- Responsible for a variety of projects focussed on improving Shift4 Europe’s onboarding of new clients and the management of the risk of their existing ones through greater automation and by leveraging tools available from new and existing vendors. Specific focus on building an automatic onboarding engine in conjunction with several vendors I’ve selected and have built relationships with.- Design and implementation of Risk & Compliance QA process to ensure that all relevant Policies and Processes are being adhered to across department.- Involved in ensuring risk support and controls in place for new product offerings such as card issuing, various lending propositions and acceptance of alternative, local payment methods.- Risk ownership of Shift4 Europe’s corporate loan book including initial assessment, regular reviews and client communication.

- Responsible for a variety of projects focussed on improving Finaro’s onboarding of new clients and the management of the risk of their existing ones through greater automation and by leveraging tools available from new and existing vendors. Specific focus on building an automatic onboarding engine in conjunction with several vendors I’ve selected and have built relationships with.- Involved in ensuring risk support and controls in place for new product offerings such as card issuing, various lending propositions and acceptance of alternative, local payment methods.- Risk ownership of Finaro’s corporate loan book including initial assessment, regular reviews and client communication.

- Responsible for the day-to-day onboarding of acquiring customers and Payment Facilitator sub-merchants. All new customers were checked against AML/KYC requirements with UBO identified and screening done against Match/VMSS as well as PEP and Sanctions list. Underwriting team of four analysts with a team leader reported into me.- Support with Risk checks in the onboarding of new customers and with training and reviews for our network of Partners (PFs, PSPs, etc).

ClearCourse is a partnership of innovative technology companies providing membership software and services to groups, organisations and businesses. Across this portfolio of tech platforms they are focused on creating an environment for talented entrepreneurs and their businesses to thrive. As Head of Risk and Compliance and MLRO my job was to drive the Risk and Compliance agenda ahead of the launch of ClearCourse Partnership LLP's new Payment Facilitator business (ClearAccept) launching later in 2020. In that capacity I conducted a thorough review of their proposed risk management framework, identified and logged gaps and weaknesses and mapped out a plan to remidiateThis was my most involved role on the Regulatory Compliance side and required a lot of research and on-the-job training but I believe has substantially increased my skill-set accordingly.

ClearBank is the UK's first clearing bank and the first to be created in 250 years. I was initially recruited to support the Bank's proposed Acquiring proposition through putting in place the policies, controls and procedures necessary to enable a new acquirer to grow without exposing it to undue Credit, Fraud, Reputation, Scheme and Regulatory Risks. From mid-2018 I had responsibility for the whole of ClearBank’s credit function. Whilst they are not a lender, we needed to ensure that products which the Bank offer which pose a counterparty risk are correctly modelled to ensure that sound credit decisions are taken. I rewrote n the Bank’s Credit Policies and procedures to ensure that they cater correctly for the type of customer that the Bank targets and suite of products that they offer. I performed second line oversight of all new customers to ensure that I am personally satisfied that all customers onboarded have either a sound financial track record or robust business plan and funding.I also owned Concentration Risk in ClearBank, ensuring that we had a good methodology in our concentration analysis, providing extremely useful information to the business about any areas of increased exposure and to the types of business driving our revenues and transactional volumes.Reporting directly into the Chief Risk and Compliance Officer I contributed to the Bank's overall Governance. I took responsibility for helping to embed overall Risk Management in our business, starting with ensuring that we have a functioning Risk Management Framework of policies and procedures. I also reported on Strategic Risk for the Business, tracking our performance vs plan in a number of areas.

Direct management of team of five Credit Analysts day-to-day running entire Underwriting and onboarding process but also with overall responsibility for entire Credit Risk - encompassing financial/contingent risk as well as Reputational, Regulatory and Scheme risks - for the portfolio for Ireland's largest card payment processor. Reviews of back-book of accounts including periodic reviews were conducted by First Data out of the UK but with oversight into me giving me essentially responsibility for entire credit lifecycle for our Clients.13,000 applications crossed my desk every year with more than 95% approved. My discretionary authority was €750,000 in contingent exposure.Nature of the role and the diversity of the book meant that the role required close understanding of a huge number of sectors, including Gaming, Airlines, e-Wallets, Money Transfer, Travel, Furniture and much more besides. We had 35+ different sales channels from Direct Field Sales and telesales teams to U.K. ISOs to PSPs to large pan-European payment acceptance providers, each of which required training, support and direct access to myself which meant cultivating and maintaining strong relationships.From 2014 I was a member of AIBMS' Senior Management team working directly under the General Manager giving me input into almost every major decision undertaken as well as strategic decisions about the future of the business. I believe this has given me an understanding of and exposure to various parts of a financial services business - from Finance to Sales to Systems to Customer Service to both Regulatory and Scheme Compliance - which dwarfs that of many purely Credit professionals.At AIBMS I was a member of the Compliance Committee and ran our Risk Committee which involved putting together a monthly pack and delivering to both shareholders information on key Risk accounts and issues/concerns.

Underwriting role for Joint Venture between First Data and AIB which involved relocating to Ireland. Responsible for assessment of applications from SME, Mid-Corp and Corporate business for card processing facilities as well as support for the less experienced members of the team. This role gave me a huge amount of exposure to and understanding of various parts of an acquiring business, particularly Compliance, Sales and Operations and required abilities to work closely with Senior Stakeholders and teams across different countries.

Credit Analyst position amongst Mid-Risk Management team responsible for credit assessment and reports on businesses with contingent liabilities of up to £150,000. Required analysis of processing conduct, financial performance and sector strength as well as abilities to communicate potentially difficult messages with Clients and in case negotiate collection of collateral.

Responsible for assessing cardholder chargeback claims across First Data's book of partner portfolios. Quickly became responsible for working representments, looking at evidence submitted by Acquirers to contest cardholder chargeback claims and assessing whether to reapply the charge to customer accounts or to indicate intention to go to Card Scheme arbitration.

Dealt with chargebacks and representments for two years before moving onto inbound telephone team taking in reports of new frauds