• May 2021 - Present

• Jul 2018 - May 2021

• Nov 2017 - Jun 2018

Risk & Compliance Manager / Deputy MLRO

• Feb 2016 - Oct 2017

Risk & Compliance Manager - Deputy MLRO

• Apr 2013 - Feb 2016

- Ensuring that all prospective merchants/applications are risk reviewed. - Liaising with the operations/ sales team for additional information required in order to support applications and provide effective communication to those that need to be declined due to risk or business reasons. - Taking on responsibilities as the Deputy MLRO (Money Laundering Reporting Officer). Provide support and cover for the Vice President Risk and MLRO. - Liaising with police and law enforcement authorities worldwide including the preparation of witness statements and answering to production orders, DPA requests, and account monitoring orders. - Agreeing on risk and settlement terms according to risk matrix to ensure any exposure is adequately covered. - Contribute to the development and management of the Payleven risk & compliance function. Assisting in half yearly compliance reviews, MasterCard and FCA meetings. - Undertake risk reviews of specific merchants which may include changes to merchant terms, exposure calculation, suspension and termination, and setting limits. - Develop and maintain effective working relationships with acquiring partners, sales team and merchants. - Manage the transaction monitoring systems (Fraud & AML) and the creation of rules effectively to meet regulatory requirements. - Ensure that the business complies with risk policies as well as legislations in the different countries in which the business operates. - Ensuring all policies and procedure are up to date and in line with regulatory and government body changes. - Manage the risk team, undertaking appraisals when required. - Act as point of referral for both internal and external clients/ staff. - To ensure that all risk activities within the team are managed effectively in terms of underwriting, KYC, settlement, fraud and chargeback processes. - Manage AML training for all company staff and Risk/ Compliance training for Risk staff. Show less

Senior Fraud and Risk Analyst

• Jun 2011 - Apr 2013

-Managing the Fraud and Chargeback functions within the Risk Team. -Ensuring that Paypoint.net is not unduly exposed due to the risk that Fraud and Chargebacks present. -Underwriting of new merchant applications, including compliance with credit policy and risk assessment. -Project managed and developed PCI DSS integration for all merchants. -Carrying out Disputes Management and PCI DSS updates. -Identifying and analysing fraud and chargeback levels on a merchant by merchant basis. -Identifying fraud trends at individual and portfolio level. -Making recommendations to improve/mitigate negative trends. -Respond to Card scheme alerts via the Acquiring Partner. -Developing fraud identification tools and procedures in line with Scheme and Compliance changes. Also, making recommendations for development in response to trends seen. -Developed Fraud and Chargeback Monitoring best practice within the Risk Team. -Communicate with Merchants of entry into Card Scheme -Fraud and Chargeback Programs. Working with merchants to produce plans to exit schemes and minimise the impact of potential scheme fines. -Alerting merchants of identified high risk/fraud prone transactions. -Providing Weekly Chargeback Reporting to the management team. -Providing Risk Review support where necessary, ensuring merchants who are showing signs of deterioration are treated with urgency (such as settlement being disabled, and termination). -Decision Settlement of funds to Merchants based on predetermined criteria. -Train new members of staff and supervise team workload. -Providing support to the Compliance Team by ensuring all AML Checks and Credit Checks are performed. -Use of Fraud and PCI tools: - Credit Safe, Soca, Complinet, AIB Insight, Trustwave. -Developed effective relationships with all key internal and external stakeholders to assist with the development of new projects. Show less

Risk and Credit Operations, Fraud, Chargebacks and Disputes Resolutions

• Sep 2010 - Jun 2011

-Fraud monitoring and chargebacks (LINK and MasterCard) -Use of fraud tools: - Cifas, Siran, Equifax, EMS, MasterCard online, Temenos, SAFE reporting, Trusted Terminals -Knowledge of MasterCard and Link Scheme rules and card fraud monitoring. -Member of the UK payments council- ATM Security Work Group and Fraud Work group. -Managing chargeback process- Retrievals Bank via incoming journals, chargebacks, Pre-arbitration and compliance by investigating chargeback cases and identifying chargeback rights. By Utilising experience of MasterCard- MasterCard EUR & UK and Investigating ATM Fraud, Internet Fraud, POS Fraud using fraud tools. -Carrying out High Risk Account monitoring, interbank checks, processing daily transaction data for fraudulent transactions. -Carrying out ID checks and background checks on suspected fraud applicants using Trusted Terminals- Person Identity and validity check (Passports, Identity cards, and Driving licenses) -Point of contact between Vocalink and Metro bank. -Experience in areas such as AML, fraud, sanctions, complaints handing. -Setting store compliance procedures according to the FSA and the regulatory framework. -Supporting the credit operations team in reaching decisions on credit requests and authorising credit facilities on customers’ accounts and credit cards. -Carrying out credit checks to determine credit facilities given for loans and credit cards. -Ensuring all receipts are posted accurately and allocated to the correct invoices for MasterCard. -Ensuring journals, allocations and write offs are posted accurately. -Posting adjustments to write off and PL accounts. Show less