Reporter

Daniel Okoye

Senior reporter, fraud and payments

Daniel covers authorised push payment fraud, payment systems and the reimbursement rules. He previously worked on a regional investigations desk.

Beat: Authorised push payment fraud, payment systems and reimbursement
Based in: London
Years reporting: 11
Joined The Fraud Center: April 2023
Reports in: English, Yoruba

Areas of expertise

APP fraud
Payment systems
Reimbursement rules
Bank complaint handling

Training and background

NCTJ Diploma in Journalism
Former regional investigations desk

How this journalist works

Daniel works from primary documents: bank policy statements, Payment Systems Regulator data and published Ombudsman decisions. He puts findings to firms before publication and records the response.

Published work

Investigation · 24 Aug 2026

Sixty seconds: the anatomy of a bank impersonation call, line by line

We transcribed a real impersonation call reported to our tip line and annotated every sentence. Almost all of the persuasion happens in the first fifteen seconds — before the caller has asked for anything at all.

By Daniel Okoye

News · 23 Aug 2026

NCSC and partners expose "zero-click" phishing campaign aimed at Western organisations

The National Cyber Security Centre and international partners have attributed a phishing campaign requiring no user interaction to Russian state-supported actors. Consumer accounts are not the stated target.

By Daniel Okoye

News · 16 Aug 2026

Late-summer holiday fraud follows the travel advice cycle

Fraudulent accommodation and flight listings track periods when official travel advice changes and travellers rebook at short notice. Payment method is the deciding factor in recovery.

By Daniel Okoye

Explainer · 13 Aug 2026

How the Financial Ombudsman Service works, and when you can use it

The Ombudsman is free, independent and decides cases on what is fair and reasonable. You complain to the firm first.

By Daniel Okoye

Explainer · 12 Aug 2026

The reimbursement rules for APP fraud, in plain terms

Payment firms must assess most APP fraud claims within five business days and reimburse eligible customers. The rules set out narrow grounds for refusing.

By Daniel Okoye

Explainer · 8 Aug 2026

Impersonation scams: what a real bank, HMRC or police call never asks for

Impersonation calls work by creating a deadline. No genuine organisation asks you to move money to keep it safe.

By Daniel Okoye

Explainer · 6 Aug 2026

What authorised push payment fraud is, and how it differs from card fraud

An authorised push payment happens when you are tricked into sending money yourself. Because you pressed send, the protections are different from those on a card payment.

By Daniel Okoye