Ezekiel Koleade

Fraud Management professional with a solid background in fraud, forensic accounting, and risk management across global banking and fintech sectors, leading cross-functional teams and developing effective fraud prevention strategies. My passion lies in Fraud Strategy, Analytics, and Operations, where I focus on implementing robust strategies that drive innovation and operational excellence.

My core skills include:
Leadership: Led teams across Fraud, Product, and Compliance to align fraud prevention with business objectives.

Fraud Risk Management: Managed diverse fraud risks across multiple products and services, utilising various advanced analytical tools with a touch of human intuition and work experience.

Strategic Thinking: Developed strategies that reduced fraud losses and enhanced detection capabilities.

Relationship Management: Built and nurtured strong relationships with internal and external cross-functional stakeholders.

Transformational Change: Delivered complex change initiatives within large organizations.

Vision & Values:
As a natural leader, I am committed to self-development and empowering others, driven by a determination to achieve results. I leverage advanced analytics and technology (SAS, SQL, Power BI) to meet business and regulatory requirements, collaborating with teams to produce comprehensive fraud reports for senior management. My expertise includes real-time monitoring of high-risk transactions and partnering with financial institutions to validate or prevent fraud, minimising losses and improving customer satisfaction. I am enthusiastic about fostering diverse teams and influencing regulatory compliance across various industries.

Key expertise: AML/CFT, KYC procedures, fraud detection, transaction monitoring, forensic accounting, risk management, process optimisation, and stakeholder engagement. Passionate about innovation, integrity, and building resilient fraud prevention strategies.

Professional Experience

Natecho Services Ltd, United Kingdom​2024 – Present

Fraud Analyst

Compile detailed fraud reports by analysing logs, identifying fraud-related costs, and conducting vulnerability assessments with actionable risk mitigation strategies. Co-ordinate with IT, legal, and cross-functional teams to establish and monitor KPIs for fraud detection and prevention in adherence to PCI DSS and GDPR. Enhance fraud detection accuracy, data security, and integrity to protect the company from regulatory fines and data breaches.

Noteworthy Accomplishments:

• Devised dynamic SQL-based rule systems that flagged high-risk transactions in real-time with 20% greater accuracy.

• Mentored three employees in fraud detection techniques and use of monitoring tools; reduced fraud response times by 30%.

• Sustained a false positive rate below 1% through continual refinement of SQL-based algorithms in collaboration with IT teams.

• Evaluated over 1M monthly retail transactions using Power BI, provided real-time fraud metrics, and increased fraud trend identification by 48%.

• Ensured 100% compliance with ISO 27001, PCI-DSS, and GDPR by conducting comprehensive vulnerability assessments and penetration testing.

• Identified over 150 compromised customer data and fraud schemes by conducting dark web analysis using Recorded Future. This reduced fraud losses by 35% and strengthened fraud security protocols.

• Reduced human-related security breaches by 78% across the organisation by conducting a continual security awareness program.

• Communicated fraud trends to cross-functional teams, accelerated issue resolution, and achieved a 30% reduction in fraud attempts within six months of 2024.

• Developed a comprehensive fraud detection framework using automated ETL processes, optimised SQL queries and Python analytics, reduced 35% fraud, and delivered a scalable solution.

United Bank for Africa, Nigeria​2022

Forensic Fraud Investigator

Designed and maintained fraud detection metrics, delivered detailed reports to senior management, and spurred the adoption of new fraud prevention protocols. Identified and mitigated high-risk activities using Python to analyse transaction patterns.

Noteworthy Accomplishments:

• Improved 10% compliance audit scores by liaising with compliance and legal teams and ensuring regulatory adherence.

• Achieved a 25% reduction in fraudulent incidents over five months through in-depth investigations into suspicious transactions.

• Resolved an average of 50 complex fraud cases monthly, recovered $150,000 in misappropriated funds, and ensured policy compliance.

• Created in-house transaction monitoring tools with the IT unit, improved69% fraud monitoring efficiency, and saved over $8,000 annually in subscription costs.

• Facilitated intelligence sharing with law enforcement and regulators, reduced investigation time by 20%, prosecuted 25 individuals, and recovered $620,000 in embezzled assets.

Guaranty Trust Bank PLC, Nigeria​2014 – 2022

Electronic Fraud Analyst (2016 – 2022)

Monitored SLA and KPI performance in fraud detection processes to deliver detailed reports and improve operational oversight. Automated weekly fraud reporting processes using VBA and provided more timely insights for faster interventions. Analysed fraud metrics, incident trends, and resource utilisation to enhance operational effectiveness in fraud prevention. Steered monthly fraud analysis reporting and risk assessment cycles, presented key trends to stakeholders, and boosted confidence in fraud prevention efforts.

Noteworthy Accomplishments:

• Reduced fraud rate to 0.01% of Total Transaction Volume (TTV) by overseeing a high-performing fraud monitoring team, minimising false positives, driving operational efficiency, and maximising business value.

• Optimised fraud detection efforts and cut 50% of case resolution times in three months by executing in-depth data analysis using SQL and Power BI.

• Performed regular risk assessments on fraud platforms, identified security gaps early, and improved stakeholder satisfaction with security measures by 20%.

• Evaluated fraud investigation team performance data, addressed skill gaps, led targeted training initiatives, and increased investigation accuracy by 19%.

• Mitigated a surge in mobile banking fraud by utilising SAS to analyse customer behaviour, assign risk scores, and identify high-risk transactions; reduced fraud exposure from 24% to 3% within six months for data-driven stakeholder decision-making.

Internal Control Officer (2014 – 2016)

Performed regular assessments of internal control systems, identifiedimprovement areas, and ensured regulatory compliance. Designed and implemented control frameworks, mitigated operational and financial risks and boosted overall process efficiency. Co-ordinated with cross-functional teams to review and refine processes.

Noteworthy Accomplishments:

• Tracked key performance indicators, evaluated effectiveness of control measures, and reduced 20% control weaknesses.

• Compiled reports on internal control findings and recommendations to present actionable insights to senior management.

• Improved regulatory standing and reinforced confidence among stakeholders and regulators by enhancing the organisation’s risk management framework.

• Successfully reduced 15% control-related operational costs and increased 10% process efficiency through strategic elimination of redundant controls.

• Achieved a 100% compliance rate with regulatory standards and decreasedaudit findings by 35% year-over-year through the implementation of automated compliance checks.

Msc in Big data Technology from Glasgow Caledonian University