Fraud Desk Officer

About the role

The Fraud Desk Officer will monitor, investigate and report fraudulent activities across the bank’s operations, channels and customer transactions. Working closely with internal departments, the role supports the integrity of the bank and protects it from financial and reputational loss.

Key responsibilities

• Monitor transactions and operations for red flags or unusual patterns indicative of fraud.
• Receive, review and escalate reported fraud incidents or allegations from staff, agents and customers.
• Conduct investigations into suspected fraudulent activities and prepare detailed investigation reports.
• Collaborate with internal audit, risk, operations and IT departments to analyse incidents and identify process weaknesses.
• Maintain an up‑to‑date fraud register and ensure timely reporting to management and regulators such as CBN and NDIC.
• Perform root‑cause analysis on fraud trends and recommend process improvements or policy amendments.
• Support the development and implementation of anti‑fraud strategies, tools and awareness campaigns.
• Participate in staff training sessions on fraud detection, reporting channels and preventive measures.
• Liaise with law enforcement agencies or legal advisors when required.
• Monitor digital channels (mobile banking, POS, internet banking) for suspicious activities.

Required profile

• Bachelor’s degree in Accounting, Banking & Finance, Economics, Business Administration or a related field.
• 2–4 years of experience in fraud desk operations, internal control, fraud investigation, risk management or audit within a financial institution, preferably a micro‑finance bank.
• Strong understanding of banking operations, micro‑finance systems, digital financial services and common fraud types.
• High level of integrity and confidentiality, with strong analytical and investigative abilities.

Required skills

• Proficiency in Microsoft Office (Excel, Word, PowerPoint) and core banking systems.
• Familiarity with CBN regulatory framework and anti‑fraud guidelines.