Michael Marlowe Email & Phone Number

Richmond Hill, ON, CA

Delray Beach, Florida, US

São Paulo, São Paulo, BR

San Francisco, California, US

Fraud Program management Canada and Latin America.

Toronto, ON, CA

• I was responsible for providing leadership and support for the first line of defense in regulatory and association compliance programs and initiatives.
• Led, conducted and validated regulatory compliance risk assessments.
• Monitored the resolution of compliance issues and action plan.
• Served as primary point of contact and subject matter expert on all audit, compliance and regulatory matters in retail payments.
• Ensured compliance controls were designed, implemented and aligned to applicable regulations and risk appetite.
• Worked very closely with the legal and Privacy teams for clarity and direction on complex matters.

• I was accountable to manage a large team of Fraud Detection, Prevention and Recovery managers in three locations 7/24/365 to reduce fraud across all BMO products. The scope of the role included all electronic payment.
• Manager a team of 125 employees plus ten managers across three sites (Toronto, Barrie and Montreal)
• Created and set up the Diners fraud detection team inclusive & managed the portfolio conversion to the TSYS Detection System.
• Managed the outsourced fraud chargeback/recoveries function with TMS/TSYS
• Was responsible for all BMO fraud detection streams
• Maintained relationship with internal business partners (Corporate Security, Internal Audit, Finance, HR and Operational Risk.

Mountain View, California, US

I was responsible for the design and implementation all Fraud, Anti-Money Laundering, Card association Compliance and other Regulatory compliance, Collection and Adjudication policies.

Mountain View, California, US

• I was responsible for the development and implementation of the Pre-Paid MasterCard Fraud Strategy, as well as all policies and procedures related to AML, PCI, and Counter Terrorist Financing along with the management.
• MasterCard Association Compliance
• Relationship Management
• Created and implemented the Collections & Adjudication Policies
• Chargebacks, Retrievals and Customer support.
• The designed and implemented all related operational processes.

Toronto, Ontario, CA

I was responsible for the overall management of the entire Card Issuing business. This included six direct reports who managed a team of fifty five people. This included all aspects of credit card Collections, fraud, risk management, Compliance, Process and Relationship Management.

Toronto, Ontario, CA