Cloe Retford

I'm a trained Financial Crime Intelligence Officer with over four years' experience analysing intelligence, identifying financial crime risks, and supporting fraud, money laundering and tax evasion investigations. I'm an Accredited Financial Intelligence Officer and Counter Fraud Intelligence Specialist with advanced block chain and crypto currency investigation certifications. I'm experienced in producing intelligence assessments, identifying suspicious activity, analysing complex datasets and presenting findings to senior stakeholders.

I'm seeking employment opportunities within an investigative, analytical or detection of financial crime field. With my skillset I believe I am most suitable working under AML, KYC, counter fraud or intelligence departments.

INTELLIGENCE OFFICER at HM Revenue and Customs (HMRC) (2022-04 – Present)

• Gather, assess and analyse intelligence relating to tax evasion, money laundering, fraud and wider financial crime.
• Conduct intelligence development and risk assessment using multiple intelligence sources to identify criminal threats and emerging trends.
• Produce detailed intelligence reports, assessments and briefings to support operational and enforcement decision-making.
• Support criminal and civil investigations by identifying intelligence opportunities and evidential leads.
• Share intelligence with internal departments and partner agencies while ensuring compliance with legal, regulatory and data-handling requirements.
• Apply financial intelligence methodologies to identify suspicious financial activity and support the disruption of illicit networks.
• Utilise blockchain analysis tools, including Chainalysis Reactor, to support cryptocurrency-related investigations.
• Present analytical findings and intelligence assessments to senior stakeholders.

WORK COACH at Department of Work and Pensions (DWP) (2020-12 – 2022-04)

Supported individuals and families in overcoming barriers to employment and achieving greater financial independence, particularly during the Covid-19 pandemic. Managed a diverse caseload, conducting structured interviews, assessing individual circumstances and ensuring customers received appropriate support in line with government policy. Developed strong communication, stakeholder management and decision-making skills while handling sensitive situations and challenging conversations with professionalism, empathy and discretion.

• Applied government policies, legislation and operational guidance consistently and accurately when assessing customer circumstances and support requirements.
• Adapted quickly to evolving policies, procedures and service delivery requirements during a period of significant organisational change.
• Conducted detailed customer interviews, identifying support needs and signposting individuals to appropriate services and government programmes.
• Managed complex and sometimes challenging interactions, resolving conflicts professionally while balancing customer expectations with policy requirements.
• Maintained accurate records and handled sensitive personal information in accordance with data protection and security requirements.
• Collaborated with internal teams and external agencies to ensure customers received appropriate support and referrals.

WATER DEPARTMENT MANAGER at Energy Management Ltd (2018-06 – 2020-01)

ADMINISTRATION ASSISTANT at Energy Management Ltd (2017-07 – 2018-05)

Accredited Counter Fraud Intelligence Specialist – Northumbria University (2023-08 – 2023-08)

BA Honours Degree in Criminal Investigation with Psychology – Southampton Solent University (2015-09 – 2018-07)

A Levels in Biology, Psychology and Chemistry

GCSEs in 11 GCSEs (9 As, 2 B's and 1 C) including English Lang (A), Maths (A) and Science (A)