Munachiso Nwariaku
Edinburgh
Summary
Analytical Fraud Investigator with expertise in detecting and investigating fraudulent activities. Achieved successful outcomes by maintaining confidentiality and integrity during complex problem-solving. Facilitated effective collaboration with team members and external partners to drive results. Dedicated professional with strong analytical and problem-solving abilities. Delivers clear and concise communication to diverse audiences, fostering understanding and cooperation. Utilises strategic decision-making to mitigate risks and enhance operational efficiency.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Fraud Investigator
Monzo Bank
07.2023 - 04.2026
- Accurately load confirmed fraud cases to the CIFAS database to mitigate cross-institutional risk.
- Validate fraud claims and facilitate direct communication with external banks to recover lost funds for victims.
- Triage and prioritise inbound departmental emails to ensure urgent fraud escalations are handled efficiently.
- Perform detailed reviews of settlement accounts to maintain financial accuracy and compliance.
- Fairly and impartially assess customer accounts during complex fraud investigations to deliver appropriate outcomes.
- Maintain awareness of regulatory developments and industry best practices, implementing learnings to daily activities.
Account Specialist
JP Morgan & Chase
02.2022 - 07.2023
- Resolved complex financial inquiries and de-escalated critical issues while identifying process bottlenecks using analytical tools to improve client service protocols.
- Resolved client queries and concerns promptly, demonstrating commitment to exceptional customer service.
- Developed and deepened relationships with new and existing clients.
- Developed and maintained strong relationships with clients through regular, meaningful communication, building trust and loyalty.
Legal Officer
Umunneochi Local Council
Isuochi
11.2013 - 01.2018
- Delivered strategic legal counsel and representation to ensure effective management of complex contract negotiations, dispute resolutions, and regulatory compliance, fostering collaborative stakeholder relationships to protect organisational interests.
- Drafted and reviewed legal documents, including contracts and agreements, to safeguard organisational interests.
- Negotiated and drafted lease agreements for commercial properties, protecting organisational interests and ensuring favourable terms.
- Delivered training sessions on legal requirements and best practices to staff, enhancing organisational legal awareness.
Education
Master of Business Administration - Leadership Practice
Edinburgh Napier University
Edinburgh, United Kingdom10.2021
MSc - International Human Resource Management
Edinburgh Napier University
Edinburgh, United Kingdom07.2019
Bachelor of Laws - Law
Abia State University
Uturu09.2011
Skills
- Fraud Detection and Prevention
- Transaction Monitoring
- Risk Mitigation
- Complex Investigations
- AML Awareness
- Data Analysis
- Problem-solving
- Strategic Decision-Making
- Client communications
- Microsoft Office Suite
- Microsoft Excel
- Case Management Systems
- Time prioritisation
- Fraudulent pattern recognition
- Fraud investigation
- Risk assessment
- Legal documentation
Core Competencies
- Fraud & Risk Expertise: Subject matter expert in fraud detection, transaction monitoring, and mitigating complex typologies (e.g., money mules, job scams, and AML concerns).
- Technical & Operational Efficiency: Adept at multi-queue management (ECT, fraud inbox, reachouts, settlements) utilising specialised tools including BPS, Bizops, and Excel.
- Mentorship & Leadership: Actively mentors new colleagues, fostering a supportive environment and providing guidance on complex case resolutions and inter-bank communications.
- Subject Matter Expertise: Deep knowledge of fraud investigation procedures, helping colleagues with complex cases involving PSP responses, AML concerns, and customer verification processes
Certification
ICA Certifications:
- Anti Money Laundering
- Financial Crime Risk in Global Banking and Markets
Languages
English
Proficient
C2
Igbo
Proficient
C2
French
Elementary
A2
References
Ellie Clarke,
Fraud Pursue Manager
Monzo Bank
Interests
- Playing Chess, EA FC
- Visiting historical sites
Timeline
Fraud Investigator
Monzo Bank
07.2023 - 04.2026
Account Specialist
JP Morgan & Chase
02.2022 - 07.2023
Legal Officer
Umunneochi Local Council
11.2013 - 01.2018
Master of Business Administration - Leadership Practice
Edinburgh Napier University
MSc - International Human Resource Management
Edinburgh Napier University
Bachelor of Laws - Law
Abia State University