Product Manager for Issuing and Acquiring Risk and Authentication Products for Asia Pacific. I was responsible for the overall profitability and success of those products and in ensuring that they benefited both Visa and our clients in all ways. I liaised with multiple internal and external stakeholders across Asia and the Globe including issuing and acquiring Banks, Technology Companies and Vendors, Regulators, and a range of Visa departments and levels. The products I was responsible for were Visa Risk Manager and Visa Advanced Authorisation Score – tools and risk models, which allow Issuing banks to make detailed risk-based decisions in real time. I was also responsible for Visa’s interpretation of the 3D-Secure protocol, Verified by Visa, the evangelisation and management of the 3DS2.0 programme, as well as various other risk tools and initiatives from different angles and perspectives.

I headed up the Data Analytics and Model Development team within the Financial Crime Investigations Unit at Standard Chartered. This was a group and global role.The role required me to develop, from scratch, the team, infrastructure, processes, procedures and expertise required to build statistical models to proactively detect various forms of Financial Crime types include anti ISIS funding, anti human trafficking, tax evasion detection, anti money laundering and foreign fighter detectionPrimarily we were a SAS based team, though we used a number of different tools and techniques to obtain results and provide business insights and models.This role has allowed me to use my skills I had previously gained in Australia in a global setting. My team was comprised of members from all over the world, and the wider team was based in both Singapore and London, as well as various other regional hubs.

I managed the Fraud Analytics Portfolio team members in order to manage all fraud risks in the bank, minimising losses and maximising customer experience. Portfolios included Credit Cards, Card and PIN, Internet Banking, Internal (staff) fraud, Application, Cheque, and Merchant.My team of six motivated professionals and I created new fraud detection and prevention systems in order to manage new risks as they arose. These were innovative and agile systems that were quickly developed and deployed, dovetailed into complex banking transactional infrastructure to stop risky financial leakage events in real time.We also simulated and created automated fraud rules in pre-existing fraud detection systems to alert on and prevent fraudulent events. I provided the team members with the input and guidance into research for fraud rule and fraud model development and deployment. I also conducted my own research, development and deployment of bleeding edge prevention methodologies and models, from a theoretical to technical deployment and transaction life-cycle interaction perspective.Part and parcel with this role was maintaining a rigorous daily and periodical operating rhythm of tactical work - keeping on top of the most current fraud trends and MOs and developing time critical models and methodologies to mitigate against them.I also ensured all concerned stakeholders in the bank such as Product Heads, Operational and Regulatory Risk Management departments and Project Managers had their expectations met with regards to fraud risks. Ensuring all these departments are made aware of current fraud risks, trends, and the financial (loss expenses and head count) situation with regards to fraud in the bank and the market.I also dealt with and liaised with other external agencies such as Counterpart Fraud Departments, Domestic and Foreign Law Enforcement Agencies, Card Schemes, Fraud System Vendors, Government Regulators, and Universities.

The ACRC is Australia’s forum for Card Fraud Risk issues, and is comprised of all banks and credit unions, Credit Card schemes and Law Enforcement Agencies. I was responsible for designing and maintaining the council’s agenda, driving discussion around key fraud issues and being the key contact in the industry to take matters forward for resolution with all stakeholders.

Initially I was an analyst responsible for developing predictive models to proactively detect application fraud. Very soon after joining I was promoted and given a team (see above). I managed the end to end process of the models' design, implementation into IT systems, benefit realisation, and ongoing monitoring and maintenance. I dealt with almost every department in the organisation, ranging from Fraud Operations, Credit Risk, and the various product heads.

During this time, Data Analytics and AI as an industry was in its infancy and I was fortunate enough to be working on a number of engagements where many of the techniques that are used today were developed. I was chosen to work on site in Germany on a large corruption investigation involving Siemens, and I also worked with a wide range of industries and technologies. My technical experience and quality from Deloitte sets the standard that I demand from me and my staff today.