Ryan Williams
Newcastle
Summary
Senior Fraud & Payments Analysis with 9 years of specialised expertise in E-commerce, focusing on fraud prevention, chargeback & dispute management, researching, and on-boarding alternative payment methods to benefit END's customer base worldwide, and authorisation rate management. I work closely and contribute to wider projects across the digital and finance teams, and I excel in collaborating with various departments throughout the company, assisting them with projects, and AD-HOC exercises.
Overview
9
9
years of professional experience
Work history
Senior Fraud & Payments Analyst
END. Clothing
Newcastle
08.2019 - 09.2025
- Company Overview: Luxury fashion, emerging designers and exclusive sport & streetwear e-commerce
- - Lead an team of fraud investigators, improving department performance through effective management and mentoring.
- - Regularly provide data-drive insights and KPI's to senior leadership, contributing to key decision-making processes and aligning payment strategies with broader organisational goals.
- - Building strategic partnerships with payment gateways, alternative payment providers, fraud prevention providers, chargeback alert providers, while working closely with cross-functional teams in Buying & Merchandising, Customer Experience, Digital, Finance, Marketing, and product to ensure alignment and success to reach KPI's.
- - Liaising with internal, and external departments to ensure we gain all the relevant information to submit in our evidence when disputing chargebacks and disputes.
- - Daily monitoring of authorisation rates per regions to ensure there are no issues with checkout, or any active fraud attacks.
- - Daily monitoring of Visa & Mastercard thresholds to ensure we are well below thresholds, and to implement any necessary changes if needed.
- - Researching and on-boarding leading technologies payment optimisation (KIP), and chargeback alert (Ethoca) systems to help improve authorisation rates, and reducing financial impact, along with allowing us to spot fraud trends in real-time.
- - Analysed fraud data to identify trends and implement process improvement, reducing fraud incidents and increasing operational efficiency.
- - Collaborated with cross-functional teams to optimise fraud prevention strategies and streamline investigation workflows.
- - Collaborate with cross-functional teams to assist various projects within Digital and Finance.
- X-t-cl-color: Alex Wylde - Alex.wylde@endclothing.com
Senior Fraud & Payments Analyst
END. Clothing
Newcastle
08.2019 - 09.2025
- Company Overview: Luxury fashion, emerging designers and exclusive sport & streetwear e-commerce
- - Researching and on-boarding a new payment provider, identifying business needs, and working alongside Bank Hawk, to make an informed decision that meets the business objectives and goals.
- - Maintaining a 'Fraud Incident' tracker to keep a log of any issues, the impact, the actions that were taken to combat the issues, the tracker helps us with reporting, and provides insight to various departments when reporting on number YoY.
- - Daily monitoring of checkout to monitor payment methods split, to identify any potential issues with payment methods.
- X-t-cl-color: Alex Wylde - Alex.wylde@endclothing.com
Fraud & Payments Analyst
END. Clothing
Newcastle
02.2018 - 08.2019
- Company Overview: Luxury fashion, emerging designers and exclusive sport & streetwear e-commerce
- - Working closely with our head of tax to research, and implement a software that helped us achieves compliance with transaction taxes.
- - Researching, and identifying localised alternative payments methods to improve authorisation rates, brands awareness, conversion, and reducing payment costs.
- - Projecting management to liaise all various departments and stakeholders to ensure Implementation and communication was streamlined.
- - Researching potential new markets, and countries for us to ship too, working across multiple departments to make informed data-driven decisions to ensure the correct markets / countries are selected that have the demand, with a friction-less flow with no shipping restrictions. Monitoring & optimisation after go-live.
- - Liaising with various cross-functional departments to inform, and implement new shipping countries.
- - Organising, and presenting regular Fraud & Payment committee meetings to provide updates to CEO's, and other senior members of staff.
- - Managing relationships with our customer service team, Data Protection Officer, Banks, and Police departments to assist with DPA requests to ensure all requirements are met.
- - Managing relationships with our buying & merchandising teams, and conducting competitor pricing analysis to see how competitive we are against our competitors when it comes to our products & shipping prices per regions.
- - Analysing chargebacks and dispute outcomes to see our success rate, where the most successful disputes are, and where we can improve, along with working with payment providers to find out where we could improve our chances of winning disputes.
- - Assisting our finance department with their bank reconciliation processes.
- X-t-cl-color: Alex Wylde - Alex.wylde@endclothing.com
Fraud Analyst
END. Clothing
Newcastle
04.2016 - 02.2018
- Company Overview: Luxury fashion, emerging designers and exclusive sport & streetwear e-commerce
- - Investigating potential fraudulent transaction to make informed decisions.
- - Identifying fraudulent activities, attacks, trends to prevent, or minimise financial losses.
- - Managing fraud tools to make informed, data decisions to adapt to trends.
- - Analysing data to find the perfect balance between approving genuine transactions, and declining fraudulent transactions.
- - Managing relationships with customer service, and warehouse operations teams to continuously educate, train, and update both departments to spread awareness of fraud trends, high-risk brands, areas etc ...
- - Managing customer service, or warehouse queries related to payment issues and fraudulent transactions, ensuring timely response times, to provide resolution and customer satisfaction.
- - Defend against chargebacks and disputes, preparing evidence, from various data sources, and coordinating with payment processors to ensure all criteria is met to minimise financial impact.
- - Managing relationships, and requests from various banks, and police departments to assist in their investigations.
- X-t-cl-color: alex.wydle15@hotmail.com
Education
S
Skills
- - Data analysis - Power BI, Excel
- - Fraud Prevention
- - Product Management tools - Jira, Miro, Trello
- - Chargeback, Dispute Management
- - Payment Reconciliation Processes
- - Competitor Pricing Analysis
- - Payment Processing Fee Analysis
- - Payment Regulatory Compliance (PSD2, SCA, PCI)
- - PSP & Acquirer Relationship Managment
- - Chargeback Alert Tool Management
- - Collaboration
- - Adaptability
- - Communication
- - Leadership
- - Versatility
- - Willingness to perform outside of comfort zone
Hobbies and Interests
- Hiking & Walking, - Running, - Boxing, - Football, - English Bulldogs, - Reading, - Socialising, - Cold Water Swimming
Affiliations
- END. Clothing
- 02/2014 - Present
Timeline
Senior Fraud & Payments Analyst
END. Clothing
08.2019 - 09.2025
Senior Fraud & Payments Analyst
END. Clothing
08.2019 - 09.2025
Fraud & Payments Analyst
END. Clothing
02.2018 - 08.2019
Fraud Analyst
END. Clothing
04.2016 - 02.2018
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