Michael O'Connor Email & Phone Number

Saratoga Springs, UT, US

Advising financial institutions, start-ups, investors, and enterprise executives in payment/fraud prevention best practices. Topics and activities include:- New account vetting/verification- Account Takeover- Money movement and payment fraud- End-to-end dispute management- Fraud team structure, training, and management strategy- Best-practice technologies.

Palo Alto, California, US

Built best-practice solutions around people and processes to create and maintain trust and safety for Deserve customers. Managed onboarding (account creation) rules, policies, process flow, and partner technologies around Deserve’s various affiliate, white-label, and in-house platform-driven card products and services. Guided a team of Fraud Analysts in.

San Francisco, California, US

Formerly Chargeback (acquired by Sift). Created synergies through partnerships with best-in-class service providers to help online merchants maximize revenue retention by effectively managing fraud and disputes. Created foundational partner processes (e.g., guiding principles, prospect review, scoring, categorization methodology, partnership business.

Utica, New York, US

Developed and instructed distance learning courses in Executive Masters level programs focusing on leading positive change in modern businesses, incorporating best practices to detect and prevent various types of fraud, and implementing sound compliance management.

US

Managed the strategy, team enablement, and development of the Payment and Fraud products within the Radial portfolio.

Burlington, Massachusetts, US

Served in the Product Marketing team as the eCommerce Principal Product Marketing Manager. Also worked in the Web Threat Detection team in a variety of roles, including Advisory Consultant, Global Practice Lead, Analytics Practice Lead, and Senior Practice Consultant. Projects included client consulting (best practices for data and revenue protection) as.

Helped drive loan defaults down and good revenues up through risk management best practices. Mentored a Fraud Manager and Fraud Analyst team on techniques to detect loan fraud and streamline processes. Conducted an enterprise-wide audit of processes, technologies, and mitigation strategies from the call center to database management to loan application.

New York, NY, US

Served as a senior manager in the Data Security Policy and Risk and Decision Management teams. Some projects included EMV (chip card) fraud liability, 3-D Secure policies, travel fraud controls, floor limit policies, Card Security Code requirements, merchant chargeback protection policies, virtual card projects in APAC, One-Time Password (OTP) structure.

US

Helped businesses improve payment options, create/expand payment business, prevent fraud losses, and attain compliance. Clients ranged from investors to start-up businesses to well-established companies who were looking for help gaining an edge with digital payment or reducing losses to fraud.

Portland, Oregon, US

Worked closely with Sales, SE/Integration, Client Group, Marketing, and Data Analytics teams on a variety of services and projects. Some of these included product improvements, client consulting (fraud prevention best practices), internal team enablement (e-commerce and fraud education), client onboarding, and RFP management.

Los Angeles, CA, US

Assembled a payment gateway solution for the company to create and build a payment business from scratch, monetizing the existing and future customer base. While in this role, I served as a member of the Board of Advisors for the Merchant Risk Council.

Bangalore, Karnataka, IN

Established core fraud prevention strategies and systems directed at protecting the company against stolen credit card funding, money laundering, and other types of fraud in a card-not-present mobile environment. Also directed the PCI DSS compliance project for the company and assisted in building out the payment business.

Foster City, CA, US

Structured and launched an entirely new business unit, “Managed Risk”, as an additional revenue channel for CyberSource. Created processes and workflows, hired/trained fraud analysts, and partnered with third-party service providers to enhance investigative services.

Midvale, UT, US

Served in several individual contributor and team management roles during a high-growth period for the company, including Fraud Prevention Manager, International Project Manager, Quality Assurance Specialist, and Escalations Manager. While managing the fraud team I provided consulting services to agents in the local Salt Lake City FBI CyberCrimes unit.

Built the customer service department of ProPay from the ground up, including policies, workflow processes, and agent hiring/training across a multi-channel support environment. Coordinated efforts with technical and network support colleagues to identify criminal activity and shut down fraudsters.