Komi S. Klu, JD, FLMI, CSM, CSPO

Komi S. Klu is a multi-lingual well-respected Financial Services Executive with over 15 years of proven success in driving operational efficiencies and spearheading efforts to prevent and mitigate reputational, financial and operational risks for large global financial institutions, including Capital One Finance and HSBC. Concurrently, Komi has provided leadership and training consulting services, assisting organizations in building solutions for large scale, complex business challenges in support of global economic development and risk management strategies. Komi has earned a reputation for the innovative and strategic leadership he brings to the financial services industry, as well as to global humanitarian initiatives. In addition, Komi is currently assisting Sub Saharan African and global financial institutions become efficient, well managed, and compliant with international legal requirements, including anti-money laundering regulations.

For the past 5 years, Komi has held management positions overseeing governance, risk management, and claims processing operations for the Debt Protection Operations of Capital One Finance (Wilmington, DE). As Manager of Governance and Risk at Capital One Finance, he managed risk for a portfolio of 1 million accounts with Debt Protection products. Prior to joining Capital One, Komi held key management positions during his 12 years with HSBC Insurance Services (Bridgewater, NJ), a subsidiary of HSBC Group, one of the world’s largest banking and financial services organizations with an international network throughout Europe, Asia, the Americas, and Africa. As Vice President of Operations and head of Bancassurance Risk for North America at HSBC, he led and developed a high-performing team of 60 managers and employees, and managed risk for a portfolio of 12.5 million accounts, saving the bank multi-million dollars from potential fraudulent activities

Significant accomplishments include:

  • Komi leveraged his Lean Agile expertise to build an agile workforce and culture, reengineer operational processes, and build a controls framework which resulted in exemplary regulatory and internal audit results.
  • While previously managing the Capital One Claims Department, Komi spearheaded collaborations with all stakeholders to define intent, identify operational risks, and build a structure that was effective in both measuring and mitigating these risks.
  • Komi’s impact on driving operational efficiencies and managing risk within the global financial services industry, has influenced his international consulting efforts as well. He brings both passion and dedication to building global collaborative partnerships in support of business intelligence, economic develop ment and capacity building efforts in Africa, India and Brazil.
  • Komi is Senior Vice President of Emigroup (Accra, Ghana), where he has been instrumental as both an executive and consultant in facilitating numerous business deals for U.S. and Asian companies in Africa, and identifying and preventing fraudulent financial activities.
  • Komi is a sought-after speaker for nationwide (U.S.) conferences focusing on economic development in Africa, and is a Visiting Professor for the University of Lomé Law School.

Komi Motivating a Community Organization July 2015

As a Multi-lingual Financial Risk Professional, Certified Agile-BPM Coach and Thought Leader. Komi is a well sought after Coach and Motivational Speaker With A Contagious Positive Attitude.


Kodjo .E. Tessi
(402) 320 6801

Kodjo Tessi is an innovative payment industry professional with successful experience in Issuing/Acquiring Portfolio Management and Credit and Fraud solutions. As a multi-language professional with extensive management skills, Kodjo has a proven record of financial and reputational risk management and has worked with the card brands (Visa, MasterCard, Discover and American Express) on various acquirer portfolio management programs.

As the head of fraud and deputes operations at TSYS Merchant Solutions, Kodjo leads a team of risk analysts on the acquirer side to prevent, detect and investigate fraud in the payment industry, handles all account data compromise cases as well the compromise point of purchases cases, oversight Independent Sales organization programs, focus on Fraud rules optimization, sales balancing and chargebacks. Kodjo also ensures compliance with credit risk guidelines, fundamental rules and procedures governing the payment industry. Kodjo has a lot of experience with corporate internal audit processes and collaborates with external audit team such as KPMG and Crowe. While working at Total Systems Inc. Kodjo and his team partnered with Aperia Inc. to develop and enhance the risk mitigation tool.

Specialties: Payment Risk; Transaction Risk; Fraud Prevention; Relationship Management; Merchant Processing; Merchant Acquiring; Card Fraud; Card Issuing & Acquiring; Risk & Compliance; Payment Services; Electronic Transactions; Payment Processing; Third Party Risk; Fraud Detection, Non-Regulatory Compliance, Account data compromise, chargebacks, underwriting, merchant accounting, sales balancing ; Suspicious Activity report. Kodjo holds a Master degree in Business Administration (MBA) with a concentration in Accounting from Bellevue University (USA) and a Master degree in Management from Benin University in Lome - Togo.