Frank-Justice Umeh
@frank-justiceumeh
Barrister-at-Law and compliance professional delivering practical legal guidance for AML/CFT and regulatory risk.
United KingdomWhat I'm looking for
I’m a Barrister-at-Law and Designated Compliance Professional who translates complex regulatory requirements into clear, commercially practical guidance for cross-functional teams. My work spans contract drafting and negotiation, regulatory and legal risk analysis, and AML/CFT compliance across banking, professional services, and fintech/remittance environments.
In my compliance roles, I review and update internal compliance policies, procedures, and governance documentation to stay aligned with evolving requirements across multiple jurisdictions. I support AML/CTF programme design (MLR 2017, PSR 2017, and CASS 15), apply UK GDPR/DPA principles, and track obligations under SAMLA—backed by a consistent record of zero regulatory penalties.
I also handle high-stakes regulatory engagement and investigations: I liaise directly with regulators and external advisors, conduct KYC/CDD/EDD reviews, and prepare STR/SAR and regulatory returns with zero missed deadlines. From transaction alert investigations to resolving a high-value loan dispute through legal and case analysis, I bring meticulous attention to detail and strong legal judgment to every outcome.
Experience
Work history, roles, and key accomplishments
UK Compliance Associate
Africhange Ltd
May 2026 - Present (2 months)
Ensures legal and regulatory compliance for a fintech and international remittance business by monitoring compliance risk and updating governance documentation. Supports AML/CTF programme design and performs KYC/CDD reviews while liaising with UK regulators and managing data protection and sanctions obligations.
Compliance Analyst (AML/CFT)
FirstBank of Nigeria Ltd
Nov 2024 - Apr 2026 (1 year 5 months)
Drafts, reviews, and negotiates commercial and banking agreements while performing CDD and EDD for merchant and individual counterparties. Monitors transaction alerts, prepares STRs and regulatory returns, and conducts compliance risk assessments to support regulatory SLAs and investigations.
Compliance & Regulatory Risk Analyst
Kreston Pedabo
Jan 2024 - Oct 2024 (9 months)
Conducts KYC, CDD, and regulatory due diligence for multinational clients and provides risk-based recommendations to senior management and board-level stakeholders. Performs compliance audits and regulatory reviews of commercial agreements, maintains governance documentation, and liaises with tax authorities for timely correspondence and statutory filings.
Education
Degrees, certifications, and relevant coursework
Nigerian Law School
Barrister at Law (B.L.), Law
Grade: Second Class Division
Earned the Barrister at Law (B.L.) qualification with a Second Class Division from the Nigerian Law School in 2024.
University of Abuja
Bachelor of Laws (LL.B.), Law
Grade: Second Class Upper
Completed a Bachelor of Laws (LL.B) with a Second Class Upper at the University of Abuja in 2022.
Tech stack
Software and tools used professionally
Availability
Location
United KingdomAuthorized to work in
Job categories
Skills
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