CHRISTIANA FALODUN

Established the Audit and Control function from inception, defining methodology, team structure, governance frameworks, and reporting standards aligned with enterprise risk objectives to ensure robust enterprise-wide risk mitigation.

Led planning and execution of risk-based internal audits across diverse business units, aligning efforts with enterprise risk priorities to enhance oversight and control effectiveness.

Identified critical control gaps, operational inefficiencies, and emerging risks, delivering actionable recommendations that generated value-focused improvements.

Developed enterprise Key Risk Indicators (KRIs) and Service Level Agreement (SLA) dashboards, driving a monthly reduction in high-risk issues and ensuring timely implementation of audit recommendations.

Enforced segregation of duties and approval governance, significantly reducing unauthorized overrides and control breaches by 80% across procurement and payment processes.

Monitored centralized operations and control room activities, ensuring strict compliance with internal security policies, monitoring protocols, and approved operating procedures.

Standardized incident reporting, classification, and escalation procedures, improving consistency for governance, audit, and management reporting expectations.

Prepared and maintained comprehensive incident logs, control reports, and audit trails, effectively supporting internal reviews, investigations, and regulatory assessments.

Provided critical decision-support and compliance advisory during operational risk events, control failures, and system incidents, mitigating potential risks.

Supported risk and control event management, ensuring timely resolution, root-cause analysis, and implementation of corrective actions to enhance security posture.

Supervised daily teller operations in branch, ensuring strict adherence to cash handling, internal controls, and operational procedures.

Managed cash vaults and teller cash limits totaling ₦50M, successfully reducing cash variances and discrepancies.

Trained and mentored a team of 4 tellers, significantly improving transaction accuracy and reducing customer wait times.

Reviewed daily cash reconciliations, deposits, withdrawals, and inter-branch transfers, identifying and resolving 100% of discrepancies within 24 hours to maintain financial integrity.

Monitored suspicious transactions and fraud indicators, escalating high-risk activities in alignment with CBN, AML, and internal compliance frameworks.

Led a team of 3 customer service officers, consistently achieving SLA adherence and improving first-contact resolution metrics.

Monitored and analyzed customer complaints and feedback across multiple channels, successfully reducing recurring issues by 25%.

Enforced robust escalation frameworks and incident reporting procedures, ensuring high-priority complaints were resolved within 24 hours.

Collaborated cross-functionally with risk, compliance, and operations teams to detect and escalate suspicious customer activities, contributing to enhanced fraud prevention and regulatory compliance.

Maintained high levels of customer satisfaction and retention, consistently exceeding organizational targets and enhancing brand reputation.

Led process-based investigations into high-risk and exception cases, identifying root causes and recommending preventive process improvements to mitigate financial and regulatory exposure.

Conducted comprehensive due diligence checks using World-Check to effectively manage financial crime risks posed by customers and counterparties.

Redesigned and standardized incident management processes, improving data quality, response time, and audit readiness for compliance reporting.

Led continuous improvement training sessions across the group, embedding service standards, process discipline, and risk awareness into day-to-day operations.

Collaborated with IT and Engineering teams on system enhancements and automation, reducing manual interventions and operational friction.

Performed daily clearing and settlement operations, processing over 3000 inter-bank and internal transactions with 100% timeliness and accuracy.

Executed end-to-end reconciliations of accounts, payments, and internal ledgers, identifying and resolving discrepancies within stipulated Turn Around Time.

Conducted variance analysis and exception management, investigating high-risk transactions and preventing over ₦20M in potential financial losses.

Prepared daily, weekly, and monthly reconciliation dashboards and reports, providing actionable insights and operational transparency for management.

Assisted in system upgrades and automation initiatives for clearing and reconciliation processes, reducing manual errors and improving processing time.

Reviewed and validated KYC/AML documentation, ensuring full compliance with AML/CFT regulations and internal policies.

Monitored customer transactions and account activities to identify and flag fraud, money laundering, and other financial crimes.

Reviewed and reconciled the bank's general ledger, ensuring proper integrity and reliability of processed transactions.

Prepared, reviewed, validated, and uploaded STR, CTR, and FTR files on goAML Portal, ensuring compliance and avoiding sanctions.

Conducted periodic surprise cash counts on branches, ensuring accuracy of declared cash figures.

Processed and verified BVN/KYC records with 95% accuracy, significantly strengthening fraud detection capabilities.

Filed Suspicious Transaction Reports (STRs) for high-risk customers involving BVN and account-related anomalies, ensuring regulatory compliance.

Resolved customer account and payment-related complaints, proactively preventing potential fraud exposures.

Maintained transparent records of customer interactions, providing crucial support for fraud investigations.