Fraud & Financial Crime Europe 2022

Roy Belchamber is Head of Product Management at NetGuardians, a Swiss Fintech specialising in delivering smarter AI solutions to prevent banking fraud. Roy has worked in the financial crime and compliance area since 2000, with a particular focus on transaction monitoring, for fraud, AML and market abuse. This was originally as co-founder of a specialist software company, subsequently acquired by Thomson Reuters; but more recently at SWIFT where he product managed the design and launch their real-time cross-border payment fraud prevention solution. Roy is passionate about helping customers innovative and get the most out of their investments in technology.

Dr Philip Bonhard is the Head of Customer Experience for Fraud & Security at Llloyds Banking Group. He who has worked in academia, big consulting firms firms, banks and run his own design agency. He holds a PhD in Human Computer Interaction from University College London. Most importantly he’s passionate about designing products / services that make people’s lives better. Other than that he likes to build stuff for his two daughters and tinker with his raspberry pie / arduino boards with the occasional Lego thrown in. He strongly believes that building stuff is more important than describing it

Mark Büsser studied aeronautical engineering at ETH Zurich, Switzerland, and holds an MBA from IMD. He started his career in Management Consulting, then ran a large machine tool company before founding the IMTF Group, which he successfully developed and managed for over 34 years to become a market leader in the fight against financial crime. IMTF Regtech platform provides Anti-financial Crime, Compliance and Client Lifecycle Management solutions in Switzerland and in over 50 countries worldwide.

Nick Clark heads the Fraud Prevention analytics and data science area covering payment fraud and card fraud at Danske Bank in Copenhagen. He has previously worked in quantitative asset management functions in London with previous consulting and core banking experience from both the UK and Denmark. Nick holds separate master’s degrees in Economics (2003) and Bioinformatics (2014). He is also a Chartered Financial Analyst. He joined Danske Bank in Copenhagen in 2019 as a chief data scientist and has over the past 18 months help mature the data science area in collaboration with his wonderful team.

Paul Coady has nearly 25-years’ experience in global financial services. He has worked in Dublin, London and New York and has led significant compliance and financial crime operations and transformation across the U.K., North America, Europe, Asia and Africa. His particular area of focus as a practitioner and a speaker is on how organisations can pragmatically influence compliance, conduct and culture. Paul has held senior roles as the Business Ethics, Policies & Training Manager for Allied Irish Bank, Global Chief Compliance Officer for DBRS Credit Rating Agency and Group Head of Compliance Policy & Learning for Barclays and is currently the Global Head of AFC People, Education & Culture for Deustche Bank.

Richard da Silva is a cybersecurity industry veteran. An experienced business leader with over 15 years of experience in IT companies including RSA and DELL. Passionate about business and technology, Richard started in operational roles moving up to managing strategic territories across EMEA.

With his background, he’s been able to add value in incrementing business and making organizations more effective from a strategic and operational perspective.

Michael is the EMEA Head of Exam and Audit Management at MUFG. The function aims to provide proactive preparation and oversight of financial crime internal audits and regulatory exams/visits within the region. Stakeholder management is also a key part of Michael’s role liaising between auditors/examiners and financial crime compliance colleagues within the department. Prior to this role, Michael worked as an internal audit professional within the financial crime team at Barclays and at consultancy firm, Mazars.

With over 10 years of experience in the financial crime field including fraud investigations and AML, Ionela is currently a leading the Compliance Investigation team and acts as a Financial Crime Advisor at Commerzbank, managing complex investigations across different business platforms. She previously worked in a similar role at Citibank NA. Ionela is a Certified Fraud Examiner and has also trained with the Analysis Training Unit at Greater Manchester Police. Ionela’s particular specialty is investigations into the utilisation of complex corporate networks for financial crime purposes.

Alex’s current responsibilities include leading the financial crime intelligence and data development strategies for Standard Chartered Bank’s High Risk Client Unit. With the support of HRCU colleagues, he leads intelligence projects and proactive investigations to build bank-wide understanding of the financial crime threats. This work supports our colleagues and clients to manage financial crime risks and to protect our customers and the bank. Alex has spent his career collaborating with and within a range of cross-sector organisations and law enforcement, on initiatives that support our collective ability to access the right information and infrastructure to minimise the harmful impact of crime on economies and societies. In addition to pursuing a geeky personal interest in Cyberpsychology, he is a member of the Institute of Leadership, holds a master’s degree in Intelligence and International Security and a diploma in Anti-Money Laundering, and is currently working towards a diploma in Data Analytics.

Dr Nikolay Gaubitch is the Director of Research for EMEA, he leads the development of algorithms for future speech security technologies. Nikolay is an industry expert on ‘what’s happening within the world of phone fraud’.

Nikolay received a Ph.D. in acoustic signal processing from Imperial College London, he spent five years as a member of staff at Imperial College London, managing the Centre for Law Enforcement Audio Research (CLEAR). A further three years as a Postdoctoral Researcher with the Signal and Information Processing Laboratory (SIPLab) at Delft University of Technology where he worked on ad-hoc microphone arrays for speech enhancement in collaboration with Google.

He is the co-author of more than 50 scientific publications and patents, the co-editor of the book “Speech Dereverberation”, and he served as an Associate Editor of the journal IET Signal Processing.

Kyle Gibbons is Managing Director, Europe for Confirmation, part of Thomson Reuters. He previously trained as an auditor at Grant Thornton and is a regular speaker on the topics of technology and fraud risk across accounting and finance.

Serpil Hall is a proven financial crime and fraud management professional with 20 years of commercial experience across many industries and sectors. She has held leadership roles managing teams with responsibility for fraud and financial crime prevention related projects and budgets of up to £6m.

She has deep expertise in fraud operations and fraud controls and has advised numerous Financial Institutions on strategic and tactical improvements. She has extensive experience of building relationships with customers at EY, BAE Systems and FICO and has delivered fraud and financial crime prevention solutions to a wide range of clients across three continents.

Serpil is Product Manager and Head of Financial Crime Prevention at D4t4 Solutions plc and her primary responsibility is the Celebrus Fraud Data Platform (FDP).

Julian oversees Berenberg Capital Markets’ risk management program as the Head of Risk Controlling. Berenberg is a multinational full-service investment bank founded in 1590 with a significant presence in New York. Prior to returning to the industry, he consulted large financial institutions around the globe with a focus on Western Europe and North America. His financial and tech skills made him a trusted advisor across treasury, finance, ALM, and risk departments and a frequent speaker at industry events.

Gary holds a Masters in Security and Risk Management from the University of Leicester and has over 18 years of experience in financial crime risk management. During this time, he has worked in the financial and public sectors on both a local and international level. Gary has particular expertise in identification, analysis and mitigation of risks including money laundering, terrorist financing, fraud and market abuse / misconduct. Currently, Gary is the Head of Financial Crime Investigations and Intelligence at ClearBank, leading across Transaction Monitoring, Payment Screening, Intelligence activity, Law Enforcement engagement (including Public-Private Partnerships) and SAR investigations.

John has spent his career fighting fraud across multiple sectors, working within both Fraud Investigations and Fraud Risk Advisory. An active member of the Anti-Fraud community, John supports Fraud Risk Reduction via his drive for greater collaboration between risk professionals, enhanced awareness of emerging risks, and the  blended use of digital and analogue tools. John is currently the Head of Internal Fraud Risk Prevention at Standard Chartered Bank.

Yuan Li is a senior model validator at Data Science Model Validation of ING Bank, where he leads the validation of models being used in KYC domain, from traditional rule based models to advanced analytic models.
Before model validation, Yuan has worked over ten years in credit risk model development for major Dutch banks such as ABN AMRO and ING. The focus was developing AIRB models (PD, LGD, EAD) for obtaining and maintaining compliance with regulatory requirements from EBA/ECB.
Yuan lives in the Netherlands with his wife and two daughters. Please email yuan.li@ing.com to contact Yuan.

Francisco Mainez is the Head of Data and Analytics for Wealth and Personal Banking Financial Crime Risk at HSBC. Francisco leads a team that supports all activities related to data extraction, analysis and insight reporting, covering Money Laundering, Financial Crime Typologies, Operations , Customer Due Diligence and Tax Evasion, among other areas. His team specializes in using analytics to assess Financial Crime Typologies, particularly in the Cryptoassets area. 

While in HSBC, Francisco has also worked in other Financial Crime Teams, such as the Financial Intelligence Unit and Compliance Reporting. Prior to HSBC, Francisco fulfilled roles in Standard Chartered Bank in London and Singapore after completing several tours of operations in Military Intelligence for NATO and the European Union in different geographical locations.

Francisco holds a MSc in Information and Knowledge Management and a BSc in Politics and International Relations from the University of London-LSE, along with several professional certifications: CAMS, CISI Investment Operations, CFCI (Certified Financial Crimes Investigator) and SAFe (Scalable Agile Framework). In his spare time, Francisco likes to read or ride motorcycles.

Ayan Mukherjee is a Senior Product Owner within Model Risk Management department at ING bank and is the project, stakeholder and backlog manager for model validation team. As a Product Owner, Ayan has been involved in numerous discussions with KYC and Fraud business and First Line of Defence and is playing a key role in implementation of Model Risk Management throughout the bank as part of Second Line of Defence.

Prior to joining ING, Ayan was a Senior Manager at Genpact and was based out of Boston, USA where his primary responsibility was stakeholder and project management along with leading the credit risk model validation team which was based out of India. Ayan has a Masters in Economics and has in total, 12 years of experience in the banking and financial services industry.

Kevin joined HMRC in 2006 and has been working on illicit finances since 2008, mixing policy, strategy and operational roles, including responsibility for approximately 90 financial investigators and financial intelligence officers, delivering multi-million pound confiscations, cash forfeitures and overseeing HMRC’s award winning Offender Management Enforcement Team.

In his current role, Kevin is the Illicit Finances Threat lead in the Economic Crime Strategy Unit, tasked with overseeing multi-faceted threat mitigation strategies, including engagement with domestic and international partners, and through multi-lateral forums such as the Financial Action Taskforce. Kevin was the law enforcement assessor for the UAE’s FATF Mutual Evaluation Review and recently co-authored a report, alongside The Netherlands, about trends in trade-based money laundering.”

Vinaya is the Global Head of Fraud Risk Oversight for the Institutional Clients Group and Citi Commercial Bank at Citi, and also has regional oversight responsibility for EMEA & APAC across the enterprise. She is responsible for assessing the current strategy and execution of the Fraud Risk Management discipline across the businesses globally; and agreeing the necessary actions with the 1^st line partners to ensure adherence to the policy and framework. Her team works closely with risk colleagues in the regional and business risk teams and other key stakeholders in Corporate Security & Investigative Services, and Information / Cyber Security in maintaining a robust management of fraud risk through policy compliance, improvements in technical infrastructure and operational excellence.

Prior to this role, she was the Operational Risk Management for Citi South Asia, working closely with business and functional heads in proactively managing operational risk and further strengthening the internal controls of our franchise. Vinaya was also responsible for establishing and leading ORM oversight across Asia Regional Enterprise Operations & Technology.

Vinaya has 24 years of experience in financial services. Before her current role in Operational Risk, Vinaya was the ICG Asia Regional Head for Customer Acquisition Due Diligence (CADD) Business Support Unit. In this role, she led a team responsible for supporting bankers in Asia and Japan to fulfill KYC requirements, ensuring full compliance with high quality. Prior to that assignment, she was based in London, driving governance for Global TTS Operations. In this role, she implemented minimum operating standards for 7000+ staff carrying out TTS Operations across 90+ countries to reduce Operational risk and prevent losses.

Vinaya has also worked in Internal Audit (IA), where she led end-to-end reviews of Citi businesses in various countries across the CEEMEA region. She was also part of the EMEA Corporate Finance & Credit team within IA, where she led and participated in strategic reviews on credit risk reporting, credit documentation and loan loss reserve. Prior to IA, Vinaya was part of the Risk Management function for Citi South Asia, heading the Credit Risk Management Services team.

Vinaya is part of the Steering committee of the Citi London Pride Network, acting as Secretary and Treasurer. When based in India, she was the co-sponsor of the first Citi Women’s network in Asia and a member of the India Diversity Council. Over the years, she has been mentoring young professionals, both in and outside Citi. She regularly volunteers with charities working in the financial education sector, and in creating greater opportunities for children from inner-city schools.

Vinaya holds an MBA from IIM, Ahmedabad, and a Bachelor’s degree from SNDT University, Mumbai.

Saeed Patel is the Group Product Development Management Director at Eastnets and has over 25 years’ experience working in capital markets, fintech and regtech firms. He is responsible for delivering solutions in Compliance Financial Risk and Payment solutions.   Saeed’s previous roles includes Director of Product Strategy, Global Technical Compliance Lead and CTO working at tier 1 capital market firms including EDF Trading and National Grid.  Saeed has been a technical advisor to a number of European regulatory boards on market abuse and financial crime.

Saeed is a Chartered Management Accountant and earned his BA degree in Business & Finance from the University of Westminister. As a highly experienced compliance and payment executive he has been a speaker and roundtable panel member at various conferences including FIA, 1LOD, ETOT Energy Trading & Operations and Energy Risk.

Mr Peterson is the Head of EMEA Strategy and Governance team, reporting directly to the MLRO. Riley leads the financial crime contact, providing all oversight of opening new branches in the EMEA region, as well as oversees the global roll out of financial crime policies and procedures. He manages EMEA wide MI and issues management teams, too, Mr Peterson leads the regional technology on strategic implementation of an enterprise wide financial crime system and he’s the regional head of financial crime data governance.

He had previous roles at KPMG and Bear Stearns. He attended the University of Nebraska and Vermont Law School.

Having recently joined Experian, as Fraud Product Director, Tristan brings with him a wealth of fraud prevention, data and technology expertise. During his career he has helped to support the implementation of fraud prevention strategies for many leading international organisations and brands; working with many well-respected fraud prevention companies to grow their footprint both in the UK and globally. He has been directly responsible for the creation of fraud prevention data assets and for spearheading several industry-wide fraud prevention initiatives. In recent times he has pioneered the use of open source data into fraud prevention, investigation and analysis.

His bio is as follows – James is currently Senior Consultant within the Fraud domain with a specific focus on Authentication, Identity and Scams at FICO, covering the EMEA region. He joined FICO in early 2020 after working in fraud and business transformation functions at a number of major global banks. James has substantial experience in both UK and European markets and has focused on delivering strategy and solutions for clients across EMEA, driven by regulatory initiatives including 3-D Secure 2, PSD2 and Strong Customer Authentication and Open Banking.

Iain Swaine has spent 16 years specialising in Cybercrime prevention, initially within the Royal Bank of Scotland where he created their Cyber Intelligence Unit before moving to run the technical aspects of Cybercrime prevention. After a six year period of globally consulting with Banks on their Cybercrime prevention strategies he moved to BioCatch to aid in the strategic implementation of Behavioural Biometrics and to manage client relationships. He realised the opportunity to look behind the device at the person (or bot) interacting with an application opened up new mechanisms to both prevent attacks and also to give insights into adversary capabilities in ways that were not previously possible.

Louie Vargas is a Principal Sanctions Compliance Officer with Danske Bank based in Copenhagen. Previously, he has worked for J.P. Morgan Chase, Agricultural Bank of China, and Deutsche Bank based out of New York City. Currently, he is focusing on controls and technology but has previously focused on other areas within Sanctions such as transaction/customer screening, reporting to OFAC, and list management activities just to name a few. Louie is passionate about learning from and sharing information with others.