SKILLS, KNOWLEDGE & COMPETENCIES

Knowledge Skills

• Sound understanding of transaction monitoring systems, fraud detection methodologies, and behavioural analytics platforms, specifically in a banking or financial services context
  
• Working knowledge of banking payment channels including mobile money, USSD, agency banking, card (PIN & Chip, Magstripe, CNP), RTGS, EFT, and core banking systems
  
• Proficiency in data analytics and reporting tools — Power BI, SQL, and Advanced Excel are essential; experience with SIEM or fraud management platforms is an advantage
  
• Understanding of reconciliation processes, suspense account management, and exception handling across multi-channel payment environments
  
• Familiarity with AML typologies, KYC requirements, and CBK regulatory expectations for transaction monitoring and fraud reporting
  

Competencies Required

• Ability to interrogate large volumes of transactional data, identify patterns, distinguish genuine anomalies from noise, and draw well-evidenced conclusions
  
• Precision in alert review, case documentation, and report preparation; errors in fraud investigation have direct financial and regulatory consequences
  
• Ability to make sound first-line decisions on alert triage and escalation within tight SLAs, without sacrificing accuracy
  
• Clear written and verbal communication for case documentation, escalation reporting, and cross-functional coordination with ICT, Risk, and CX teams
  
• Takes ownership of assigned alerts and investigation queues; proactively follows up on open cases and flags blockers to the Manager promptly
  
• Actively contributes to rule refinement, threshold tuning, and process improvement within the Mulika monitoring framework
  

3. QUALIFICATIONS & EXPERIENCE

Education

• Bachelor’s degree in Information Technology, Computer Science, Statistics, Finance, Economics, or a related field
  

Professional Qualifications

• Certification in AML/fraud risk: ACAMS, CFE (Certified Fraud Examiner), or equivalent are an advantage but not a requirement
  
• Power BI certification or equivalent data visualization qualification is an advantage
  

Experience

• Minimum 2 years' experience in a banking operations, transaction monitoring, fraud operations, reconciliations, or financial crime compliance role
  

• Operate and monitor the Mulika real-time transaction monitoring platform on 24/7 shifts, reviewing alerts generated across all banking channels including mobile banking, USSD, agency banking, cards, and core banking
  
• Investigate and assess Mulika alerts including transaction velocity anomalies (SS-001 to SS-006), unusual customer transactions (UTc01), unusual employee transactions (UTe), risk-destination transactions (RDc01), unusual digital activity (UAd), and four-eyes bypass events
  

• Conduct first-line investigation of all fraud alerts, documenting findings, assigning risk ratings, and escalating confirmed or suspected fraud events to the Manager and Risk & Compliance within defined SLAs
  
• Maintain and update fraud case records in the case management system, ensuring complete documentation of investigation steps, evidence, and outcomes
  
• Participate in rule parameterization and threshold tuning, recommending adjustments to detection rules based on observed alert patterns, false positive rates, and emerging fraud typologies
  
• Build and maintain customer and employee transaction behavior baselines using Mulika analytics, identifying normal patterns against which anomalies are detected
  
• Maintain and operate the Mulika monitoring dashboards, ensuring data accuracy, timely refresh, and correct visualization of fraud alerts, transaction trends, and system performance metrics
  
• Support the development of customized reports and Power BI visualizations for the generation of daily, weekly, and ad-hoc fraud and transaction monitoring reports for the Manager, Shared Services leadership, and Risk & Compliance, including alert volumes, investigation outcomes, escalation rates, and KPI performance
  
• Validate dashboard outputs against source data and system logs, reporting any discrepancies to ICT and the Manager immediately
  

• Partners: Liaise with Meliora Technologies and other technology vendors on platform performance, rule updates, and system enhancements as directed by the Manager
  

• Collaboration: Work with ICT, Risk & Compliance and Customer Experience teams to ensure cross-functional fraud risks are properly identified, communicated, and resolved