Senior forensic expertise and strategic intelligence for banks, fintechs, and e-commerce. 12+ years on the front line of financial crime.
Digital financial fraud reached record levels in 2025. Real-time data across every major vector.
A structured classification of every major digital fraud type — built for compliance teams and financial institutions.
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Real outcomes across banking, fintech, and e-commerce.
Redesigned end-to-end authorised push payment controls, combining ML-based transaction monitoring with behavioural analytics and targeted customer friction.
Built a synthetic identity and deepfake detection framework for a neobank onboarding 50,000 customers per month — balancing security with conversion rate.
Layered card-not-present strategy combining device fingerprinting, velocity rules, and 3DS2 optimisation — reducing chargebacks without hurting conversion.
Curated intelligence on emerging fraud threats, regulatory changes, and sector alerts — 2025.
Fraudsters using real-time voice synthesis to impersonate bank staff and senior executives. Corporate treasury and wealth management clients targeted. Attacks up 210% since January.
Draft guidelines extend mandatory reimbursement to payment institutions, aligning with the UK PSR framework. Compliance deadline Q4 2025.
AI-generated video IDs used to pass liveness checks. Traditional document verification is no longer sufficient without adversarial detection layers.
Interpol operation identified coordinated romance-to-investment scam infrastructure targeting Spanish-speaking populations across Spain and Latin America.
Fraudsters cloning IVR systems and caller IDs to harvest OTPs. Over 4,200 victims reported in January across Spanish financial institutions.
Senior forensic fraud expert and bank advisor. I design and execute fraud strategies that are commercially intelligent, technically rigorous, and regulatory-ready — across retail banking, fintech, and e-commerce.
Connect on LinkedIn"They don't just build walls — they build smart, efficient defences that protect both your business and your customers."— Chief Risk Officer, International Banking Group
"Their ability to translate complex risk landscapes into clear, actionable strategies — for both technical teams and the board — was invaluable. A strategic leader who anticipates threats before they materialise."
"Henry became more than a consultant — a genuine extension of our team, invested in our security and success. We sleep much better at night."
Senior strategic guidance, fraud audits, investigations, or long-term partnerships — confidential from the first message.
🔒 Treated with full professional discretion. Never shared with third parties.
Data sources & citations
Global fraud losses $534B: TransUnion H2 2025 Top Fraud Trends Report (Oct 2025, n=1,200 business leaders) ·
GenAI-enabled scam growth +456%: Sift Q2 2025 Digital Trust Index (May 2024–Apr 2025) ·
E-commerce fraud $138B: ACFE Top Fraud Trends 2025 / Juniper Research ·
83% of organisations hit by ATO: Sift Q3 2025 / Abnormal Security 2024 ·
ATO losses projected $17B: SEON global fraud statistics / Sift Q3 2025 ·
Deepfake fraud attempts +2,137% over 3 years: Signicat Battle Against AI-Driven Identity Fraud Report (Feb 2025, n=1,206 EU financial institutions) ·
Deepfake losses >$200M North America Q1 2025: World Economic Forum / Keepnet Labs ·
AI fraud losses to reach $40B by 2027: Deloitte Center for Financial Services ·
ATO +21% volume H1 2024 to H1 2025: TransUnion global intelligence network ·
GenAI fraud US losses projected $40B by 2027 at 32% CAGR: Deloitte ·
Pig butchering avg loss €28K: Interpol / press reports 2025 ·
Regulatory dates: EBA, Banco de España, European Commission official publications.