Kelly Styger

Fraud investigations professional with experience leading complex, high-value fraud cases end-to-end within regulated financial services businesses, from evidence gathering through to root cause analysis, regulatory reporting and law enforcement engagement.

Submits Suspicious Activity

Reports to the National Crime Agency and confirmed fraud cases to CIFAS, ensuring outputs meet the evidential and documentation standards required for external scrutiny, including Financial Ombudsman Service review. Track record of translating investigation findings into control improvements, standards and awareness training that strengthen the wider fraud control environment. Comfortable working across Compliance, Risk, Operations and Customer Support to ensure risks are understood, challenged and addressed appropriately.

Fraud Specialist – Operations & Investigations at Equals Money (2024-11 – Present)

• Lead complex fraud investigations involving APP fraud, payment fraud, account compromise and suspicious activity, from initial referral through to evidence-based outcome.
• Interrogate and analyse customer, transactional and payment data to identify suspicious activity, root causes and control weaknesses.
• Submit Suspicious Activity Reports to the National Crime Agency and report confirmed fraud cases to CIFAS, preparing evidence to required evidential standards.
• Manage APP Fraud processes in line with current reimbursement requirements and regulatory expectations.
• Produce structured written outputs supporting fraud reporting, governance discussions and decision-making.
• Assist with fraud rule development and transaction monitoring enhancements, translating investigation findings into control improvements.
• Own creation and maintenance of investigation procedures, case standards and operational guidance documents used across the fraud function.
• Built the CIFAS reporting procedure and Fraud & Risk Narrative framework, and the case management standards the team now runs on.
• Created and delivered fraud awareness training across the business, embedding lessons learned and improving escalation of fraud concerns.
• Work closely with Compliance, Risk, Operations and Customer Support to ensure fraud risks are understood, challenged and addressed appropriately.
• Monitor regulatory developments, industry trends and emerging fraud threats to support continuous improvement of the control environment.

Global Fraud Associate at HiFX Europe Ltd (2023-03 – 2024-10)

• Conducted fraud investigations from initial referral through to resolution across multiple jurisdictions, engaging stakeholders and escalating appropriately.
• Analysed transactional activity and fraud data to identify suspicious behaviour, root causes and emerging fraud risks.
• Investigated payment fraud, transaction monitoring alerts, returned payments, ID concerns and external bank referrals.
• Reported confirmed UK fraud cases to CIFAS and maintained internal fraud watchlists.
• Delivered fraud awareness training to new starters and operational teams; conducted quality control reviews of casework.

Compliance Operations Analyst – Consumer Fraud at HiFX Europe Ltd (2021-01 – 2023-10)

• Monitored customer activity as part of ongoing fraud and compliance reviews, analysing transactional behaviour to identify fraud indicators, root causes and emerging risks.
• Investigated and escalated fraud concerns in line with internal procedures; managed fraud queues and escalated confirmed cases.
• Supported global fraud investigations, first-payment monitoring and identification of recurring fraud typologies.
• Supported CIFAS reporting requirements and internal fraud watchlist management.

Customer Complaints Manager at HiFX Europe Ltd (2019-12 – 2020-12)

• Managed and resolved complex, sensitive customer complaints in line with FCA regulations and required timescales.
• Conducted detailed investigations involving account reviews, call listening and stakeholder engagement; prepared complaint files for Financial Ombudsman Service investigations.
• Identified root causes of complaints, recommended corrective actions and escalated operational issues to senior management.

Client Support Executive at HiFX Europe Ltd (2017-03 – 2019-01)

• Provided customer support across telephone, email and digital channels; assisted with onboarding, compliance documentation and account enquiries.
• Escalated priority issues and supported complaint resolution activities; assisted with onboarding and coaching for new starters.

A Level in Psychology, Geography, Information Technology and Law