CIFAS - Key Persons

Job Titles:

• Member of the Board
• Senior Independent Director
• Trustee of Jewish Care

Arnold was previously Director of Human Resources at Smiths Group plc. He is now the Chairman of the Pension Protection Fund and has also served as a Non-Executive Director at the UK Atomic Energy Authority, where he chaired the Remuneration Committee. Arnold is active in voluntary and charitable work in the social care and education sectors, and he was awarded an OBE in 2002 for his services to education. Arnold has a background in human resources and organisation. He was previously Director of Human Resources at Smiths Group plc, the FTSE 100 engineer with divisions that made airport security detectors, medical equipment, telecommunications components and mechanical seals. It had 16,000 employees worldwide and Arnold led the group's organisational development, succession planning and talent recruitment. "I am very interested in how you manage growth in an organisation," he says. "That is something Cifas is facing both in terms of its size and scope." He is the Chairman of the Pension Protection Fund, which pays compensation to the members of pension schemes that are declared insolvent, usually because the employer sponsoring the scheme has got into financial difficulty. The PPF has 235,000 members and £28.7bn of assets under management. Last year it paid out £661m in compensation. It is also responsible for the Fraud Compensation Fund which provides compensation on behalf of occupational pension schemes that suffer a loss because of dishonesty. "When you are handling that kind of money the risks around cyber security and identity fraud are live issues," he adds. "I am not a believer that technology solves everything. You can have the best technology in the world but if people aren't clued in to implement it intelligently then somebody is going to find you out." He thinks Cifas' members need to be constantly vigilant if they are to get on top of the fraud threat. Arnold has been a trustee of Jewish Care since 2008 and was appointed vice chair in 2012. The charity is the largest provider of health and social care services for the Jewish community in the UK and every week touches the lives of 10,000 people.

Job Titles:

• Chairman of the Advisory Board

Ashley has been at Monzo Bank since October 2021, focussing on fraud and financial crime. Prior to joining Monzo, Ashley was at TSB for just over five years, leading various teams including fraud strategy and systems, customer awareness and education, and law enforcement engagement. At TSB, Ashley established an industry-leading, victim-centric, approach to fraud, with a focus on educating, protecting and supporting customers. He led on the partnership between frontline Policing and TSB, in support of community protection as well as the pursuit of fraudsters, and worked alongside forces across the length and breadth of the UK, as well as national bodies, to bring fraudsters to justice.

Job Titles:

• Member of the Advisory Board

With over 30 years' experience in the financial services industry, David currently has responsibility for fraud across HSBC UK, First Direct, M&S Bank and John Lewis Financial Services. David has previously held senior fraud roles at Lloyds Banking Group, including Group Fraud Director and Fraud Insight & Analytics Director. In addition to his responsibilities whilst at Lloyds, David also sat on the Board of Directors of Financial Fraud Action UK, the industry body that worked collaboratively to protect UK consumers and businesses from fraud and the Home Office led UK's Joint Fraud Taskforce Management Board.

Job Titles:

• Member of the Advisory Board

David has over 16 years experience in a variety of Fraud Risk Management roles across both Financial Services organisations and fraud prevention solution providers. In August 2022, David joined Revolut to lead the fraud prevention efforts across Account Protection and Acquiring Fraud and looks to continue to innovate in fraud prevention in order to fight the ever-changing fraud threats that consumers and businesses face. Prior to joining Revolut, David has held senior fraud roles within the consumer lending space - most recently with Close Brothers and Klarna where he established a global fraud operations group and has previously held fraud consultancy roles with Transunion, supporting organisations across a broad range of different sectors to make effective use of data to help mitigate their key fraud challenges.

Job Titles:

• Member of the Advisory Board
• Corporate Director of the Internal Audit and Anti - Fraud Shared Service, London Boroughs of Waltham Forest and Enfield
• Senior Leader

Gemma is an experienced senior leader in the government administration industry, specialising in internal audit, counter fraud, risk management, managerial finance, governance, and business process improvement. Gemma has worked in the public and charity sectors for over 20 years and is currently Corporate Director of the Internal Audit and Anti-Fraud Shared Service between the London Boroughs of Waltham Forest and Enfield. Gemma is an internal auditor by background, which has given her a strong insight into the design and operation of controls to prevent and detect fraud. For the last 12 years, Gemma's work has focused relentlessly on the protection of public funds, both by the implementation of preventative measures, and the rigorous detection and prosecution of those seeking to defraud the public sector, including high levels of recovery of public housing stock, prevention of fraudulent succession and right-to-buy applications, and corporate/insider fraud cases.

Job Titles:

• Detective Superintendent

Job Titles:

• Member of the Advisory Board

Howard has undertaken a diverse range of roles in the financial services sector spanning the disciplines of operational management, corporate relationship management, strategy and risk management. His current role is Head of Fraud and Financial Crime Oversight for Lloyds Banking Group. His role ensures that the Groups approach to Fraud and Financial Crime prevention aligns to the organisation's Fraud Risk Appetite and the Group's vision and values. He is also an advisory board member for Cifas, the UKs largest cross-sector fraud data sharing organisation, as well as a member of the European Banking Federation Exco financial crime strategy group. In his spare time, Howard enjoys running getting in a 5km jog on most days.

Job Titles:

• Member of the Advisory Board

Joe has worked in fraud prevention for over 12 years, holding a diverse variety of roles across multiple industries including Retail and Financial Services. In August 2022, Joe joined NatWest group to lead the Business and Commercial Card fraud strategy. Prior to this, Joe led the fraud strategy, systems and investigations teams for Capital One (Europe) ensuring losses were mitigated across identity and transactional fraud and embedding regulatory compliance whilst minimising genuine customer disruption. He is a keen advocate of collaboration through the sharing of data and intelligence to reduce fraud, regularly contributing to industry panels, conferences and working groups to support the use of innovative solutions.

Job Titles:

• Chairman of the Board

In a career spanning thirty years, John has held the position of Chief Executive within a number of major UK businesses including Tesco.com, Dixons Retail, Monsoon-Accessorize, and Dunelm Group. He has extensive experience of transforming and strengthening the position of some of the UK's most popular retailers. At Dixons, he was responsible for driving their five year transformation strategy and oversaw the successful merger of the Dixons Retail business to form Currys PC World. Prior to this, John played a key role in the major transformation of the Tesco operating model, launching and overseeing the retailer's online operation, Tesco.com.

Job Titles:

• Chief Product Officer
• Member of the Executive Team

During his 16 years at GBG, he led the product management team for its identity verification suite, managing the launch of the industry's first truly electronic identity verification (EIDV) service in 2004. He went on to become the General Manager, running both the Identity Verification and Identity Assurance divisions. For the last two and a half years before joining Cifas, Mark held the position of Head of Product and Engineering for TruNarrative, playing a key role in positioning the start-up organisation as a significant presence in the industry. Mark has a wealth of expertise in fraud, identity verification and identity assurance, having worked globally across multiple sectors in the space. In his role at Cifas, he will work with the team to develop its existing product suite, as well as build future propositions for new and existing markets.

Job Titles:

• Chief Executive
• Member of the Advisory Board
• Member of the Board
• Member of the Executive Team

Since being appointed Chief Executive at Cifas in May 2018, Mike has actively worked to grow the community of stakeholders sharing data, intelligence and insight in the pursuit of preventing fraud and financial crime. Mike is passionate about Cifas becoming the driving force behind fraud prevention in the UK and with over 30 years' experience of tackling and preventing fraud across the public, private and not-for-profit sectors, he is determined to bring together a strong cross-sectoral collaborative approach to tackling fraud. With a Master's Degree in Criminology, Mike has led counter fraud efforts in the National Health Service, Ministry of Defence, Office of Fair Trading, HM Revenue and Customs and the Solicitors Regulation Authority. He also worked at the National Fraud Authority directing cross sector fraud prevention strategies. Mike believes that the battle against fraud is one that cannot be won alone and that only by collaborating as a community can turn the tide on fraud and not only protect each other but also make the UK a safer place to live and do business.

Job Titles:

• Director of Public Sector and Learning

Rachael is Director of Public Sector at Cifas and also oversees the Cifas Fraud and Cyber Academy. Rachael was Head of Audit and Counter Fraud in 3 London Boroughs, and is a well-known speaker and author on counter fraud and corruption, sitting on a number of industry Boards.

Job Titles:

• Chief Operating Officer
• Member of the Executive Team

Richard joined Cifas as Chief Operating Officer in 2018 and leads all operational areas of the business as well as Cifas' digital transformation strategy, including overseeing the development and launch of the Cifas Member Portal. Richard has over 25 years' experience within the financial services industry, previously working at Countrywide plc where he held leadership roles focusing on operations, transformation and strategy. He successfully ran one of Countrywide's subsidiary businesses that provides services to corporate clients, and led a team responsible for establishing part of a new corporate strategy. Richard also developed the strategic plan for a newly formed business unit and ran its operations across multiple functions and sites. Prior to that Richard worked in various roles across a number of retail banks in the UK.

Job Titles:

• Member of the Board
• Non - Executive Director
• Chairman of HubBox

Rob has over 30 years' experience in technology and consulting roles. Most recently he was IT Director for J Sainsbury's plc, overseeing the most significant investment in IT platforms in over a decade, and chairing the Information Security Committee. Prior to that Rob was Vice President for Retail and Consumer Products at Computer Sciences Corporation, and Group IT Director at Boots. Rob is Chairman of Chris Fraser Associates, a digital consultancy servicing some of the UK's largest companies. He is also a member of the Board of Governors for the University of the West of England, and a Board advisor to tech startups E:Fundamentals and HubBox. Rob has over 30 years of experience in technology and consulting. The chance to join Cifas fitted in with his desire to take on a range of technology-led non-executive roles. "When I joined I described it as the most important organisation I had never heard of," he says. "But I really like the agenda and the feel of the organisation. It has some fantastic people." Rob was Chief Information Officer for J Sainsbury plc for five years until 2014. He oversaw the supermarket group's most significant investment in IT platforms in over a decade, as well as chairing the Information Security Committee. One project he implemented in that time was a real-time price comparison system that allowed Sainsbury's to check at the till how much the same basket of shopping would have cost in Tesco and Asda. If shoppers found out they could have saved money elsewhere they were given vouchers to make up the difference. "There has been an explosion in the relevance of technology in everything we do," Rob says. "The way in which we can connect people and create new commercial opportunities has grown - but so has the potential scale for fraud as well." Earlier in his career, Rob was Vice President for Retail and Consumer Products at Computer Sciences Corporation, and Group IT Director at Boots the Chemist. "As you would imagine in large retailing groups, there are fairly regularly cases of insider fraud," he adds. "The major players have typically been reticent about sharing details of this, so it is great that Cifas has started the conversation with its Internal Fraud Database. Nobody wants to hire somebody who committed fraud a few years ago but might have left the country before prosecution. I hope members and future members understand that if we pool all we know, it is actually far more valuable for all of us." Rob is the Chairman of HubBox, a start-up that brings click and collect services to online shoppers and retailers, as well as serving as a Non-Executive Director of Daemon Solutions, bringing retail industry experience and added commercial nous to the firm which provides technical consulting services to blue-chip clients. He is also a member of the Board of Governors for the University of the West of England. Rob is keen to see what more can be done with the data that Cifas has at its disposal. "I'm delighted to see the National Fraud Database go into the cloud. It is great to see Cifas achieve a digital transformation of its services. The more we can explore the data using the best analytics available, the more we can find things that connect up to help the membership."

Job Titles:

• Member of the Board
• Non - Executive Director
• Non - Executive Director, Adviser and Consultant

During a distinguished career that spanned both the public and private sector, Sarah-Jill worked for the Foreign and Commonwealth Office before being appointed CEO and Accounting Officer for Her Majesty's Government Communications Centre (HMGCC). More recently, Sarah-Jill worked as the Security Partner for Deloitte UK, combining the duties of Chief Security Officer and Chief Information Security Officer, and was responsible for Confidentiality and Privacy in both the UK and Switzerland. Sarah-Jill's background is 30 years in the Foreign Office, and seven years as Security Partner at Deloitte UK and Switzerland. Sarah-Jill worked in the Foreign and Commonwealth Office, where she had postings to Montevideo, Brussels, Budapest and Washington. Her later career there focussed on operational technology and data. For her final three years in the Public Sector Sarah-Jill was CEO and Accounting Officer of Her Majesty's Government Communications Centre (HMGCC) 2008-2011, shaking up the provision of technology to sensitive parts of government so that it was delivered to time, cost and quality. Sarah-Jill then transitioned successfully to the private sector and was the Security Partner at Deloitte UK from 2012 to 2018, combining the roles of CSO and CISO, with additional responsibility internally for Crisis Management, Confidentiality and Privacy. Answering directly to the Executive, she ran a tight, holistic programme to deliver an uplift in the firm's security posture across all the domains of security in two years, and subsequently designed and ran the firm's GDPR readiness programme from 2016 to 2018. Sarah-Jill now works as a Non-Executive Director, Adviser and Consultant, focussing on cyber security, privacy and incident and crisis management. She specialises in demystifying cyber for Directors and the C suite, helping them to focus on what matters to their business. She is also a mentor and coach. Sarah-Jill speaks French, German, Hungarian and Spanish. She is also an adept ‘interpreter' between technical and non-technical colleagues.

Job Titles:

• New Chief Executive

Job Titles:

• Member of the Advisory Board

Stuart has worked for Direct Line Group for over 21 years and leads multi-disciplined teams focussed on preventing fraud in both commercial and personal lines of business. Stuart and his teams have been successful in gaining insurance fraud awards for collaboration and for the use of Anti-Fraud Technology. He has progressed many initiatives to improve prevention, including robotic process automation, device recognition, digital identities, email risk scoring and biometrics. Having gained professional qualifications in Financial Crime Prevention and Anti-Money Laundering, he has extensive technical knowledge. Stuart chairs DLG's Fraud Risk, Control & Insight Committee, which shares intelligence and tracks the impact of fraud. Stuart is passionate about tackling fraud and protecting victims, through the combined power of working together.

Job Titles:

• Member of the Advisory Board
• National Fraud Lead at Victim Support

Wayne is the National Fraud Lead at Victim Support with responsibility for developing fraud policy and strategy and supporting Victim Support fraud services. He chairs the Victim Support Fraud Community of Practice working group and was a member of the Authorised Push Payment Steering Group that wrote the Contingent Reimbursement Mechanism code. From 2010 Wayne was Area Manager for Victim Support services in Gloucestershire and Wiltshire (and occasionally Dorset). Before joining Victim Support, Wayne worked for homelessness charity Shelter in a range of roles, including casework supervision, court representation, and area services management. Between 1989 and 1995 Wayne was a lecturer and researcher in social sciences at the University of Greenwich and Birkbeck College. He is part of an authorised push payment campaign and lobbying group with other third sector organisations that continues to press for good outcomes for victims of fraud, and he tinkers with old motorcycles in his spare time.

Job Titles:

• Member of the Board
• Board Apprentice
• Legal Expert

Winifred Ujomu is a legal expert with significant experience gained in the world's largest Oil & Gas, Energy, Offshore Windfarm and Professional Services companies. Currently, Winifred is a Supply Chain Manager for Transformation and Business Assurance function at Wood Group Plc (FTSE 100), instilling best practices across the supply chain organisation to drive quality and efficiency. Previously, Winifred was with EY developing a supplier relationship management framework for their new platform, which aims to increase the diversity of their supply chain, and with BP Energy working on a programme to prepare for legal tech implementation. Winifred is hugely passionate about three things that support businesses to enjoy strong, sustainable growth and contribute positively to the communities around them; risk management; digital transformation; ESG. Winifred is embarking on developing her Non-Executive Director experience, and her developmental aspiration is to become a Non-Executive Director, to serve on boards and to support them.

Job Titles:

• Member of the Board
• Non - Executive Director
• Chief Risk Officer for Citibank

She is the Regional Chief Risk Officer for Europe, Middle East and Africa (EMEA) at Citigroup and previously worked for both Morgan Stanley and Barclays in several different roles in both risk and banking roles. She spent several years leading teams which were restructuring companies in trouble, frequently as a result of both internal and external fraud, so she is very aware of how fraud can come from many different sources and the importance of accurate and timely information to help protect companies and individuals. Zoe has over 30 years of experience in investment banking roles primarily within Risk Management. She is a senior investment banking executive with substantial experience in governance, managing within regulatory environments, strategic projects as well as risk management. She was delighted to have the opportunity to join the Cifas Board on an interim basis as it fitted so well with her executive experience combining risk management and strategic projects. Zoe is the Chief Risk Officer for Citibank in Europe, Middle East and Africa, responsible for leadership and oversight of Risk within the region. She has previously worked for Morgan Stanley and Barclays in several different roles including leading Citigroup's Brexit Steering Committee. She spent several years leading team which were restructuring companies in trouble, occasionally as a result of either internal or external fraud, so she is very aware of how fraud can come from many different sources and the importance of accurate and timely information to help protect companies and individuals. "Having seen at first hand the value destruction that can be caused by corporate fraud, I am very excited to be able to use my risk management and governance experience to help Cifas in its fraud prevention services". Zoe is passionate about diversity and inclusion and she considers social mobility a critical consideration for all organisations to succeed. In the same way, she considers it so important that everyone has the same opportunities to avoid the impact of fraud. "Fraud is something that impacts on everyone and anyone and it is so important that fraudsters are stopped wherever possible. Internal frauds occur far more frequently than people realise and it impacts not just on the company, but also on individuals who were working with fraudsters and had the chance to identify the fraud so taking every opportunity to spot internal fraud is critical. I was therefore so pleased to see at first hand the fantastic work Cifas are doing on the Internal Fraud Database to help companies protect themselves against unscrupulous employees".