Fraud Program management Canada and Latin America.

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 channels, Debit & Credit card fraud monitoring, kiting, counterfeit and deposit fraud.•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.

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

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 of various aspects of the MasterCard operations, which includes the following•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.•Vendor selection/Vendor management •Served as subject matter expert on all matters related to fraud and compliance

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.