freiberufler Digital Banking Data Privacy and Fraud Consultant auf freelance.de

Digital Banking Data Privacy and Fraud Consultant

offline
  • 100‐125€/Stunde
  • Berlin
  • auf Anfrage
  • en  |  de
  • 03.03.2023

Kurzvorstellung

15+ years experience. Data first approach, using analytics and machine learning to derive actionable insight. Matured products towards predictive / prescriptive to reduce fraud and improve user experience. Mobile/Web cyber security expertise.

Qualifikationen

  • Anti Money Laundering
  • Authentication
  • Business Intelligence (BI)
  • Compliance management
  • Cyber Security
  • data privac
  • Digitale Transformation
  • fraud
  • Projektleitung / Teamleitung
  • Security Operations Center (SOC)

Projekt‐ & Berufserfahrung

Principle Fraud Consultant (Festanstellung)
Kundenname anonymisiert, Berlin, Frankfurt
12/2019 – 12/2020 (1 Jahr, 1 Monat)
Banken
Tätigkeitszeitraum

12/2019 – 12/2020

Tätigkeitsbeschreibung

Implemented Strong Customer Authentication (SCA) and continuous transparent monitoring with the bank as the lead consultant in time for PSD2 deadline.

Reduced alerts from over a 10000 per month to 250 - 300 through staff training and rule best practice implementation with IOC automatic hot-listing and rule aggregation.

Increased UX for users by educating fraud team / UX team on transparent monitoring without impacting user journeys.

Performed root cause analysis for authentication friction / failure and recommended a new approach which reduced authentication failure by over 50%

Identified new and unknown risks / attacks to the bank and successfully defended against them.

Identified and addressed unknown bot activity (good and bad). Reduced false alerts generated by automated activity from corporations.

The bank provided feedback that they “flew through compliance discussions with the regulators thanks to the work we completed”.
- Reduced Fraud
- Reduced Operational Costs
- Improved UX

Eingesetzte Qualifikationen

Cyber Security

Principle Fraud Consultant (Festanstellung)
Kundenname anonymisiert, London
12/2018 – 11/2020 (2 Jahre)
Banken
Tätigkeitszeitraum

12/2018 – 11/2020

Tätigkeitsbeschreibung

Implemented Strong Customer Authentication (SCA) and continuous transparent monitoring with the bank as the lead consultant in time for PSD2 deadline.

Created framework with the bank working with the Fraud Operations team to evolve from transaction monitoring to digital session monitoring.

Redesigned onboarding process due to vulnerabilities identified in the recovery process.

Created risk-based alerting whereby auto learning from rules would dynamically increase or decrease the risk in the session reducing the number of false alerts by taking multiple session multiple users into a cumulative alert. This information was fed to a downstream transaction risk analysis and money laundering tool.
- Reduced Fraud
- Increased oversight
- Improved UX

Eingesetzte Qualifikationen

Compliance management, Cyber Security, Security Operations Center (SOC)

Principle Fraud Consultant (Festanstellung)
OneSpan, Berlin
12/2015 – 12/2017 (2 Jahre, 1 Monat)
Banken
Tätigkeitszeitraum

12/2015 – 12/2017

Tätigkeitsbeschreibung

Transforming a mobile authentication application from client side only to server-side continuous authentication. Hardened application and increased insight.

- Enabled company to create product with serverside analytics for mobile devices
- Built features for machine learning models to identify anomalies in mobile devices
- Identified common attacks and provided recommendations to harden mobile application
- Recommended approach to device fingerprinting whilst maintaining privacy
- Identified vulnerability in provisioning process, provided recommendations to secure. Consulted on testing and new release.
- Provided pathway to reduce APP fraud.

Eingesetzte Qualifikationen

Cyber Security, Predictive analytics

Zertifikate

Official (ISC)2 Certified in Cyber Security CC self paced training
2022
Advanced Google Analytics
2022
Google Analytics
2022

Über mich

I love solving problems so enjoy working with banks to help them build a strategic, tactical, and operational approach to fraud and risk monitoring that’s unique to their risk appetite and product offering.
As a lead fraud consultant to global banks, I created a team of highly respected fraud consultants at OneSpan. We successfully implemented 30+ strong customer authentication, fraud and risk solution projects in retail banks, corporate banks, charity banks, national switches, acquirers, and prepaid bin sponsors.

We enabled banks with new digital offerings and neo banks to build fraud teams from the ground up. For example the team and I were involved in creating mission, vision, targets, KPI’s, risk identification, operational structure, recruitment best practice, monitoring, attack simulation, digital process flow documentation, rule / alert best practice.

I regularly bridge business and technical teams as an SME in digital banking attacks. This enables a common understanding and pathway to identify and defend against different types of attacks. I provide recommendations on how to close gaps that exist without impacting negatively on UX and the product roadmap.

Weitere Kenntnisse

SQL, MS Office, ORA, IIS, Oracle (basic), ML, Fraud, AML, Cyber Security, SCA, Compliance, Digital Banking, Digital Transformation

Persönliche Daten

Sprache
  • Englisch (Muttersprache)
  • Deutsch (Grundkenntnisse)
Reisebereitschaft
auf Anfrage
Arbeitserlaubnis
  • Europäische Union
Home-Office
bevorzugt
Profilaufrufe
324
Berufserfahrung
21 Jahre und 2 Monate (seit 01/2003)
Projektleitung
10 Jahre

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