Japhet Gana is Yellow Card’s Group Head of Transaction Risk & Financial Crime. He is a seasoned professional with deep expertise in fraud management, transaction monitoring, financial crime prevention and compliance. With a proven record of building and executing effective financial crime prevention strategies across global fintech and banking operations, Japhet plays a key role in safeguarding Yellow Card’s ecosystem across 34 markets.

He began his career at Guaranty Trust Holding Company (GTCO), one of Africa’s largest banking groups with an international footprint, where he gained extensive experience investigating complex cross-border financial crime cases. He later joined Kuda, a fast-growing neobank, where he founded and led the Fraud Management team. At Kuda, Japhet developed and implemented the bank’s enterprise-wide fraud prevention strategy, introduced advanced monitoring systems, and built a scalable fraud framework that strengthened Kuda’s overall operations.

Before joining Yellow Card, Japhet served as Fraud Manager at FairMoney, a global fintech offering digital banking and lending services across Africa. There, he led transaction monitoring, financial crime investigations, and fraud risk management as well as market expansions into Nigeria, Zambia, and Uganda. He also worked closely with regulators and law enforcement agencies including the CBN, FSCA, FIC, NDIC, SEC, EFCC, and the Nigerian Police.

Japhet holds an MBA and a B.Sc. in Business Administration. He is a Certified Fraud Examiner (CFE), Certified CryptocurrencyInvestigator (CCI), Certified Financial Crime Specialist (CFCS), Chainalysis Reactor Certified (CRC), Microfinance Certified Banker(MCIB), and a Member of the Chartered Institute of Loan & Risk Management (MCILRM). He is also an active member of ACFE,ACFCS, ISACA, and the Chartered Institute of Bankers of Nigeria (CIBN).