GIUSEPPE GRAZIANO

Ensured compliance with regulations by conducting thorough Enhanced Due Diligence reviews. Requested and analyzed source of income and EDD documentation to validate accuracy and reliability. Compiled and prepared comprehensive reports detailing findings, risk assessments, and final decisions. Proactively identified suspicious transactions and escalated them to internal teams per established protocols. Conducted periodic reviews of customer files to ensure continuous compliance with internal policies. Contributed to developing and refining AML policies, procedures, and systems for improved effectiveness. Supported transaction monitoring by collaborating with team members and escalating concerns appropriately. Provided assistance on special investigations and ad hoc reviews as directed by AML Team Leader.

Ensure adherence to AML and KYC policies by investigating customer activities throughout lifecycle.

Review and validate customer documentation to uphold assigned verification statuses and compliance standards.

Identify suspicious behavior and collaborate with stakeholders for risk-based actions and investigations.

Suggest workflow improvements to enhance operational efficiency and regulatory compliance.

Support regulatory requirements across multiple jurisdictions, ensuring comprehensive compliance measures.

Establish customer affordability through Source of Wealth and Income documentation assessments.

Enhance risk profiling accuracy by evaluating Source of Wealth and Income documentation.

Conduct training sessions on AML compliance to strengthen team knowledge and effectiveness.

Senior Chargebacks Analyst:
Led the restructuring, reorganisation, and supervision of the Chargebacks team, significantly improving performance and operational efficiency. Designed and implemented structured task allocation, daily reporting, and standardized procedures for effective chargeback management. Introduced a comprehensive Chargebacks Standard Operating Procedure (SOP) to streamline workflows and ensure consistency. Collaborated with external telecommunications companies through a data-sharing initiative that supported the Metropolitan Police in identifying and apprehending a gang involved in identity theft and card abuse. Implemented enhanced daily operational procedures, optimising withdrawal processes and strengthening overall Customer Service delivery.

RFP & Chargeback Analyst:
Monitor account registrations, deposits, and withdrawals to detect irregularities and potential fraud. Review and verify customer documentation for authenticity and compliance. Assess fraud risk and take appropriate actions to protect the business. Analyse financial and player activity to minimise financial exposure. Accurately process payments across multiple methods in a timely manner. Investigate and resolve issues related to money transfers, refunds, and transaction discrepancies. Collect, manage, and file chargebacks efficiently in line with internal procedures and regulatory requirements.

Fraud & Chargebacks Analyst:
Review daily customer deposits and withdrawals, evaluating risk and ensuring compliance with regulations and company policies. Investigate alerts for suspicious activity, monitor accounts, and identify patterns to detect and prevent fraud. Collaborate on developing new rules for fraud prevention tools targeting bonus abuse, stolen/fake details, linked accounts, and account takeovers. Verify documentation to confirm authenticity and investigate fraudulent transactions. Analyse chargebacks, manage claims, and work within a team to identify links, methods of operation, and trends for system rules. Coordinate with Compliance, Payments, Customer Service, and VIP teams to enhance fraud prevention efforts. Train new team members and maintain consistent operational standards.

Fraud Analyst:
Conduct daily monitoring of transactions across multiple channels, including web, phone, and retail, to detect suspicious activity. Analyse device IDs, user behavior, and geographic locations to identify potential fraud patterns. Monitor and maintain the white list to ensure trusted entities are correctly managed. Track and evaluate customer usage within the “Talk Mobile” network to detect anomalies and mitigate fraud risk. Generate reports and escalate findings as necessary to support proactive fraud prevention and operational security.

• Shop administrator - Carphone Warehouse/Currys Retail Limited (UK). Mobile phone and telecommunication retailer.
• Shop assistant - Carphone Warehouse/Currys Retail Limited (UK) Mobile phone and telecommunication retailer.
• Shop manager – Oddbins/Nicolas (UK). Off-licence wines and spirits retail.
• Shop assistant – Oddbins (UK). Off-licence wines and spirits retail.