Experience

Cifas

• Accounting
• 1 - 100 Employee

• Member Relationship Manager

  • Jun 2019 - Present

• Compliance Officer

  • Feb 2017 - Jun 2019

  Reviewing fraud investigations, cases and matches to ensure that they are compliant with against the principles and rules, whilst meeting the standard of proof. Working with the membership to ensure that the quality of the data on the National Fraud Database and Internal Fraud Database remains high to maintain the integrity for members to act on the data with assurance. Proactively identifying issues (and their root causes) with the Cifas database whilst carrying out reviews. Spotting… Show more Reviewing fraud investigations, cases and matches to ensure that they are compliant with against the principles and rules, whilst meeting the standard of proof. Working with the membership to ensure that the quality of the data on the National Fraud Database and Internal Fraud Database remains high to maintain the integrity for members to act on the data with assurance. Proactively identifying issues (and their root causes) with the Cifas database whilst carrying out reviews. Spotting patterns with the data and highlighting to the relevant parties to ensure appropriate action and resolution. Reviewing the membership’s Fair Processing Notices to ensure data filed to the database is done so with a sound legal basis with any areas of concern explained with a tone adapted for the specific situation. Communicate with all stakeholders in a collaborative informative, empathetic manner to ensure the facts are clearly articulated and the communication style is adapted dependent on the situation. Ability to communicate to consumers in a manner that shows empathy to their particular situation whilst accurately reflecting Cifas policy. Recommending process improvements, identify areas of inefficiency and react accordingly. Contributing to projects and product development through providing subject matter expertise and/or producing agreed outputs. Review and request appropriate management information to identify patterns and anomalies in data. The sole point of contact within the Compliance function for the Participating Agencies and Direct Agencies to ensure the account authorisations process is being adhered to and that the membership can obtain Cifas data through their channels efficiently whilst maintaining strong relationships with all contacts involved.



Tandem Bank

• United States
• Banking
• 1 - 100 Employee

• Fraud Operations Analyst

  • Nov 2016 - Feb 2017

  Sole Fraud Analyst on the Financial Crime Operations Team providing SPOC/SME support to the wider business. Involvement in the ‘build phase’ of Tandem by way of testing internal and external fraud rules within in-house systems, Hunter alerting and Cifas integration. Assisting Management with procedures and system user guides to enable Tandem Bank to operate at launch whilst proactively supporting the identification of weaknesses with financial crime processes and wider control… Show more Sole Fraud Analyst on the Financial Crime Operations Team providing SPOC/SME support to the wider business. Involvement in the ‘build phase’ of Tandem by way of testing internal and external fraud rules within in-house systems, Hunter alerting and Cifas integration. Assisting Management with procedures and system user guides to enable Tandem Bank to operate at launch whilst proactively supporting the identification of weaknesses with financial crime processes and wider control frameworks. Developing Hunter and Cifas best practice guides for use within Financial Crime Operations and keeping up to date with trends to communicate with the wider business. Working closely with Fraud Operations Management, Fraud Analytics Management and the Head of Financial Crime/MLRO to deliver and execute against fraud strategy and risk management framework. Leading on all fraud investigations to ensure that fraud losses are kept to a minimum throughout each phase of launch. Providing training and development to AML, Back Office and Front Office members of staff to assist with the cross-skilling and up-skilling needs of the business particularly in relation to 3rd party vs 1st party indicators specific to plastic and non-plastic products. Assist with KYC processes, customer and supplier screening through the use of adverse media and Dow Jones, transaction monitoring and recognising suspicious activity/proceeds of crime. To take ownership and always look for areas of improvement and self-development in both the Fraud and AML space. Show less Sole Fraud Analyst on the Financial Crime Operations Team providing SPOC/SME support to the wider business. Involvement in the ‘build phase’ of Tandem by way of testing internal and external fraud rules within in-house systems, Hunter alerting and Cifas integration. Assisting Management with procedures and system user guides to enable Tandem Bank to operate at launch whilst proactively supporting the identification of weaknesses with financial crime processes and wider control… Show more Sole Fraud Analyst on the Financial Crime Operations Team providing SPOC/SME support to the wider business. Involvement in the ‘build phase’ of Tandem by way of testing internal and external fraud rules within in-house systems, Hunter alerting and Cifas integration. Assisting Management with procedures and system user guides to enable Tandem Bank to operate at launch whilst proactively supporting the identification of weaknesses with financial crime processes and wider control frameworks. Developing Hunter and Cifas best practice guides for use within Financial Crime Operations and keeping up to date with trends to communicate with the wider business. Working closely with Fraud Operations Management, Fraud Analytics Management and the Head of Financial Crime/MLRO to deliver and execute against fraud strategy and risk management framework. Leading on all fraud investigations to ensure that fraud losses are kept to a minimum throughout each phase of launch. Providing training and development to AML, Back Office and Front Office members of staff to assist with the cross-skilling and up-skilling needs of the business particularly in relation to 3rd party vs 1st party indicators specific to plastic and non-plastic products. Assist with KYC processes, customer and supplier screening through the use of adverse media and Dow Jones, transaction monitoring and recognising suspicious activity/proceeds of crime. To take ownership and always look for areas of improvement and self-development in both the Fraud and AML space. Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Fraud Investigator

  • Jun 2015 - Nov 2016

  Using Systems such as Hunter, Experian, DETICA , Cifas FIND and Norkom. Proficient in Microsoft Office and highly experienced in Auditing, Compliance, Lending and Risk based issues. The Fraud Investigator role is to review complex fraud cases/claims, and this includes: making liability decisions based on their finding, identifying ways to contain the Banks's losses, and creating investigation reports/production reports detailing the circumstances of the case. SFR Operations are… Show more Using Systems such as Hunter, Experian, DETICA , Cifas FIND and Norkom. Proficient in Microsoft Office and highly experienced in Auditing, Compliance, Lending and Risk based issues. The Fraud Investigator role is to review complex fraud cases/claims, and this includes: making liability decisions based on their finding, identifying ways to contain the Banks's losses, and creating investigation reports/production reports detailing the circumstances of the case. SFR Operations are responsible for minimising losses to the Bank, as a result of fraudulent activity on HSBC channels, through use of resource, strategy and best practices.

• Senior Clerk (Compliance/Audit)

  • Jun 2014 - Jun 2015

  •Achieved 100% effective all year on all possible Audit checks (compliance, cash, regulatory control and internal/external fraud) - The first time ever achieved by a branch of this size in the history of HSBC and therefore top nationally on all risk matrix checks. In this Branch-based role you support the Retail Branch Manager in the safety and security of staff at the branch and maintenance of operational efficiency and integrity. Working with all members of the Branch to maintain a… Show more •Achieved 100% effective all year on all possible Audit checks (compliance, cash, regulatory control and internal/external fraud) - The first time ever achieved by a branch of this size in the history of HSBC and therefore top nationally on all risk matrix checks. In this Branch-based role you support the Retail Branch Manager in the safety and security of staff at the branch and maintenance of operational efficiency and integrity. Working with all members of the Branch to maintain a high quality, customer driven sales environment. Taking responsibility for the development and supervision of cashiers at the branch, including trainees. Acting as a point of reference for complex enquiries and authorising value transactions above floor limits. In conclusion doing all of the above while adhering to regulations, legal obligations and data protection rules.



M&S Bank

• Banking
• 200 - 300 Employee

• Banking Assistant

  • Jun 2011 - Jun 2014

  • Award winning customer service. Consistently hitting over 90% in Customer Satisfaction. • Delivering training for new staff for Compliance and Auditing, including lending risks, AML referrals and Procedures. • Help launch the bank through conducting training sessions over four weeks in Head Office for all staff who were new to Retail Banking. Providing the range of products and services to the customers, supporting every life event for the customer. Effectively question and… Show more • Award winning customer service. Consistently hitting over 90% in Customer Satisfaction. • Delivering training for new staff for Compliance and Auditing, including lending risks, AML referrals and Procedures. • Help launch the bank through conducting training sessions over four weeks in Head Office for all staff who were new to Retail Banking. Providing the range of products and services to the customers, supporting every life event for the customer. Effectively question and discuss needs of the customer to provide the product or service that suits. This also means cross-selling and referring where applicable to upgrade, discuss financial advice or many other channels they can take. Being proactive in building and developing the customers, treat the customers fairly and make it the heart of all you do. Show less • Award winning customer service. Consistently hitting over 90% in Customer Satisfaction. • Delivering training for new staff for Compliance and Auditing, including lending risks, AML referrals and Procedures. • Help launch the bank through conducting training sessions over four weeks in Head Office for all staff who were new to Retail Banking. Providing the range of products and services to the customers, supporting every life event for the customer. Effectively question and… Show more • Award winning customer service. Consistently hitting over 90% in Customer Satisfaction. • Delivering training for new staff for Compliance and Auditing, including lending risks, AML referrals and Procedures. • Help launch the bank through conducting training sessions over four weeks in Head Office for all staff who were new to Retail Banking. Providing the range of products and services to the customers, supporting every life event for the customer. Effectively question and discuss needs of the customer to provide the product or service that suits. This also means cross-selling and referring where applicable to upgrade, discuss financial advice or many other channels they can take. Being proactive in building and developing the customers, treat the customers fairly and make it the heart of all you do. Show less