emmanuella kalu

I’m a banking professional with 6+ years of frontline experience supporting customer onboarding and KYC/CDD documentation. At Access Bank Plc, I verify BVN, NIN, valid identification, and proof-of-address documents against CBN tiered-KYC requirements before accounts are activated.

I deepen compliance outcomes by conducting KYC updates and remediation, flagging incomplete, inconsistent, or high-risk customer profiles for enhanced due diligence (EDD). I also screen new customers through sanctions and PEP watchlist checks, refer potential matches to compliance, and maintain audit-ready customer records aligned with regulatory record-retention obligations.

When risk surfaces, I identify and escalate unusual or suspicious transactions and customer behaviour, providing documentation that supports STR/SAR-related internal reviews. I support fraud investigations by logging fraud complaints, retrieving transaction records and statements, placing restrictions on compromised accounts, and liaising with the fraud desk through to resolution—all while completing mandatory annual AML/CFT and anti-fraud training.