Jonathan Howes Email & Phone Number

Analyse merchant transactions(Cardholder present, CNP & Ecomm) to mitigate risk. Review fraud to sales ratio and chargeback data. Adhere to anti money laundering requirements and complete suspicious activity reportsReview accounts and evaluate risk and potential fraud.Approve/divert funds according to information gathered. Build and maintain relationships with card issuers

Assess applications from new and existing customers.Issue notice to close and caution accounts when fraudulent activity identified. Excellent working knowledge of Hunter 2, Experian and Cifas Find.Liaise with Hunter 2 and Cifas members regarding fraudulent customers.Produce MI on daily fraud figures.Actively contribute to the local community, e.g. money skills events at schools.

First port of call for motor claims (accident, theft, attempted theft, vandalism).Handle complaints from customers, engineers or other third party insurers, and resolve where possible.Liaise with third parties on outstanding claims and resolve liability.Detect potential fraudulent claims and escalate as appropriate.Update customers on claim progress.Maintain first class customer service at all times.Quickly and accurately make financial calculations.

Key Responsibilities:On-going review of merchant's transaction activity.Build rapport with key customers to detect, prevent and minimise fraud.Responsible for producing fraud monitoring and investigation procedures.Approve or decline funds based on results of investigation.Liaise with international card issuers to get results as quickly as possible.Actively organise quarterly internal fraud audit.Provide internal and customer training in Fraud Awareness.Analyse… Show more Key Responsibilities:On-going review of merchant's transaction activity.Build rapport with key customers to detect, prevent and minimise fraud.Responsible for producing fraud monitoring and investigation procedures.Approve or decline funds based on results of investigation.Liaise with international card issuers to get results as quickly as possible.Actively organise quarterly internal fraud audit.Provide internal and customer training in Fraud Awareness.Analyse fraud and chargeback trends/data and produce monthly MIS to regional head. Assist in the sign up process of high-risk and all ecommerce merchants.Point of call for fraud cases when Police investigations are ongoing. Complete annual Fraud Control Plan and minimum standards. Achievements:Significantly helped to reduce fraud volume by half in 2006, compared to the 2005 volume.Reduced fraud losses for the business to ZERO for 2009.Was the point of contact for the successful migration of Diners Club acquiring to Elavon merchant services October 2009.Assisted with the implementation of CVV2 for key merchants and consequently reduced their fraud losses each month.Drove project for complete overhaul of fraud detection reports to be implemented across European franchises. Re-designed the Card Rewards process for the UK & Ireland.Provided on-going training for the migration of the card issuing business Show less

Detect potential fraud alerts and delegate to colleagues to mitigate risk. Communicate with Retailers on a daily basis to understand unusual account activity. Liaise with Police.Build relationship with business banking managers and branch staff for information on account conduct, health and activity.Rule out money laundering.Review accounts and evaluate risk involved and potential fraud.Approve/divert funds according to information gathered.… Show more Detect potential fraud alerts and delegate to colleagues to mitigate risk. Communicate with Retailers on a daily basis to understand unusual account activity. Liaise with Police.Build relationship with business banking managers and branch staff for information on account conduct, health and activity.Rule out money laundering.Review accounts and evaluate risk involved and potential fraud.Approve/divert funds according to information gathered. Achievements:Team events coordinator -Jan 05 Elected to become selector of reviews - Sept 02Promoted to Tier 2 (high risk merchants) Fraud Investigator - June 02Assigned as Complaints procedures champion - June 02Promotion from assistant investigator to investigator - November 01Received twenty Key player awards Show less

Education record

Education record

including Maths and English