Fortunate Ayebare
Risk, Fraud & Compliance
Kampala - Uganda
Summary
Operational Risk and Internal Controls professional with over 6 years of experience across fintech, banking, and insurance sectors, specializing in operational risk management, incident reporting, and control assurance within regulated financial institutions.
Experienced in identifying, assessing, monitoring, and mitigating operational risks, supporting the implementation of risk management frameworks, and strengthening internal control environments in line with regulatory and policy requirements. Proven ability to conduct risk assessments, monitor Key Risk Indicators (KRIs), manage incident reporting processes, and perform root cause analysis to prevent recurring operational failures.
Skilled in risk cartography development, fraud risk monitoring, access governance, and service-level monitoring, while promoting a strong risk awareness culture across business units. Recognized for supporting risk reporting, coordinating cross-functional risk reviews, and contributing to organizational resilience through proactive risk monitoring and governance.
Overview
7
7
years of professional experience
Work History
Operational Risk & Fraud Analyst
Interswitch East Africa (U) Ltd
01.2023 - Current
- Operational Risk Monitoring
- Support the implementation of operational risk management processes, ensuring alignment with internal policies and regulatory requirements.
- Conduct risk assessments across agent, merchant, and partner operations to identify and mitigate operational risk exposures.
- Maintain risk registers and risk dashboards, supporting monitoring of key operational risk indicators.
- Gather and analyze operational risk data to support risk monitoring and reporting across business units.
- Incident Management & Reporting
- Monitor and manage operational incidents and fraud cases, ensuring timely escalation and reporting in line with internal incident management procedures.
- Perform Root Cause Analysis (RCA) on operational incidents and system failures to identify underlying causes and recommend corrective actions.
- Support the maintenance of incident logs and reporting mechanisms to ensure timely communication to management.
- Risk Governance & Reporting
- Prepare periodic operational risk reports and dashboards for management review.
- Monitor Key Risk Indicators (KRIs) and escalate emerging risks to the risk management function.
- Support internal audits and regulatory reviews by providing risk documentation and evidence of control effectiveness.
- Control Environment Strengthening
- Conduct internal control reviews to identify control weaknesses and recommend improvements.
- Support user access governance reviews to ensure compliance with Segregation of Duties requirements.
- Monitor float reconciliation processes and transaction exceptions to reduce operational losses.
- Promote risk awareness and compliance culture through stakeholder engagement and training.
- Key Achievements
- Strengthened operational risk monitoring processes across digital financial service operations.
- Improved incident reporting visibility, enabling faster identification and escalation of operational risk events.
- Enhanced risk reporting and KRI monitoring, improving management oversight of operational risks.
- Contributed to the timely remediation of audit findings and control weaknesses.
Bancassurance Specialist
Jubilee Life Insurance
01.2021 - 01.2023
- Managed and grew the insurance policy portfolio while ensuring strict adherence to financial regulations and internal compliance policies.
- Conducted structured follow-ups and continuous client monitoring to prevent policy lapses and minimize risk exposure.
- Prepared and submitted timely compliance, sales performance, and portfolio reports to management.
- Strengthened customer service standards by ensuring consistent engagement and alignment with service governance guidelines.
- Key Impact
- Improved policy retention through proactive client follow-ups and portfolio monitoring.
- Maintained full compliance with regulatory and internal policy requirements.
- Enhanced reporting accuracy and management visibility over portfolio performance.
- Contributed to sustained portfolio growth while maintaining quality and compliance standards.
Accounts Relationship Officer
FINCA Uganda Ltd
01.2019 - 01.2021
- Managed loan and deposit portfolios with a strong focus on credit risk control and overall portfolio quality.
- Reviewed loan documentation to ensure regulatory and policy compliance prior to submission to the Credit Committee.
- Monitored loans in arrears and implemented structured recovery strategies to reduce potential losses.
- Addressed and resolved customer complaints in line with institutional policies and service standards.
- Ensured steady portfolio growth while maintaining low levels of non-performing loans.
- Key Impact
- Strengthened credit quality through disciplined documentation and compliance reviews.
- Reduced arrears exposure through consistent monitoring and proactive recovery efforts.
- Maintained portfolio performance within acceptable risk thresholds.
- Enhanced customer trust and retention through timely issue resolution and professional service delivery.
Education
Bachelor’s degree - industrial & organizational psychology
Makerere University
Postgraduate Certificate - Administrative Law
Uganda Pentecostal University
Uganda Advanced Certificate of Education - undefined
Nalya SS Bweyogerere
Skills
- Compliance & Risk Reporting
- BCM & Crisis Response Support
- Policy & Procedure Implementation
- Fraud and anomaly analysis
- Fraud prevention
- Fraud patterns
- Risk level determination
- Detection models
- Transaction review
- Fraud detection
- AML compliance
- Fraud identification
- Loss prevention
- Effective communication
- Investigative techniques
- Transaction analysis
- Activity monitoring
Languages
English (Fluent)
Luganda
Rutooro
Runyakitara
Leadership Governance Highlights
- Support the implementation of operational risk management frameworks and incident reporting structures in line with internal policy and regulatory requirements.
- Conduct Risk Control Self-Assessments (RCSA) and maintain operational risk registers and risk cartographies across business units.
- Monitor and report Key Risk Indicators (KRIs) to support early detection of operational risks.
- Perform Root Cause Analysis (RCA) on incidents and operational failures to recommend corrective and preventive actions.
- Promote a strong risk culture by engaging stakeholders and providing guidance on risk identification and mitigation.
- Support the incident management process, ensuring timely escalation and reporting of operational incidents.
- Provide risk advisory support to business units on control design, operational risk mitigation, and regulatory compliance.
- Monitor SLA performance and operational incidents to ensure adherence to service standards.
- Support Business Continuity Planning (BCP) and crisis response coordination during operational disruptions.
- Assist in regulatory reporting and compliance monitoring, including AML/CFT awareness and adherence to internal policies.
Training
- Proactive Risk Manager (PRM), ACI Scholar
- Operational Risk Management professional master class, Udemy
- ISO 22301 Foundation, Training Heights
Timeline
Operational Risk & Fraud Analyst
Interswitch East Africa (U) Ltd
01.2023 - Current
Bancassurance Specialist
Jubilee Life Insurance
01.2021 - 01.2023
Accounts Relationship Officer
FINCA Uganda Ltd
01.2019 - 01.2021
Bachelor’s degree - industrial & organizational psychology
Makerere University
Postgraduate Certificate - Administrative Law
Uganda Pentecostal University
Uganda Advanced Certificate of Education - undefined
Nalya SS Bweyogerere