Your Bank Might Owe You Millions
And there is a very good chance you will never find out, unless a forensic expert looks.
Recover excess bank charges and unpaid interest with zero upfront cost and no risk to your banking relationships.
Delivered by AOO Consulting & Services Ltd
In partnership with Okpako & Co (Forensic Accountants)
If you trust your bank statements, you are not alone.
If you are like most CEOs, CFOs, or Finance Directors, you trust that your bank statements are accurate.
After all:
- You reconcile regularly
- Your auditors sign off
- Your finance team is competent
So everything must be fine… right?
Not exactly.
Banks handle thousands of transactions, layered across loans, overdrafts, FX bids, Letters of Credit, collateral deposits, and regulatory accounts.
In systems that complex, errors are not rare. They are inevitable.
And the uncomfortable truth is this:
“The most expensive bank charges are the ones you never notice.”
They don’t trigger alarms.- They don’t show up as fraud.
- They quietly accumulate; month after month, year after year.
Here is why these losses go unnoticed.
The issue is not negligence.
And it is not incompetence.
It is that traditional accounting and audits were never designed to detect forensic-level banking errors.
Standard reconciliations confirm balances.
They do not verify:
Whether interest was correctly computed
Whether charges were contractually valid
Whether deposits earned the credit interest due
Whether FX and LC charges followed agreed terms
So organizations unknowingly:
Pay charges they never owed
✅Leave interest unclaimed
✅Carry distorted cost structures
And because nothing appears broken, nothing gets questioned.
Your team is not failing.
They were never meant to do forensic banking analysis.
Introducing: AOOC Consulting Bank Charge Recovery
A joint forensic, regulatory-aligned banking recovery engagement delivered by AOO Consulting & Services Ltd in partnership with Okpako & Co (Forensic Accountants) designed to find and recover money already taken from you, quietly, professionally, and risk-free.
This is not theory.This is not advisory.This is recovery.Our Core Services
Forensic Audit and Bank Account Review
Structured forensic examination and reconciliation of bank statements to identify excess charges, irregular transactions, and interest shortfalls.
Bank Charges Review and Recovery Support
Identification and recovery of excess COT, VAT, facility fees, FX commissions, and other unapproved or misapplied charges.
Credit Interest Review
Assessment of interest-yielding accounts and fixed deposits to identify unpaid or underpaid credit interest.
Expert Witness Services
Engagement as expert witnesses for financial analysis, evidence presentation, and defence in litigation matters.
Debt Analysis and Settlement Support
Independent analysis of loan and overdraft facilities to support restructuring discussions or full and final settlement decisions.
Financial Advisory Services
Advisory support on facility restructuring, repayment planning, investment evaluation, and fund management considerations.
We help you focus on building your business, while we build ours.
cases completed
Consultants
Awards Won
Awards Won
How it works
No Recovery. No Fees.
Our engagements are performance-based. Clients only incur fees where recoveries are successfully achieved — allowing you to proceed without upfront financial risk.
Understand how the performance-based engagement works →
All engagements are handled with strict confidentiality and discretion.
Why AOO Consulting
Our professional fees are performance-based. Clients incur fees only where recoveries are successfully achieved.
Victor Efenure
Victor Efenure is a Partner and Chief Operating Officer at Okpako & Co (Forensic Accountants), with over 10 years of experience in forensic banking audits and excess charge recovery. A University of Port Harcourt engineering graduate, he leads forensic teams and oversees regulatory-aligned recovery engagements, specializing in detecting excess bank charges and unpaid interest under Nigerian banking regulations.
Adebowale Oshobu, FCA, FCIT
34 years’ finance and management experience. 23 years at Chevron Nigeria and overseas. Former Enterprise CFO and Head of Finance. Led financial management for projects exceeding US$10 billion
Deep expertise in:
- Project finance
- Treasury operations
- Joint interest accounting
- Oil and gas infrastructure projects
- Regulatory compliance and governance
Mr. Edwin Efenure, FCA
Fellow of the Institute of Chartered Accountants of Nigeria (ICAN). Master’s degree in Economics. Over 25 years’ experience as auditor, accountant, and financial adviser
Former roles at:
- Eyiwumi, Rone & Co (Chartered Accountants)
- Nigerian National Petroleum Corporation (NNPC)
- Coscharis Grou
- Chicason Group
He resigned as Financial Controller of Chicason Group to pioneer Okpako & Co, where he leads forensic audit and consulting engagements.
Have any questions? Don’t hesitate to reach us.
A Risk-Free, Confidential Starting Point
Engaging a forensic accounting review requires discretion, clarity, and confidence in the process.
Our initial assessment is designed to help organisations determine whether excess bank charges, interest discrepancies, or recoverable financial exposures exist — without upfront cost and without obligation.
Where recoveries are identified and successfully achieved, our fees are performance-based.
Where no recovery is possible, no professional fees are incurred.
All engagements are conducted with strict confidentiality, disciplined methodology, and evidence standards suitable for regulatory, audit, and litigation environments.
What to Expect After You Submit
A confidential review of the information provided
An initial assessment of potential recoverable charges or interest shortfalls
Clear guidance on next steps, scope, and expected outcomes
No commitment unless recoveries are identified
All information submitted is treated as strictly confidential and is reviewed solely for the purpose of conducting an initial forensic assessment. We do not share client information with third parties, financial institutions, or external advisers without prior consent, except where required by applicable law or regulation. Submission of this form does not constitute a binding engagement. No professional fees are incurred unless recoveries are successfully identified and agreed in writing.