She completed the Advanced Management Program (AMP) at the esteemed Harvard Business School and holds a certificate in the Global Banking Program from Columbia Business School. She graduated with first-class honors in law from Baze University, Abuja, a bachelor's degree in accounting, and a bachelor's degree in sociology from the University of Jos. She graduated with a Ph.D. in business administration from Apollos University in the United States, a master's degree in law from the University of Salford in the United Kingdom, and an MBA from the University of Calabar.

Among other prestigious professional associations, she is a fellow of the Institute of Credit Administration, the Institute of Certified Public Accountants of Nigeria, the Institute of Chartered Mediators and Conciliators, the Nigerian Institute of Management, the Chartered Institute of Bankers of Nigeria, and the Chartered Banker Institute, UK. In 2022, Dr. Umeoji received the Officer of the Order of the Niger from the Federal Government of Nigeria in appreciation of her services to the development of the country. She is a United Nations Peace Advocate (UN-POLAC). Best wishes Adaora Umeoji, M.D.