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Thomas D. — Senior Payment Operations and Fraud Risk Specialist from Philippines

Thomas D.

Senior Payment Operations and Fraud Risk Specialist

Philippines 6+ years
Open to offersNew to Platform
Languages
EnglishTagalog
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About

Thomas D. is a seasoned Payments Operations & Fraud Risk Specialist with over 13 years of experience in global banking and independent consulting. His expertise spans across dispute and chargeback management, fraud investigations, and payment-provider due diligence. Thomas adeptly manages the entire lifecycle of chargebacks and representments under Visa and Mastercard guidelines, ensuring compliance with stringent SLAs. At ING Hubs Philippines, he led testing and optimization of screening systems, significantly boosting detection accuracy. Previously at JP Morgan Chase, he was pivotal in representing chargeback cases and monitoring fraud across card portfolios. As an independent consultant, Thomas provides advisory services for high-risk and digital-goods merchants, optimizing PSP and acquirer placement. His educational background includes a Bachelor of Science in Information Technology from the University of Eastern Philippines. Open to remote opportunities, Thomas thrives in multi-market, cross-time-zone environments.

Experience

  • Payments & Compliance Consultant

    Independent Consultant · 2026 — Present
    Provides advisory services to high-risk and digital-goods merchants regarding PSP and acquirer placement within UK, EU, and offshore markets. Conducts email outreach to engage acquirers, PSPs, ISOs, and EMIs for merchant account approvals. Oversees the complete onboarding process by coordinating communication between merchants, processors, and internal stakeholders. Monitors onboarding and due-diligence efforts using Jira, ensuring timely completion of merchant cases. Organizes KYC/KYB documentation in a Dropbox repository for efficient retrieval and compliance. Executes comprehensive payment-provider due diligence to assess counterparty risk prior to onboarding. Leads KYC/KYB and AML reviews, classifying risks based on documentation for acquirers and banks. Evaluates chargeback ratios and fraud-loss risk while managing multiple processors and acquirers.

  • Screening Testing and Optimization Expert

    ING Hubs Philippines · 2024 — 2026
    Directed the full testing and optimization process for name, transaction, and adverse media screening systems, refining rule configurations to enhance detection accuracy and reduce false positives. Assessed fuzzy-match results against thresholds, identifying true signals amid high-volume screening data to streamline analyst reviews. Investigated the root causes of missed and ignored alerts to stimulate ongoing improvements in system configurations. Verified testing outcomes utilizing Moody's RDC and SWIFT STS test feeds for compliance and screening relevance. Compiled findings and recommendations into structured reports for compliance and risk stakeholders.

  • Senior Alert Handler, Name and Transaction Screening

    ING Hubs Philippines · 2020 — 2024
    Managed the daily risk-based disposition of name and transaction screening alerts for SWIFT and SEPA payment flows, consistently achieving SLA and compliance objectives. Investigated potential matches with OFAC, EU, and UN sanctions lists, utilizing fuzzy-match logic to make informed decisions. Escalated confirmed matches in adherence to internal policies, ensuring thorough case documentation for audit readiness. Analyzed SWIFT and SEPA payment messages to determine sanctions exposure during cross-border transactions.

  • Chargeback and Representment Senior Specialist I

    JP Morgan Chase & Co. · 2016 — 2020
    Handled the entire chargeback and representment process for Visa and Mastercard, which included evidence compilation and resolution within strict scheme SLAs. Evaluated dispute reason codes and supporting transaction data to determine representment eligibility. Developed and submitted evidence packages in accordance with scheme rules, adhering to filing deadlines. Managed representment submissions through Visa Resolve Online (VROL) and Mastercard Dispute Form (MCDF), tracking cases until resolution. Monitored dispute outcomes for continuous quality improvement and audit purposes.

  • Fraud Prevention Specialist III

    JP Morgan Chase & Co. · 2012 — 2016
    Conducted fraud investigations and transaction reviews across debit and credit card portfolios, identifying cases of CNP, account takeover, and counterfeit fraud. Monitored transactions flagged by Falcon and Taser decisioning tools to analyze behavioral patterns indicative of fraud risk. Analyzed fraud-loss trends and detected emerging attack patterns, implementing preventative measures such as card blocks and customer notifications. Collaborated with Visa and Mastercard networks regarding fraud claims and resolution processes, while maintaining accurate documentation for regulatory review.

Skills & Expertise

Compliance / RegulatoryCompliance

Education

  • Bachelor of Science in Information Technology
    University of Eastern Philippines