Summary
Overview
Work history
Education
Skills
Affiliations
Timeline
Generic
Tom Pinto

Tom Pinto

Pontefract,UK

Summary

An accomplished senior fraud and risk analyst with over a decade of experience in risk mitigation, compliance, and operations. Well versed in using custom-tailored merchant monitoring programmes and navigated complex regulatory frameworks to protect revenue. Expert in translating complex data into actionable insights, consistently delivering results that exceed performance targets.

Analytical and driven, with a strong foundation in data analysis and problem-solving, coupled with excellent attention to detail and communication skills. Proficient in identifying patterns and assessing risks, ensuring accurate and timely decision-making. Committed to leveraging skills to protect assets and ensure compliance in Risk, fraud and compliance roles.

Overview

10
10
years of post-secondary education
2027
2027
years of professional experience

Work history

Risk Team Lead

Axcess Merchant Services
Leeds, West Yorkshire
2024.01 - Current
  • Assessed employee capabilities and assigned tasks accordingly for optimal results.
  • Conducted comprehensive performance reviews for continuous improvement.
  • Drove process improvements through rigorous analysis of existing procedures.
  • Facilitated open dialogue with acquirers and merchants to manage expectations effectively.
  • Implemented quality control measures leading to significant error reduction.
  • Led weekly meetings, providing clear direction on project objectives.
  • Liaised with senior management on strategic planning initiatives, contributing valuable insights.
  • Managed complex projects, ensuring high-quality outputs.
  • Monitored team performance metrics, identifying areas for improvement.
  • Oversaw day-to-day operations, ensuring adherence to company standards.

Senior Fraud and Risk Analyst

Axcess Merchant Services
Leeds, West Yorkshire
2019.11 - 2024.01
  • Assessed potential risks in business operations, ensuring swift action was taken when necessary.
  • Collaborated with departments in cases of serious fraudulent activities, ensuring proper action was initiated swiftly.
  • Evaluate prospective merchants using a rigorous risk-based model during the application phase to minimise portfolio liability.
  • Liaised with acquiring banks and led strategic meetings with high-value merchants to align risk appetites and enhance collaboration.
  • Maintained up-to-date knowledge of jurisdictional regulations, compliance standards, and global card scheme rules to ensure adherence and mitigate risks.
  • Monitor bespoke merchant monitoring programmes that successfully mitigate risk.
  • Tracked merchant activity to proactively detect fraudulent patterns and assess transaction legitimacy.

Managing Director

Chip and Pinto Ltd
Pontefract, West Yorkshire
2018.12 - Current

Fraud and Risk Analyst

Axcess Merchant Services
Leeds, West Yorkshire
2018.03 - 2019.11
  • Analysed transaction patterns to identify potential risks.
  • Assessed potential risks in business operations and took swift action when necessary.
  • Conducted detailed investigations for effective fraud prevention.
  • Created detailed reports following thorough investigation of merchants or recent processing activity.
  • Enhanced fraud detection by implementing advanced risk analysis methods.
  • Implemented preventive measures to curb fraudulent activities and minimise risk.
  • Optimised existing anti-fraud and risk-based systems through regular system reviews and updates.
  • Reviewed financial statements, identifying irregularities in the process.

Customer Service and Sales Advisor

UKA247
2017.02 - 2018.02
  • Calculated accurate project quotes and business estimates while handling high-volume inbound/outbound stakeholder calls.
  • Generated, modified, and presented weekly/monthly Management Information (MI) reports to drive business insights.
  • Managed end-to-end caseload, balancing time-sensitive priorities and client communications to ensure timely resolution.
  • Received merit-based salary increase post-probation for exceptional performance.

Case Handler (Contract)

Santander
2016.05 - 2016.11
  • Achievement: Successfully adapted to rapid policy updates and bank instructions to maintain a 100% quality and quantity target rate.
  • Created bespoke, legally compliant final response letters to customers, clearly outlining investigation outcomes and enhancing customer understanding.
  • Investigated complex PPI claims and delivered definitive uphold/reject decisions strictly in line with FCA guidelines.
  • Performed intricate financial redress calculations while accurately recording complaint details in internal databases, ensuring compliance and traceability.
  • Resolved escalated customer grievances at the first point of contact, delivering a high-quality customer experience.

Complaints Manager (Contract)

British Gas
2015.08 - 2016.03
  • Achievement: Broke the company record for the highest volume of complaints resolved in a single day across 5 distinct teams; consistently exceeded weekly targets.
  • Crafted well-structured arguments to articulate final conclusions to customers, ensuring clarity under high-pressure conditions.
  • Diagnosed system issues through targeted questioning, which prevented recurring complaints and minimised brand escalation.
  • Investigated complex, high-priority customer complaints up to board level, collaborating with internal and third-party stakeholders to remedy root causes.

Information on earlier job roles can be provided

If requested

Education

BSc (Hons) - Computer Forensics

Leeds Beckett University
Leeds
2012.09 - 2015.06

Access to Higher Education -

Wakefield College
Wakefield
2011.09 - 2012.07

Microsoft Certified Systems Engineer (MCSE) - Information Technology

Home Study
2010.01 - 2011.01

GCSEs -

St Wilfrid's Catholic High
1997.01 - 2002.01

Skills

  • Compliance management
  • Data & Reporting: Data analysis
  • Data analysis tools
  • Data-driven decision-making
  • Effective time management
  • Financial analysis and forecasting
  • Risk & Fraud detection, investigation and mitigation
  • Risk analytics software proficiency
  • Strategic forecasting
  • Systems & Software: Excel (Advanced), In-House CRM & Databases, QuickBooks, and Sage Pay
  • Team Leadership
  • Understanding of GDPR
  • Understanding of regulatory requirements
  • Project management experience

Affiliations

  • Cooking
  • Gym
  • Languages
  • Sports
  • Strategy Games
  • Swimming

Timeline

Risk Team Lead

Axcess Merchant Services
2024.01 - Current

Senior Fraud and Risk Analyst

Axcess Merchant Services
2019.11 - 2024.01

Managing Director

Chip and Pinto Ltd
2018.12 - Current

Fraud and Risk Analyst

Axcess Merchant Services
2018.03 - 2019.11

Customer Service and Sales Advisor

UKA247
2017.02 - 2018.02

Case Handler (Contract)

Santander
2016.05 - 2016.11

Complaints Manager (Contract)

British Gas
2015.08 - 2016.03

BSc (Hons) - Computer Forensics

Leeds Beckett University
2012.09 - 2015.06

Access to Higher Education -

Wakefield College
2011.09 - 2012.07

Microsoft Certified Systems Engineer (MCSE) - Information Technology

Home Study
2010.01 - 2011.01

GCSEs -

St Wilfrid's Catholic High
1997.01 - 2002.01

Information on earlier job roles can be provided

If requested

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Tom Pinto