Hi, I’m Beryl Ngum Fonkem

AI-Driven Financial Analyst | Fintech Innovator | Audit & Risk Intelligence Specialist

Transforming financial systems through AI-integrated analytics, ethical fintech governance, and intelligent digital debt solutions.

Creator of AIFA-FinX™ - A breakthrough AI-Integrated Financial Analytics framework redefining the future of predictive finance and fintech innovation.

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AIFA-FinX™ Framework

AI-Integrated Financial Analytics & Fintech Innovation System

AIFA-FinX™ is a landmark innovation developed by Beryl — a next-generation framework that unifies AI, predictive finance, fraud intelligence, digital audit governance, and fintech ethical compliance into one powerful architecture.

Explore My Framework

Meet Beryl Ngum Fonkem

AI-Driven Finance Professional | Financial Analyst | Audit Automation Specialist

Beryl Ngum Fonkem is an accomplished financial analyst and AI-driven finance professional specializing in AI-integrated accounting, predictive financial modeling, digital debt intelligence, and fintech governance. With a master’s degree in accounting and extensive hands-on experience in audit analysis, financial systems, AML processes, and data-driven debt management, she stands at the forefront of the new generation of AI-enabled finance innovators.

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What I Do

AI-Integrated Financial Analytics

Helping organizations implement predictive financial models for:

  • Cash-flow forecasting
  • Debt risk and solvency scoring
  • Customer vulnerability assessment
  • Financial behavior analysis

Digital Debt Intelligence & Strategy

I build AI-assisted debt management systems that:

  • Predict settlement likelihood
  • Segment customer financial behavior
  • Improve negotiation outcomes
  • Reduce re-default risk

Fraud Detection & AML Intelligence

Using machine learning and anomaly detection, I help organizations:

  • Identify high-risk activity
  • Strengthen AML/KYC monitoring
  • Detect fraud rings and suspicious patterns
  • Reduce false positives in fraud systems

Audit Automation & Compliance Analytics

I assist finance teams in:

  • Automating internal audit workflows
  • Developing explainable AI controls
  • Establishing digital audit trails
  • Improving compliance readiness

Improving compliance readiness

I integrate and optimize data flows across:

  • ERP Systems
  • CRM Platforms
  • Accounting Software
  • Payment Gateways
  • Fintech APIs

Ethical AI & Governance in Financial Systems

I provide frameworks for:

  • AI fairness and bias monitoring
  • Explainable AI decision trails
  • Transparent financial recommendations
  • Responsible AI deployment

Publications

Selected Academic Publications

2024 –

Living Free from Personal Debt: A Possibility or A Mere Wish?

Advances in Social Sciences Research Journal

2024 –

The Social, Economic, and International Relations Impact of the 2023 Israel-Hamas War

ASSRJ Journal

2024 –

Leveraging Big Data Analytics to Combat Emerging Financial Fraud Schemes in the USA

World Journal of Advanced Research & Reviews

2024 –

Integrating Cyber Forensic Analysis into Real Estate Investment

IRE Journals

2023 –

The Impact of Digital Transformation on SMEs in the USA

IRE Journals

2023 –

Strategic Use of AI for Enhancing Operational Scalability in Fintech Firms

IJSRMT

Comprehensive Debt Elimination and Financial Empowerment Framework

Amazon Kindle Publishing – 2025

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Professional Journey

Account Analyst – National Debt Relief, New York

  • Integrated AI-based debt modeling
  • Led customer financial analysis
  • Applied AML intelligence tools
  • Strengthened digital debt strategies

Audit Analyst – Paragon Films, Oklahoma

  • Automated audit workflows
  • Detected inconsistencies using ERP intelligence
  • Applied anomaly detection for inventory and financial accuracy
  • Enhanced control systems

Internal Audit – Cearu Medical Resort

  • Improved audit documentation and risk systems
  • Developed AI-assisted quality audit models
  • Strengthened compliance procedures

Strengthened compliance procedures

  • Applied Agile & AI-based project tools
  • Improved operational documentation

Through each role,

Beryl has consistently infused innovation, automation, and analytical excellence into traditional financial functions.

Speaking/Training

Workshops & Training Topics

  • AI in Accounting & Financial Forecasting
  • Ethical AI for Fintech Professionals
  • Digital Debt Analytics & Consumer Finance Intelligence
  • Fraud Prevention with Machine Learning
  • Audit Automation & Advanced Compliance Systems
  • Explainable AI for Financial Institutions
  • Fintech Data Integration Strategies

Book Beryl for corporate training, conferences, fintech summits, and academic sessions.

Book a Strategy Session or Collaboration

Let’s build the future of intelligent, ethical, AI-driven financial systems together

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Phone:

918-428-9908

Location:

Dallas, Georgia, USA

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