This Man Is Wanted By EFCC For Withdrawing N45m Mistakenly Credited To His Account

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The man pictured above is wanted by the EFCC for withdrawing N45m mistakenly credited to his account. According to EFCC press statement,
The public is hereby notified that Jerry Ogbonna Obike Phillip, whose photograph appears below, is wanted by the Economic and Financial Crimes Commission (EFCC) in a case of stealing. Phillip allegedly withdrew the sum of N45, 000,000.00 (Forty Five million naira) which was mistakenly credited into his account in a new generation bank by the Central Bank of Nigeria before the money could be reversed to its rightful owner”
So many questions on my mind. How did he withdraw N45M? If you were in his place would you return it?