Head of Fraud and Transaction Monitoring

• Sep 2023 - Present

Fraud and Transaction Monitoring Manager

• Dec 2022 - Sep 2023

Fraud and Financial Crime Team Leader

• Jun 2022 - Dec 2022

The Credit Thing is an app-based credit card start up with a strong focus on innovative tech to enhance the customer experience. I currently work within the fraud team, leading three financial crime specialists carrying out various tasks such as: • Continuously assessing the effectiveness of our fraud controls and making improvements according to changing trends • Conducting monthly quality control on team members using the new QC framework and scoring system I developed. • Holding weekly team meetings and carrying out training on new processes/tasks • Supporting and managing fraud projects alongside the head of financial crime • Creating visuals for KPI data and fraud models using Tableau • Ensuring transaction monitoring alerts are effectively managed within SLA • Being a point of contact for fraud related queries from stakeholders • Also assisting the team with their BAU tasks such as: SAR submission to NCA, PEP and sanction screening, KYC and assessing fraud risk during onboarding, EDD on existing customers, reviewing high value transactions, Ongoing monitoring, AML alerts, Handling chargebacks via checkout.com, APP scams, impersonation concerns via Experian, CIFAS loadings Show less

Fraud Investigator

• Sep 2019 - Jun 2022

I worked within the UK/IPB EMEA Fraud team dealing with various types of fraud. My day-to-day tasks include, but were not limited to, investigating: - Transactional fraud comprising of card not present, 3DS and ATM fraud. Putting together data for rule creation and prevention and sending SAFE details for chargebacks. - Account takeover fraud, investigating mainly phishing/smishing, remote access fraud, attempted impersonations via our contact centre. Sending indemnities, creating SARs and CIFAS loadings where relevant. - Application fraud also including post-application fraud. I ran a monthly CIFAS batch search of our customer base and complete immigration screening. - High risk transaction approvals based on my analysis of the risk. - APP scams using new UK finance platform - Voice matching I am proficient in using a mixture of bespoke and industry systems to investigate fraud such as EAS black screen for card transactions, Vocalink and Fraud Navigator for ATM transactions, Aspect for phone compromises/SIM swap, RiskFort to analyse 3D secure attempts and transactions, CMAMT and Threat Metrix to monitor online banking activity. I also use databases such as CIFAS, Experian and SIRA. I also pro-actively keep up to date with fraud trends by doing things such as attend the quarterly UK Finance investigators meetings and weekly emerging trends calls. I also participate in initiatives such as Take Five to increase fraud awareness for both customers and colleagues. Show less

Team Coach and Fraud Prevention Specialist

• Apr 2016 - Sep 2019

I am currently working as a team coach and fraud prevention specialist. Within my role I manage and supervise 10 colleagues carrying out various tasks. I assist them, provide coaching, I conduct huddle sessions informing them of changes across the bank, I monitor their performance and behaviours and find ways to improve them. Within the fraud aspect of my role I cover various areas of fraud. One area being working fraud alerts using a system called Threat Metrix, I previously worked alerts using systems ForcePoint and Splunk. With this I assess whether transactions and log ins are genuine by looking at factors such as IP addresses, smart IDs etc. I also work scam cases and I am part of a bank that has signed up to the voluntary code. I am knowledgeable in raising and responding to APP claims, and the different types of scams customers can fall victim to. I also use the voice matching system Pindrop to improve our identification process through the banks telephony system. Additionally, I use TS2 to decipher how card transactions were made and the reason for card declines. Other systems I am acquainted with: T24, CRM and IC Business Manager. Show less