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Chiamaka Agim was too careless with her Card Information, Mobile Phone’- IT specialist Shola Akinwale

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Chiamaka Agim

Over the week, one Miss Chiamaka Agim went viral on social media, calling out Zenith Bank after a fraudulent unauthorized transfer was carried out from her account where a tune of four million Naira was siphoned on the 9th of January 2023. In other to sway public sympathy, Chiamaka resorted to all kinds of threats saying she will commit suicide if her money is not returned to her account. After recounting her experience on how the incident occurred via her post on social media, Shola Akinwale, a time-tested Information Technology personality and former bank employee, took interest in the case and launched a private investigation into what might her transpired leading to an unauthorized transfer.
After his private investigation, Shola found out that the said amount could not have left Chiamaka’s account without authorization via a token which must have been sent to her mobile phone. He further stated that; her card pin, expiry date and other information on it might have been compromised.  Maybe her phone must have been stolen for the person who carried out the fraud to have successfully transferred the money into another account. “The theft was a coordinated one I must tell you. She must have revealed her information to a close ally who carried out the transaction, or she is not saying the truth about what happened to either her ATM card or her mobile phone. She might have revealed some information to those close to her who carried out such theft. On the other hand, her card might have been compromised maybe she had fallen victim to some fraudulent POS operator who has cloned her card. From my investigation, I gathered that it’s not her first time using such means to transfer money using an e-token. No one can authorize the transfer without her access to the mobile phone where the token was or One Time Password OTP must have been inserted to complete the transaction. The funny aspect is that the money was transferred three times into a different account. It means the e-token was generated three times. So something is wrong somewhere.
According to section 3,4,6, Cardholders users of CBN guidelines on the operation of electronic payment channels in Nigeria issued in June 2020A card holder/ user shall;
Protect the Payment card, mobile device and pin with due care.Notify the issuer immediately the pin is compromised.
iii. notify the issuer immediately about stolen, damaged, lost or destroyed cards and mobile phones.

Section 3.4.6.5  stated further that; The cardholder shall be held liable for fraud committed with his card arising from the misuse of his pin or debit card.”

Zenith Bank is not at fault. The fault is coming from Chiamaka who was careless with her information or her phone. It’s nearly possible for such a huge amount to move without authorization from the owner of the account. So Chiamaka should think deeply and get anyone who might be a suspect around her. She did not guard her information jealously”

On the other hand, sympathizers on social media have also called on Zenith bank to make their investigation and reveal what really happened in the said fraud. Zenith bank quickly swung into action by calling for an in-house investigation. According to an internal memo on the investigation carried out by the bank, it was recorded that; Chiamaka authorized the transfer. She authorized a transfer of 3,715,000, 222,900 and 102,000 via an e-token assigned with serial numbers to the transfers to various accounts in different banks. From investigation, it was gathered that she used the e-token to change the authentication mode from token to Mobile pin on the 21st of November 2021. The Information was also used to enrol a Zenith Bank Mobile Banking app on the 6th of December 2021 on an iPhone 11 pro-Max at exactly 11:25.06 pm. It was gathered that she had authorized many transactions with the E-token and four-digit pin using the mobile app severally and she never complained of any lagging from the bank before the said disputed transaction was carried out. “The transaction was consummated by the device iPhone 11 pro-Max on the 9th of January 2023. If you claim the transaction was not authorized by you is true. It means someone had unrestricted access to your device.’ It was further gathered that when she reported the incident, the e-token was disabled and the fraudulent transfer was escalated to the beneficiary bank which is UBA and Access Bank. UBA claimed the beneficiary account from their end had a good profile and does not depict fraud while Access Bank was able to salvage 800 thousand from the beneficiary account as they await a court order to be able to repatriate the salvaged funds back to Chiamaka’s account.

It was also stated in the investigation that; Chiamaka did not immediately block the account on noticing the fraudulent transfer by using the emergency *966*911#code to block other unauthorized transfers. She also did not call the open 24 hours daily call centre for help. If she had done that, they would have taken swift action by reversing the transaction but she didn’t reach out to the bank for such assistance.

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Al Humphrey Onyanabo Releases book, ‘Precious Little Thoughts To Lift the Day’

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Seasoned Journalist and facilitator of Humanity Awards, Al Humphrey Onyanabo, has released his first book titled, Precious Little Thoughts to Lift The Day on the global bookshop; kdp.amazon.com.
He revealed, that the book is not a religious book neither does it talk about doctrines, but a compendium of divinely inspired inspirational poems that will appeal to human beings who deal with other humans on a daily basis and seek to understand about life and how the relate with the forces and issues that control this plain of existence.
“Who ever we are, what ever is our race or religion or station in life, things happen to us most often that does not make sense. We might try to reason it out, pray, fast, seek counsel or talk it over with a friend, elder or associate and sometimes, the situation persists” He stated.
Sometimes, it’s not for lack of effort but because certain things are beyond our scope of understanding or reasoning.
This life is full of mysteries far beyond our human minds. We live in a world that is billions of years old and sometimes we, young as we are, need more than the wisdom of Solomon to find our way”.
Hear him,”This little two part divinely inspired book will attempt to encourage readers to make sense of certain happenings in and around them. It will not take the place of the Bible or prayer, rather it will help the reader see the hidden hand of a Super power that directs the affairs of men”.
He advices on how to get value from the book,”take time to read it again, if you can read it daily like a devotional. Pick one page a day, read through and ask God to open your mind to understand the words and hidden meanings and how you can apply it.God will reach out to you in a new way as you read this little book and your life will be much better than when you picked it up. 
The veteran journalist stated that because this book is invaluable and not easy to outgrow, he and his publishers are planning a pocket size hardcover edition for the Nigerian market,” This will be easy for you to slip into your purse or bag and read quietly in the bus on at work or just anywhere”.
He says he is  also available to respond to any queries concerning aspects of this book. His email is Precious Little Thoughts.gmail.com

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‘’We Distributed Operational Vehicles To Promote Efficiency and a Safer Lagos’’- LNSA G.M Prince Ifalade Oyekan

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The General Manager of Lagos Neighborhood Safety Agency LNSA; Prince Dr Ifalade Ajasa Oyekan on behalf of Governor Babajide Sanwoolu recently deployed operational pickup Vehicles to various Local Government offices of the agency to enhance efficiency and also provide more ease of movement for officers in discharging their duties in gathering intelligence to help relevant security agencies across the state in other to bring sanity and also curb crime to the barest minimum. 
While presenting keys of the operational vehicles to the Commanding Officers C.O’s from various Local Government operating areas, at the Agency’s head office in Bolade, Oshodi on the 16th of June 2023, Ifalade disclosed that; the Vehicles are provided to ensure the agency and its officers are on top form while discharging their duties. He also disclosed that it will help them at an advantage when they are to respond to distress calls within their community. He disclosed that the new vehicles serve as support from the Government in its quest to combat crimes by providing intelligence reports and also growing community policing within Lagos state. ‘Today, I had the pleasure of presenting new operational vehicles, identification badges, vests, raincoats, and rain boots to officers of the Lagos State Neighborhood Safety Agency to boost operations for effective community policing in the state.’
These items were purchased with the support of the Lagos State Government and the Lagos State Security Trust Fund. It’s a result of the continued efforts and investment of Gov. Babajide Sanwo-Olu in actualizing the security pillar of his administration’s THEMES agenda. It is also part of the agency’s rebranding initiatives as directed by the governor, aimed at equipping officers with the relevant tools to perform their duties optimally.’
While giving his remarks to the officers and representatives present at the handover, Oyekan however noted that; the distribution is coming barely three weeks into Governor Babajide Sanwo-Olu’s second term which shows the high premium he places on security and his dedication to promoting initiatives that move the agency forward to achieve its full potential. 
In addition to presenting the items, he also presented letters of appointment to the newly appointed Divisional Commanders, Corps Officers (COs) Deputy COs, and 16 Zonal Coordinators. 

‘I congratulate all the new appointees whose hard work paved the way for this feat. It is expected that they perform their duties with professionalism and shun activities that will bring the organisation into disrepute.’
He also charged them to be good ambassadors of the agency and also implore them to collaborate with their community by creating a cordial relationship which will help them in gathering information. He also averred that; the most active way to reduce crime to the barest minimum is when you speak up when you see anything strange. 
‘I have told all the officers to ensure they engage their community heads, opinion leaders and Community Development Council CDC members. This will help us mark black spots across Lagos so we can quickly take action before it goes out of hand.  We also call on residents of the community to work in hand with them that’s why it is called Neighborhood, it’s a collective effort and partnership to create a safer Lagos for all to thrive.’ He disclosed.

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Sanwoolu, Dapo Abiodun, Tony Elumelu, others to attend Book Launch on ‘Ife the Cradle of World’

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 All is now set for the launch of a historical book lle ‘Ife the Cradle of World’, written by Nigeria’s High Commissioner to Jamaica, Amb.Maureen Tamuno Ph.D

According to the Press Release made available to journalists, the Coffee- table book, the first of its kind, is based on the Ancestral linkages steming from the ancient city of Ile-Ife.
 It would be recalled that the city is considered as the traditional birthplace and ancestral home of the Yorubas, with His Imperial Majesty, Oba Adeyeye Enitan Ogunwusi, Ojaja II as the current and 51st King.
The publication documents contain the incredible culture and rich history as well as showcasing the links between the Yoruba Nation and the people of the Caribbean and African Americans who are believed to have migrated as a result of the slave trade to countries, such as Cuba, Jamaica, Trinidad and Tobago, Brazil, Haiti and some parts of America.
The book also focuses on four thematic areas; History, Culture, Tourism, and Business. Thus, brief knowledge of the culture/ affinities of the people of Ile-Ife (Yoruba nation) with other countries from historians/ diplomats.  

The event, which would be hosted by Ooni of Ife, His Imperial Majesty Enitan Adeyeye Ogunwusi, is expected to be attended by top dignitaries from all walks of life that includes Governor of Lagos State Mr. Babajide Sanwoolu; Ogun State Governor, Mr. Dapo Abiodun; Oyo State governor Seyi Makinde; Osun state governor, Mr. Ademola Adeleke; Foreign Affairs Minister, Mr. Geoffrey Onyeama, Minister for Interior, Rauf Aregbesola; Executive Chairman Geregu Power Plant, Mr. Femi Otedola, Chairman Heirs Holdings, Mr. Tony Elumelu, Alhaji Razak Okoya, among several others.

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