Dillan Bhudia
Chigwell,Essex
Summary
Payment security and fraud disruption specialist with extensive experience in safeguarding the Visa payments ecosystem against advanced cyber and payment threats. Expertise in analysing complex fraud, money laundering and scam ring schemes and mitigating large-scale data breaches including PCI-PFI investigations. Led high-stakes investigations for tier-1 financial institutions and merchants, and collaborated with law enforcement and banks on intricate cases to track criminals via evidence with intelligence tools. Regularly represent Visa at risk committees and conferences, educating clients on emerging payment threats.
Overview
9
9
years of professional experience
Work History
VSIRT, Visa Security Incident Response (Secondment)
VISA
06.2025 - Current
- Assisted team members in triaging, managing tickets, and processing phishing inboxes to support incident response efforts
- Executed solo simulations of real-world tickets to strengthen practical skills in incident resolution at VSIRT
- Utilised QRadar, IRMS, Microsoft Defender, VirusTotal, and Splunk to bolster cybersecurity protocols and incident response capabilities
Data Compromise, Payment Fraud Disruption
VISA
10.2023 - Current
- Executed Visa’s operational response to data compromises and cybersecurity events, maintaining global payment stability and mitigating financial risk.
- Tracked illicit card data using Merchant/Terminal IDs and Auth Codes for Law Enforcement, disrupting money laundering, scams, and organised fraud.
- Identified merchants’ e-commerce weaknesses—including XSS, WAF, and CSP— to neutralize technical exploits and emerging payment threats.
- Leveraged deep payment security knowledge (PCI-DSS) and data fields to proactively identify, and disrupt sophisticated fraud rings.
- Using Payment Security knowledge to investigate fraud schemes and vulnerabilities with merchants, such as infected terminals and fraud with: token provisioning, force-posting, purchase return authorisation, token/EMV relay attacks, infected websites.
- Validates cybersecurity containment reports to confirm the remediation of breaches and ensure the closure of vulnerabilities facilitating financial loss.
- Contributed to the PCI working group by developing investigation templates and compliance updates to strengthen industry-wide security standards.
- Presented emerging payment threats to 3 large finance firms, 2 webinars of 50+ people, and guided work experience individuals, with high-rated feedback
- Trained 2 senior managers and 2 apprentices when newly joined
Fraud Screening Monitoring
VISA
Reading
06.2022 - 10.2023
- Prevented fraud by analysing suspicious activity details using Visa’s Decision Manager.
- Decision-making, ensuring evidence is investigated thoroughly.
- Met SLAs set by the business to keep a consistent workflow for quality assurance.
- Logged investigated information accurately for Visa's partnered merchants to ensure data integrity.
- Led projects to deliver team presentations, fostering collaboration and knowledge sharing.
Cybersecurity Engineer (Secondment)
VISA
04.2023 - 08.2023
- Conducted web application security assessments to identify vulnerabilities using various testing methodologies.
- Developed understanding of web and application cybersecurity attacks and applied effective mitigation strategies.
- Gained expertise in network protocols, data storage, transmission, and performed web application penetration testing using BurpSuite.
Sales Advisor/Technician
Currys
09.2017 - 11.2020
- Increased sales for my team by being attentive and providing best service to customers by achieving KPIs.
- Provided customer service to people with low to high technical knowledge to ensure they found their perfect product, by communicating effectively.
- Provided technician repair/software support for customers at KnowHow, the repair service desk.
Education
Certified Cyber Defender
01-2026
Visa Cybersecurity Payments
01-2025
CompTIA Security+
01-2023
CompTIA Pentest+
01-2023
CompTIA A+
01-2022
Master of Science - Cyber Security
City University London
01-2021
Bachelor of Science - Digital Forensics & Cyber Security
London Metropolitan University
01-2019
IT Level 3 Extended Diploma - Information Technology
Epping Forest College
01-2017
Skills
- Incident Response
- Payment fraud investigation
- Fraud Disruption
- Digital Forensics
- Cybersecurity
- Web application security
- Threat Intelligence
Timeline
VSIRT, Visa Security Incident Response (Secondment)
VISA
06.2025 - Current
Data Compromise, Payment Fraud Disruption
VISA
10.2023 - Current
Cybersecurity Engineer (Secondment)
VISA
04.2023 - 08.2023
Fraud Screening Monitoring
VISA
06.2022 - 10.2023
Sales Advisor/Technician
Currys
09.2017 - 11.2020
Certified Cyber Defender
Visa Cybersecurity Payments
CompTIA Security+
CompTIA Pentest+
CompTIA A+
Master of Science - Cyber Security
City University London
Bachelor of Science - Digital Forensics & Cyber Security
London Metropolitan University
IT Level 3 Extended Diploma - Information Technology
Epping Forest College