Fraud, KYC & Crypto Risk Analyst (Coinbase Contract)
Guidehouse
01.2022 - 06.2022
- Supported financial crime investigations for Coinbase, focusing on crypto transaction monitoring and risk analysis for high-volume accounts using Chainalysis.
- Investigated patterns involving stablecoin conversion and rapid asset movement to external wallets, identifying potential laundering through CDD/EDD/SDD and risk-based analysis.
- Analyzed user behavior anomalies, including spikes in transaction velocity, resulting in a 30% increase in detected account takeovers during the contract period.
- Conducted KYC/KYB reviews and OFAC sanctions screening, maintaining a 98% quality assurance score using Thomson Reuters CLEAR.
Risk & Compliance Analyst
Tulet Oaks Limited
07.2018 - 12.2020
- Employed risk assessment tools to monitor and investigate merchant processing activities, ensuring strict compliance with BSA/AML regulatory requirements and Audit/Financial Due Diligence.
- Achieved a quality assurance rate of over 95% in audit activities, effectively detecting and preventing fraud while analyzing merchant transaction data via CRM Software (Salesforce).
- Collaborated with Credit and Underwriting teams to support merchant success, maintaining accurate investigation records and providing support on account reviews.
- Identified and escalated high-risk merchant behavior, resulting in a 10% annual reduction in merchant-side fraud incidents and chargeback exposure.
- Conducted periodic reviews of existing merchant portfolios to ensure ongoing adherence to updated compliance standards and KYC protocols.
Fraud Risk & Payment Agent
Fidelity Bank
11.2017 - 07.2018
- Investigated and resolved complex system debit balance discrepancies, ensuring accurate account reconciliation and maintaining the highest standards of financial integrity.
- Analyzed fraud trends and conducted regulatory research using advanced detection tools to update fraud prevention rules, successfully mitigating losses by 12%.
- Processed payment disputes, chargebacks, and refunds while utilizing de-escalation and conflict resolution skills to resolve complex cases.
- Monitored real-time payment channels for suspicious activity, successfully identifying and blocking unauthorized transactions before settlement.
- Assisted in the implementation of new fraud detection software, contributing to the refinement of automated alerts and reducing false positive rates by 15%.
Education
PhD - Information Security
University Of the Cumberlands
01-2024
Masters - Information Systems
Lamar University
12-2021
Skills
- Compliance & Fraud: SAR/STR Reporting, USA Patriot Act, BSA/AML Compliance, KYC/KYB Policies, CDD/EDD/SDD, Transaction Monitoring, Actimize, Thomson Reuters CLEAR, LexisNexis Risk Solutions, ACI Worldwide, Chainalysis, Audit and Financial Due Diligence, Regulatory Research, Periodic Reviews
- Operations & Systems: Incident Response, Salesforce, Zendesk, CRM Software, Cloud Computing, Predictive Intelligence, De-Escalation, Conflict Resolution, Risk Mitigation, Data Integrity, Microsoft Office Suite (Word, Excel, PowerPoint)
- AML and KYC procedures
Certification
- Certified Fraud Examiner (CFE)
- AWS Certified Security – Specialty
- Predictive Intelligence (Certified)
Timeline
AML, Fraud & Debt Specialist (Auto Finance Focus)
UBA America
06.2022 - Current
Fraud, KYC & Crypto Risk Analyst (Coinbase Contract)
Guidehouse
01.2022 - 06.2022
Risk & Compliance Analyst
Tulet Oaks Limited
07.2018 - 12.2020
Fraud Risk & Payment Agent
Fidelity Bank
11.2017 - 07.2018
Masters - Information Systems
Lamar University
PhD - Information Security
University Of the Cumberlands