The 17th Annual Conference NOW CPD ACCREDITED
www.londonfraudforum.co.uk
19th OCTOBER 2023 • GUILDHALL, LONDON
Connecting the dots. Trusted by 346 organisations across 24 countries, we’ve been helping organisations facilitate criminal investigations and manage covert operations for over 30 years.
ACOS
Covert operations management
Our intelligence and investigation management software creates actionable insights that help fight fraud and solve other crimes.
CLIO
Critical incident management
Financial Investigation Toolkit Financial analysis and analytics, combined with forensic accounting
Financial Investigator A web accessible investigation toolkit with more powerful insight and interactive dashboards
Insight Visit us on our stand or find out more here
Case and investigation management
Transcribe Fast, accurate and powerful transcription from any medium
www.altiaintel.com sales@altiaintel.com +44 (0)330 808 8600
Altia Solutions Ltd | Tay House, Bath Street, Glasgow, Scotland, G2 4JR. Registered in Scotland No. SC228451 | VAT No. 368 9053 56
Capture Evidence and intelligence capture - anywhere, anytime
A LETTER FROM THE CHAIRMAN I am delighted to welcome you to the LONDON • FRAUD • FORUM 17th Annual Conference. This marks my inaugural year as Chair, succeeding Rob Brooker earlier in the year. Together with our dedicated board, we are committed to building upon Rob’s outstanding legacy and enhancing the value you derive as members of London Fraud Forum. Just last month, we proudly unveiled the brand-new London Fraud Forum website, envisioned to serve as a central hub to exchange best practices in fraud prevention and investigation. Our conference this year boasts an exceptional lineup of speakers who will share insights, research findings, case studies, and thought leadership that will enrich your knowledge, stimulate new ideas, and, for the first time, provide accreditation for your ongoing professional development. What unites our esteemed speakers is their unwavering dedication to making a meaningful impact on you, businesses, and the communities of London and the Southeast by championing fraud prevention and investigation. As a collective force committed to fraud prevention, it is imperative that we seize the current opportunities at hand. In this year alone, we have witnessed the release of the 2nd Economic Crime Plan, the UK Fraud Strategy, and are eagerly awaiting royal assent for the Economic Crime and Corporate Transparency Bill, that will be the trigger for the long-awaited and essential Companies House reform. This will also pave the way for the creation of the Failure to Prevent Offence, followed closely by the Online Safety Bill. We extend our gratitude to our LFF Annual Partners - Altia, Chainalysis, and Smartnumbers - and our exhibitors without whose valued support our event would not be possible. Remember that London Fraud Forum belongs to each one of you. This is your conference, your platform, and your opportunity to connect, collaborate, and share best practices with fellow professionals. With warm regards, Nick Downing, Chair, London Fraud Forum
THE LONDON FRAUD FORUM IS NOW CPD ACCREDITED
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
3
LONDON • FRAUD • FORUM THE 17th ANNUAL CONFERENCE 2023 8:30
REGISTRATION & WELCOME COFFEE
9:00
WELCOME & INTRODUCTION Nick Downing, Chair, London Fraud Forum
9:05
POLICING IN MODERN TIMES - THREAT, ONGOING ACTIVITIES AND CHALLENGES Peter O’Doherty Assistant Commissioner City of London Police, NPCC Coordinator for Cyber and Economic
9:35
HAS THE GOVERNMENT DONE ENOUGH TO BREAK THE FRAUD CHAIN? The Rt Hon the Baroness Morgan of Cotes
10:05
NETWORKING COFFEE & EXHIBITOR SHOWCASE
10:25
PANEL DISCUSSION COLLABORATION IN ACTION: HOW CAN BANKS AND TECH PLATFORMS WORK TOGETHER TO STOP SCAMS IN THEIR SYSTEMS? Moderator: Ruth Evans, Chair, Stop Scams UK Panellists: Nick Perkins, Director of Fraud Prevention, NatWest Tim Pigott, Payments Industry Lead, Nationwide Building Society Kathryn Westmore, Senior Research Fellow, Royal United Services Institute
11:10
COERCION AND CONTROL IN FINANCIAL ABUSE: LEARNING FROM DOMESTIC ABUSE Moderated by: Shari Vahl, Investigative Journalist, BBC4 Radio Dr Elisabeth Carter, Criminologist and Forensic Linguist Louise Baxter, Head of National Trading Standards Scams Team
11:50
HOW CAN WE KEEP UP WITH BAD ACTORS ONLINE? LESSONS FROM UGC MODERATION Zoe Steele, Director of Business Development, Unitary
12:20
NETWORKING LUNCH & EXHIBITOR SHOWCASE
13:20
WHY I CAN STEAL YOUR HOUSE AND YOU CAN’T HAVE IT BACK Shari Vahl, Investigative Journalist BBC Radio 4
13:50
PANEL DISCUSSION HOW CAN WE PROTECT OUR CHILDREN FROM FINANCIAL HARMS? Moderator: Rachael Tiffen, Director, Cifas Learning & Public Sector Panellists: Tracey Carpenter, Insider Threat Manager, Cifas Jonathan Baggaley, Chief Executive, PSHE Association Vicki Shotbolt, Founder and CEO of ParentZone Dr David Zendle from University of York
4
LONDON • FR AUD • FORUM
17th ANNUAL CONFERENCE
CONFERENCE SCHEDULE 14:40
BREAKOUT SESSION Session 1: Main Stage- Old Library AUTOMATION IN THE INVESTIGATION PROCESS - A HELP OR A HINDRANCE? Marguerite Clark, Customer Success Manager, Altia Grainne Casey, Head of Special Operations, RSPCA Session 2: Silent Session - Old Library (back) ORGANIZED FRAUD IN THE CRYPTOCURRENCY ECOSYSTEM Adam Hart, Senior Investigator Session 3: Chief Commoners Parlour EXPOSING THE GROWING CONTACT CENTRE FRAUD RISK Matthew Addison, Chief Revenue Officer
15:20
NETWORKING COFFEE & EXHIBITOR SHOWCASE
15:40
PANEL DISCUSSION BREAKING BARRIERS: ADVANCING GENDER EQUALITY IN COUNTER FRAUD Moderator: Phoebe Waters, Chair, Female Fraud Forum Panellists: Alison Newcomb, Senior Investigator, Newcomb Consultants Catherine Taylor, Employment Partner at CSM Fiona Barron, Director of T-Minus (Leadership Coaching) Chloë Bell, Barrister at 3VB
16:25
OPERATION ELABORATE: A CASE STUDY Detective Superintendent John Roch, Metropolitan Police
16:55
CLOSING REMARKS Nick Downing, Chair, London Fraud Forum
17:00
NETWORKING DRINKS RECEPTION
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
5
GUILDHALL, LONDON ROOM LAYOUT & EXHIBITORS, 2023 Thank You to our Partners & Exhibitors BREAKOUT SESSION 1
MAIN STAGE
CHIEF COMMONER’S PARLOUR
OLD LIBRARY
BREAKOUT SESSION 3
BREAKOUT SESSION 2 SILENT SESSION
4
3
1
PRINT ROOM Catering
1
3
6
5 Catering
Entrance Welcome & Registration
2
2
4
LONDON • FR AUD • FORUM
5
17th ANNUAL CONFERENCE
OUR 2023 PARTNERS
At Altia, we’ve been helping improve the management of a broad range of investigations, for the public and private sector, for almost 30 years. As a long-standing and trusted partner for government, public and private sector intelligence organisations, our solutions and software have helped make many investigations more efficient and effective, while also meeting regulatory, evidentiary and legislative requirements. We’re also ISO 27001 certified. We specialise in criminal and civil investigations, fraud and financial investigations, incident management and a variety of covert fields. Our solutions include digital casefile and business workflow management software, toolkits to analyse data in financial investigations and enterprise application software for covert operations.
altiaintel.com
Chainalysis is the blockchain data platform. We provide data, software, services, and research to government agencies, exchanges, financial institutions, and insurance and cybersecurity companies in over 70 countries. Our data powers investigation, compliance, and market intelligence software that has been used to solve some of the world’s most high-profile criminal cases and grow consumer access to cryptocurrency safely. Backed by Accel, Addition, Benchmark, Coatue, GIC, Paradigm, Ribbit, and other leading firms in venture capital, Chainalysis builds trust in blockchains to promote more financial freedom with less risk.
chainalysis.com
Smartnumbers authenticates callers and detects fraud in real-time, combining the power of AI and community, we build a world of trust in every call. The impact of fraud is alarming, affecting millions of people and costing the UK alone almost £7bn, which accounts for 40% of all crime. Shockingly, 61% of fraud is connected to the contact centre, with one in every 500 calls coming from a fraudster. Unfortunately, current authentication methods often frustrate genuine customers, create inefficiencies and fail to stop fraudsters who conceal or manipulate their phone number. With 58% of fraudsters withholding their number, spotting the concealed risk can be challenging. We are revolutionising the industry by equipping organisations with real-time insight into the risk of a caller. We combine artificial intelligence, deep domain knowledge and a consortium of confirmed fraudsters to prevent fraud and streamline customer experience.
smartnumbers.com
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
7
CONFERENCE TALKS & SPEAKER BIOGRAPHIES WELCOME & INTRODUCTION 9am Nick Downing, Chairman, London Fraud Forum. Director, Financial Advisory - Deloitte Nick Downing took over the voluntary role of Chair of the London Fraud Forum in February 2023. He is currently a Director in the Deloitte Forensic Practice. He joined Deloitte after working as part of the executive team at CIFAS, UK Leaders in Fraud Prevention and a distinguished 30-year career in law enforcement, reaching the senior executive position of Assistant Chief Constable, Head of Serious, Organised and Economic Crime for Kent and Essex Police. As one of the UKs most senior detectives, he was the National Policing lead for Financial Investigation and Proceeds of Crime, leading a campaign across policing to maximise the use of financial intelligence, co-chairing the Strategic Asset Recovery Group. Nick was the former Metropolitan Police Strategic Lead for Proceeds of Crime and previously authored the Fraud prevention strategy for London. He was the National Policing lead to combat Serious, Organised and Economic Crime at the London 2012 Olympic and Paralympic Games. Throughout his career in law enforcement, he worked at a senior level with UK Government, UK and International Law Enforcement. Through development of relationships with key partners in the private sector he was able to pioneer new methods to prevent, disrupt and detect organised crime. These include, working with the specialist print industry to prevent the sale of equipment to manufacture counterfeit identity documents, this led to The Specialist Printing Equipment and Materials (Offences) Act 2015. In addition, he pioneered the sharing of counterfeit identities across the public and private sectors, leading to fraud being prevented and offenders being brought to justice.
8
POLICING IN MODERN TIMES THREAT, ONGOING ACTIVITIES AND CHALLENGES 9.05am Economic and social conditions have changed our behaviour and spending habits, giving unscrupulous criminals opportunities to exploit an ever-changing landscape and capitalise from it - magnifying the suffering economic fraud can cause victims, as well as the financial losses to them. Crypto currency continues to be used as a hook for investment fraud and social media continues to be an enabler of fraud, cyber, and economic crime. Artificial Intelligence (AI) and the use of AI programs is likely to increasingly create opportunities for social engineering attacks. As National Lead Force, City of London Police aims to protect victims and prevent people from becoming victims of fraud and to disrupt the endeavours of criminals, with tactical use of technological developments and networks. This keynote speech will take the opportunity to highlight the work of the National Cyber Protect Network. It will cover: • the launch of the National Police Protect Network, • the new National Fraud Strategy and Economic Crime Plan 2, • the delivery of the Protective Economic Crime Teams (making up the National Fraud Squad) It will reference the successful operations that hold these criminals to account, and the success of the National Economic Crime Victim Care Unit (the first team to achieve their target set under the National Fraud Strategy) – as they now support victims of fraud and cybercrime in all 43 forces.
LONDON • FR AUD • FORUM
17th ANNUAL CONFERENCE
CONFERENCE TALKS & SPEAKER BIOGRAPHIES Peter O’Doherty Assistant Commissioner – City of London Police, NPCC Coordinator for Cyber and Economic Crime. Prior to joining the City of London Police (CoLP) in January 2022 as Assistant Commissioner, Pete was Assistant Chief Constable at Thames Valley Police (TVP) where he was the South East Regional Lead for Counter Terrorism, and Serious and Organised Crime. Pete performed this role since July 2019 after graduating from the Strategic Command Course in March 2019. In this role Pete worked to the Chief Officer Management Boards across Thames Valley, Hampshire, Surrey, Sussex and Kent. After graduating from the University of Nottingham with a degree in Mathematics and Computer Science, Pete started his career with the CoLP where he spent a number of years at different ranks as a detective working across volume, major and specialist crime. Pete went on to specialise in cyber and economic crime, and was later in his service seconded into the Metropolitan Police Service as the Head of Uniformed Operations at the London Borough of Newham. In 2017 Pete returned to the CoLP as Detective Chief Superintendent, Head of Crime and Counter Terrorism, and then went on to lead the CoLP’s Economic Crime Directorate that acts as the national lead force for fraud on behalf of UK policing. Throughout his career Pete has worked extensively across government and across sectors to significantly improve the local, regional and national response to cyber and economic crime. In 2018 Pete won the International Association of Chief ’s of Police prestigious “40 under 40” award for his work in this field. Pete is also an experienced Gold Public Order Commander and Strategic Firearms Commander with multi-force experience, previously a Hostage and Crises Negotiator.
HAS THE GOVERNMENT DONE ENOUGH TO BREAK THE FRAUD CHAIN? 9.35am 2023 has seen the Government publish its fraud strategy and a response to the 2022 House of Lords inquiry into the Fraud Act 2006 and Digital Fraud. As Chair of that inquiry Baroness Morgan of Cotes will ask whether the Government is now really addressing the key drivers of fraud in the UK. Nicky Morgan The Rt Hon the Baroness Morgan of Cotes The Rt Hon the Baroness Morgan of Cotes (Nicky Morgan) is a former Conservative MP and Minister. She is now a member of the House of Lords and has a portfolio career with roles across the private and public sectors. Nicky served in the Cabinets of David Cameron and Boris Johnson as, respectively, Minister for Women & Equalities, Education Secretary and Digital, Culture, Media and Sport Secretary. She also chaired the House of Commons Treasury Select Committee for 2 years. She was the Member of Parliament for Loughborough between 2010 and 2019. Before being elected she worked as a solicitor specialising in M&A.
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
9
PANEL DISCUSSION 10.25-11.10 COLLABORATION IN ACTION: HOW CAN BANKS AND TECH PLATFORMS WORK TOGETHER TO STOP SCAMS IN THEIR SYSTEMS? Trying to fight the scams emergency without data sharing, is like trying to complete a jigsaw without knowing who is holding the next missing piece. Data sharing across business has been rightly recognised as key to unlocking the scams problem and is central to the UK Fraud Strategy This session will bring together expert perspectives on the challenges and opportunities of data sharing between the technology and financial services sectors for the purposes of stopping fraud. The panellists will discuss their hopes for the future of collaboration between these industries, and what needs to happen to make data sharing work at scale.
Ruth Evans, Chair, Stop Scams UK Ruth is the chair of Stop Scams UK. She has a forty-year track record of representing the public and consumer interest across a wide range of industries and regulatory authorities. She is passionate about putting service users at the heart of service delivery and believes that bridge-building between stakeholders is the key to transforming service delivery. She chaired the Independent Parliamentary Standards Authority and the APP Steering Group that delivered a new industry code in July 2018 to reimburse victims of authorised payment scams. She was also a Non-Executive Director of the Serious Fraud Office.
Moderated by Ruth Evans Chair, Stop Scams UK With Panellists Nick Perkins Director of Fraud Prevention, NatWest Tim Pigott Payments Industry Lead, Nationwide Building Society Kathryn Westmore Senior Research Fellow, Royal United Services Institute
10
LONDON • FR AUD • FORUM
17th ANNUAL CONFERENCE
PANELLIST BIOGRAPHIES Nick Perkins, Director of Fraud Prevention, NatWest Nick Perkins is currently Director of Fraud Prevention for NatWest Group, responsible for designing and delivering the Fraud prevention, detection and response strategy for the Bank, whilst helping drive societal change at industry level. He has over 25 years’ experience gained working globally across the Financial Services sector from Investment Banking and Markets to Retail, Commercial and Branch banking. Nick joined NatWest in 2005 and since then has taken on a number of roles within the Group including Director of EC Solutions, responsible for delivering key components of RBS’ State Aid Obligations, COO for Non Core Division involved in winding down businesses and exiting non core markets and loan portfolios as part of RBS’ restructuring and implementation of the Asset Protection Scheme as part of RBS’ bail-out. He has also been involved in the execution of a number of major change programmes across the Group. Prior to joining the Bank, Nick was consulting for Accenture for over 10 years managing complex and wide-ranging programmes to support global investment banks. Kathryn Westmore, Senior Research Fellow at Centre for Financial Crime and Security Studies (CFCS) at RUSI Kathryn is a Senior Research Fellow at the Centre for Financial Crime and Security at RUSI. She supports the strategic development of the Centre’s research with a particular focus on the UK’s response to global economic crime, including fraud and money laundering, the future of financial crime regulation and the role of technology. Prior to joining RUSI, Kathryn spent 15 years at PwC where she worked across the regulated sector, advising institutions on how best to manage their financial crime risks and meet their regulatory obligations. She also has experience of leading large and complex investigations into allegations of fraud, money laundering and corruption both in the UK and overseas. She has an MA (Hons) in Classics from the University of Cambridge and a PG (Dip) in Financial Services Law from the University of London. She is a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW) and a Certified Fraud Examiner (CFE). Tim Pigott, Payments Industry Lead, Nationwide Building Society Tim has been at Nationwide for nearly 35 years, and in this time has held a number of senior management positions, dealing primarily with risk. Having founded a first line enterprise wide risk function for payments at Nationwide his recent focus has been on building an integrated infrastructure and resilience risk capability, latterly focusing on the governance of IT risk. He is now seconded to the second line operational team providing specialist input on payments in support of Nationwide’s ambition for successful and sustainable growth.
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
11
CONFERENCE TALK & SPEAKER BIOGRAPHIES COERCION AND CONTROL IN FINANCIAL ABUSE: LEARNING FROM DOMESTIC ABUSE 11.10am A true focus on victims and changing the blame and shame culture. Join us for a fireside chat between two of the UK’s leading fraud experts as they discuss how: Perpetrators of fraud, scams, and financial abuse use coercion and control techniques like those used by perpetrators of domestic abuse. This includes isolation, gaslighting, and love bombing, to manipulate victims. Victim blaming is common. It stops people from talking about, reporting, and recovering from abuse. We must shift the narrative to acknowledge the sophistication and responsibility of the perpetrators. We must change how we talk to victims, supporting them with safe exit strategies and recognising that where a relationship is already established with the perpetrator, existing methods of education and intervention may not be as effective as they often focus on the point at which payments are made. Instead, we may need to offer support that focuses on the isolation, grooming and coercion that is taking place. Situational vulnerability refers to the impact of financial abuse being amplified by the context in which it takes place. For example, being scammed and struggling more to pay your bills will have a higher impact during times of higher living costs. With an ageing population, rising numbers of people experiencing cognitive decline, a cost-of-living crisis, and the impact of the Covid-19 pandemic we are likely to see more vulnerability to fraud, scams, and financial abuse. Fraud, scams, and financial abuse are all significantly underreported, and the scale of the problem is underestimated. Public awareness of the scale and sophistication of these crimes is anecdotally thought to be low.
12
LONDON • FR AUD • FORUM
Dr Elisabeth Carter, Associate Professor of Criminology and Forensic Linguist, Kingston University London Dr Elisabeth Carter is a criminologist and forensic linguist who conducts interdisciplinary research at the intersection of language and the law. She examines how interactional, ethical, and social drivers are manipulated by fraudsters, and the intricate balancing act between power and persuasion, credibility, and vulnerability. She is best known as the UK’s foremost scholar on romance fraud, however she uses interactional methodologies to unpick persuasion and manipulation in fraudulent communications of all types. Elisabeth has been awarded the Tackling Economic Crime Award (TECAs) for Outstanding Tackling Economic Crime Professional and can be regularly found on television series and radio shows bringing understandings of fraud to life, including on BBC One, ITV, Radio 4, Channel 5 and Paramount+. She uses her cutting-edge research to advance academic understandings of economic crime, and across the public, private and third sector through informing law enforcement campaigns, driving police operations, and delivering practical strategies that disrupt the power of fraudulent communications and pervasive negative narratives of victimhood.
17th ANNUAL CONFERENCE
CONFERENCE TALK & SPEAKER BIOGRAPHIES Kingston University is delighted to support the London Fraud Forum. Our focus on cutting edge research-led teaching, innovative and effective knowledge exchange, and developing the future skills and workplace opportunities of our undergraduate and postgraduate students aligns with the work and values of the Forum and the clear objectives of working cross-sector to share expertise, information and skills to counter fraud in all its guises. We support our students to become sought-after, futurefocused leaders, business influencers and job creators, contributing to society and the economy. The University has recently been awarded with a triple Gold rating in the Teaching Excellence Framework (TEF) 2023.
Louise Baxter, Head of the National Trading Standards Scams Team Louise Baxter MBE graduated with a law degree in 2001. In 2002 she started work for East Sussex Trading Standards. From there she was promoted through the ranks and in 2009 she was appointed as a Senior Manager, it was at this time she took over as Chair of the Chartered Trading Standards Institutes (CTSI) Consumer Empowerment Alliance until 2021. In 2011 Louise got frustrated by the system in relation to support of scam victims and started what is now the National Trading Standards Scams Team. In 2015 Louise was given a Hero’s Award from CTSI in recognition of the significant contribution she has made to consumer protection. In 2017 Louise was awarded a CTSI Fellowship and an MBE for Protecting Vulnerable Consumers from Financial Abuse. Louise is CTSIs current Lead Officer for advice and education and Non executive Director for the CTSI Board and current previous past chair of the Institute (2020-2023). She worked as a member of the Advisory Board for Safer Gambling for the Gambling Commission 2018-2022. She is a current member of Phone Paid Services Authority consumer panel and has been since 2018. Louise more recently started a new venture www.consumerfriend.org.uk. An organisation set up to provide information, advice and education to consumers on their consumer rights with a focus on energy efficiency and supporting all consumer vulnerability. Louise is a consumer champion with a real passion for supporting vulnerability and hoping to equip consumers and businesses with knowledge. Hopefully ensuring more consumers get the best outcomes, whatever they are trying to do and that they are protected from fraud and scams.
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
13
14
LONDON • FR AUD • FORUM
17th ANNUAL CONFERENCE
CONFERENCE TALK & SPEAKER BIOGRAPHY HOW CAN WE KEEP UP WITH BAD ACTORS ONLINE? LESSONS FROM UGC MODERATION 11.50am Bad actors constantly change their techniques of attack and once you build the tools to detect their wrongdoings it’s often already too late. User generated content (UGC)-enabled fraud is often divided into three categories: identity fraud, financial fraud, and content fraud. However, usually these never happen in isolation. AI can be used to understand relations and patterns between fraudulent instances and staying one step ahead of bad actors. When it comes to content fraud, we’ve come across interesting instances of bad actors engaging in creative ways to subvert detection. One of them is algospeak. Namely, using coded words (often only known to niche online communities) to subvert algorithmic detection. Algospeak terms evolve on a monthly basis, and because social media platforms rely on text and image-based tools for content understanding they often miss out on harmful and fraudulent videos. Learn how user generated content-enabled scams are manifested through algorithmically tailored coded-language on social media. Learn how content authenticity (e.g. deepfakes) are on the rise on social media and how the availability of GenAI applications to the masses is only going to exacerbate this problem. Understand how visual understanding AI tools can and (cannot) be used to spot patterns across social media and keep up with bad actors in the age of deepfakes & algospeak. Out of 43 million UK adult internet users, among those who had experienced an online scam or fraud (46%), nearly a quarter (23%) first encountered it on social media - the second most common channel after email. (30%) (Ofcom, March 2023)
Zoe Steele, Director of Business Development, Unitary Zoe Steele is an executive at Unitary leading Business Development. Unitary’s state-of-the-art AI models interpret content in context, aiming to make the internet safer by automatically detecting harmful online content and automating the content moderation process. Before joining Unitary, Zoe worked in the advertising-technology ecosystem, most recently for X (fka Twitter), where she led a UK team liaising with advertisers to execute their ad campaigns. She also led Twitter Women, an organisation of 2,000 people working to promote inclusion, empowerment and belonging for women at Twitter and beyond. Zoe is based in London, UK.
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
15
CONFERENCE TALK & SPEAKER BIOGRAPHY WHY I CAN STEAL YOUR HOUSE AND YOU CAN’T HAVE IT BACK 13.20am In the last 10 years , the number of houses stolen by criminals who then sell them without the genuine owner knowing, has doubled. Latest figures from Land registry show more than £5 million has been paid out in compensation by them, for fraud and mistakes. But the real problem is, if someone steals your house and sells it to someone else, you can’t have it back. It’s causing agony for people who don’t have mortgages, especially if they don’t live in the property. Thousands of people in the UK are vulnerable to house theft, and many won’t know it’s happening until it’s too late. Identity theft is the key to this crime. I can show you how I can steal your house with relative ease, I’ll play you the voices of criminals actually doing it, and then I’ll show you how you can protect yourself and your family from this horrible crime.
16
LONDON • FR AUD • FORUM
Shari Vahl, Investigative Journalist, BBC Radio 4, You and Yours, based at MediaCityUk in Salford Shari specialises in fraud affecting consumers young and old - This year alone she’s exposed the big rise in Vendor fraud, and how police think it’s a civil matter. How thousands of home owners have had fake companies registered at their home, then loans taken out in their names, what a data breach can really mean for you, and shown how thieves can spend all your money in 20 minutes after breaking into your gym locker, and simple steps that will stop the criminals getting your money. Many of Shari’s investigations are picked up by Law enforcement, and her advice and expertise is often sought by industry. Shari is a skilled investigator and broadcaster of more than 30 years experience.
17th ANNUAL CONFERENCE
PANEL DISCUSSION 13:50-14:35 HOW CAN WE PROTECT OUR CHILDREN FROM FINANCIAL HARMS? In 2022, ParentZone established a consortium of experts spanning various disciplines, united by the common goal of working collaboratively to educate children and families and implementing effective solutions to protect children from financial harms. Working with the consortium, ParentZone were awarded £930,000 funding over the next 3 years, empowering them to combat Child Financial Harms through the design and delivery of a dedicated program focused on understanding and addressing these issues. Join us for an engaging panel session where field experts will deliberate on the imperative task of raising awareness about Child Financial Harms, making it as well-known as Child Sexual Exploitation within the next three years. The panel will explore avenues to elevate the profile of this issue through collaboration, research, investment, and education. Throughout the session, you’ll discover the consortium’s comprehensive approach to tackling this problem, emphasizing the need for a multi-disciplinary approach across various sectors. Moderated by: Rachael Tiffen With Panellists: Dr. David Zendle Jonathan Baggaley Tracey Carpenter Vicki Shotbolt
18
LONDON • FR AUD • FORUM
Rachael Tiffen, Director of Public Sector at Cifas & Learning Rachael was Head of Audit and Counter Fraud in 3 London Boroughs. At the National Fraud Authority, Home Office in 2010 as Head of Public Sector Fraud she researched and drafted the first local government counter fraud strategy Fighting Fraud Locally ( FFL) and created pilot data hubs using partnerships. In 2013 she joined the MoD as manager of the Fraud Defence Unit. In 2014 she created the CIPFA Counter Fraud Centre - creating qualifications and services, drafting the second FFCL Strategy for HMG, and the latest FFCL whilst at Cifas in 2020. Rachael is a well-known speaker and author on counter fraud and corruption, sitting on a number of industry Boards. She is the Independent Person for Standards and Ethics at the LB Tower Hamlets and the LB Brent, and sits on the Audit Committee for the Police Commissioner for Dorset, Devon and Cornwall. In 2017 she won the Stella Walsh Award “Lifetime Achievement in Countering Fraud”. Rachael occasionally hosts a spot on CLGdotTV interviewing other counter fraud experts.
17th ANNUAL CONFERENCE
David Zendle, University of York A data scientist and a world leading expert on the impact of video games and gambling, David is the author of several key references on the topic of financial harm, including the world’s most highly cited paper on the topic of monetisation-related harm in modern video games. He is involved in building evidencebased policy into consumer behaviour and financial harms across a variety of domains. He has provided oral testimony on this topic to a variety of government investigations across the globe, including select committees in both the Lords and Commons; the Australian Senate; and the Federal Trade Commission in the USA. David is an academic affiliate of the Behavioural Insights Team; a Lecturer in Computer Science at the University of York; and a member of an Advisory Board to the UK Gambling Commission. His most recent publication about financial involvement in video games (‘The Many Faces of Monetisation’) has been named as a case study in best practice within official UK government research policy.
Jonathan Baggaley, PSHE Association Chief Executive The PSHE Association is leading efforts to ensure every pupil receives high-quality PSHE education. PSHE education is the school curriculum subject which covers the knowledge, skills and attributes all pupils need to develop in order to keep themselves healthy and safe and to prepare them for life and work. PSHE lessons cover some of the most pressing issues facing young people today. Jonathan led the Association’s campaign for statutory PSHE, which helped lead to the new requirements for Relationships, Sex and Health education and is working closely with government and wider stakeholders to ensure they achieve their transformative potential. He has worked at a national level in education for many years, bringing particular expertise in educating young people about risks, harms and opportunities of online technologies. Prior to this he was Head of Education at the Child Exploitation and Online Protection centre (now part of the National Crime Agency), where he led Thinkuknow, an online safety education programme used with over three million children annually.
Tracey Carpenter, Insider Threat Manager at Cifas Tracey is the Insider Threat Manager at Cifas. As well as being passionate about helping organisations to combat the insider threat, Tracey is responsible for the work that Cifas undertakes to ensure that children are educated in the risks of fraud and financial crime via the Cifas PSHE lesson plans and the work that Cifas carries out with ParentZone and other consortium members around Child Financial Harms. Vicki Shotbolt, CEO of ParentZone Vicki Shotbolt is the founder and CEO of Parent Zone, an organisation that sits at the heart of digital family life. She set up Parent Zone in 2004 to support parents with digital parenting and the complexity of raising children in a connected world. She is the co-chair of the UKCIS Digital Resilience Working Group and a member of the government’s Media Literacy Taskforce. Vicki co-hosts Tech Shock, a podcast that looks at the impact of digital technologies on family life and is the Chair of VoiceBox, an international youth led organisation working in over 30 countries to give young people a voice.
19
BREAK OUT SESSIONS 14.40pm Choose to attend one of the following sessions
SESSION 1 OLD LIBRARY, MAIN STAGE AUTOMATION IN THE INVESTIGATION PROCESS A HELP OR A HINDRANCE? Increasingly complex investigations and stretched resources are encouraging organisations to make the most of the advancements in technology with automation and machine learning being incorporated into everyday systems. In this informative session hosted by Marguerite Clark (Altia) and Grainne Casey (Head of Special Operations at RSPCA) we will explore the following: • Common sources of inefficiency in managing fraud investigations and the vital role of technology. • Efficiency challenges at the RSPCA: Grainne Casey’s perspective on how technology has impacted operations. • Learn how automation in financial investigation software and fast, accurate in-house transcription can support your fraud investigations. Marguerite Clark, Customer Success Manager, Altia Marguerite has over nine years’ experience at Altia working collaboratively with law enforcement, government agencies, regulatory bodies, and private sector organisations to create efficiencies through the implementation of time saving software solutions. She has worked with clients in the UK, North and South America, Europe and Australia and is passionate about aiding organisations in their fight against criminal activity through the use of technology to optimise investigations. Grainne Casey, Head of Special Operations, RSPCA Grainne is currently the Head of RSPCA Special Operations Unit, who are an intelligence led team investigating and prosecuting premeditated acts of animal cruelty such as fighting with animals, badger persecution and the illegal puppy trade across England and Wales Previously, Grainne was a career detective, retiring as Detective Superintendent and head of the force Major Crime Unit. She led investigation of serious crime such as homicide and kidnap, during which she was a hostage negotiator and became the force lead for Kidnap investigations and response. Ten years of her service was within Counter Terrorism Policing where she worked closely with the Intelligence Services to mitigate threat and bring offenders to justice. Grainne was also the national lead for the interviewing of terrorist suspects and witnesses
20
LONDON • FR AUD • FORUM
17th ANNUAL CONFERENCE
SESSION 2 OLD LIBRARY, BACK (SILENT SESSION) ORGANIZED FRAUD IN THE CRYPTOCURRENCY ECOSYSTEM This session will examine how highly organized actors utilize cryptocurrency in their efforts to defraud individuals around the world at a massive scale. Adam Hart, Senior Investigator at Chainalysis, will review new tactics used by the most successful cryptocurrency fraudsters, links between fraudsters and human trafficking networks, and techniques to effectively investigate these types of fraud operations. Adam Hart, Senior Investigator Adam is a senior investigator at Chainalysis specializing in DeFi and web3 investigations. He built the Chainalysis Ethereum Investigations Certifications course and has led various cryptocurrency investigations resulting in tens of millions of dollars in recovered funds.
SESSION 3 CHIEF COMMONER’S PARLOUR EXPOSING THE GROWING CONTACT CENTRE FRAUD RISK With improving cyber security, fraudsters are turning to channels which don’t have equivalent security - the contact centre. Shockingly, 61% of fraud is connected to the contact centre, with one in every 500 calls coming from a fraudster. In this session, we aim to shed light on the lurking dangers and offer insights and actionable advice to not just defend against threats but also enhance the customer experience. The insight is derived from the analysis of hundreds of millions of calls to our customer contact centre: Key insights from the fraud risks in UK contact centre using 100s of millions of calls into our customers contact centres over the last 12 months. Matthew Addison, Chief Revenue Officer Matthew is a renowned executive with an emphasis on fraud detection and customer engagement. As the Chief Revenue Officer at Smartnumbers, he specialises in real-time caller authentication and fraud detection, ensuring a seamless and trustworthy caller experience. Previously at NICE Ltd, Finastra, and Temenos, Matthew showcased his prowess in enhancing customer relationships, leveraging cloud solutions, and ensuring robust revenue growth. His dedication to customer satisfaction is evident, making him an influential figure in the technology sector.
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
21
PANEL DISCUSSION 15.40-16.25 BREAKING BARRIERS: ADVANCING GENDER EQUALITY IN COUNTER FRAUD Progress towards gender equality is “vanishing before our eyes”, United Nations Secretary General António Guterres told the UN’s Commission on the Status of Women in March 2023. Only 5% of Fortune 500 CEOs are women and, at the current rate, gender equality in the highest positions of power will not be reached for another 130 years. Achieving full gender equality on a global scale will take close to 300 years. Globally, over 2.7 billion women are legally restricted from having the same choice of jobs as men. What have you witnessed being done at the macro (organisational) level to break down barriers? Have you noticed systemic inequalities being effectively tackled within the legal and law enforcement sectors? During this crucially important and thought-provoking discussion, you’ll gain insights into the challenges and obstacles to gender equality which still exist in all industries. The panel will explore topics including: 1. Systemic inequalities at a macro level in our sector and beyond; 2. The barriers to closing the gender equity and equality gaps; 3. Initiatives and good practice being adopted in the workplace; 4. How women’s networks can act as catalysts for change, serving as supportive communities and platforms to champion members in their own career development, but also to foster awareness and empower their members to drive change; 5. The power of leadership courses, coaching and mentorship; and 6. The importance of allies to help tackle inequalities. Don’t miss the opportunity to be part of this transformative conversation as we work towards dismantling barriers. Together, as all genders, we can drive change and create a more equitable and prosperous future for all. Moderated by: Phoebe Waters With Panellists: Alison Newcomb, Catherine Taylor Fiona Barron, Chloë Bell
22
LONDON • FR AUD • FORUM
This discussion will be moderated by former corporate investigator turned Consultant Phoebe Waters, Chair of the Female Fraud Forum, Delegate to the UN’s Commission on the Status of Women, and an academic (the University of Cambridge and University of Bedfordshire) specialising in gender equality and female leadership Phoebe is a Consultant, Coach and Mentor, and Co-director at Optimising Potential. Optimising Potential creates and facilitates reflective spaces for individuals, teams, and organisations, supporting them to identify impactful and sustainable strategies to optimise their, and their stakeholders’ potential. Two-time winner of Management Today’s 35 Women Under 35, Phoebe is also an Assessor at the University of Cambridge’s Institute of Sustainability Leadership (a course called ‘Women Leading Change: Shaping Our Future’) and a Visiting Lecturer at the University of Bedfordshire on the foundations of gender equality.
17th ANNUAL CONFERENCE
PANELLIST BIOGRAPHIES Alison Newcomb, Director and Strategic Investigator, Newcomb Consultants, and former Deputy Police Commissioner, Metropolitan Police Service As Director of Newcomb Consultants, Alison leads a team of highly professional and experienced investigative specialists. A current example of Alison’s invaluable and unique blend of experience and expertise being utilised, is in advising a Government and leading a team of investigators, in a Caribbean territory, in relation to an ongoing criminal investigation into corruption and associated financial crimes, such as fraud and money laundering. Alison previously had a high-profile police career spanning over 30 years. During her time with the Metropolitan Police Service (“MPS”), Alison was the Operational Chief Officer with responsibility for Westminster Borough as well as 10 West London Boroughs, totalling over 5,000 officers and employees. Her most recent police position, as Deputy Assistant Commissioner for the MPS, saw Alison act as Lead Chief Officer responsible for delivering a large scale and complex change portfolio to transform the force. Her investigative credentials include CID crime investigations, intelligence, covert policing and operating as a Senior Investigating Office (SIO), overseeing the investigation of the most serious and complex crimes. Alison was awarded the Queen’s Police Medal (QPM) in 2017 for distinguished service in Her Majesty the Queen’s Birthday Honours List and holds a Post Graduate Masters Degree in Leadership awarded by the University of Leicester.
Catherine Taylor, An employment Partner at law firm CMS, board member and head of the CMS Women’s Network. CMS was recently named in the Times Top 50 Employers for Gender Equality 2023 Catherine is a Partner in the CMS Employment team and Co-Head of the Litigation Arbitration Insurance & Employment Practice Group. She works on employment issues, both contentious and non-contentious and has specific expertise in complex multi-jurisdictional and High Court litigation (especially bonus and employee competition disputes), board level disputes and data protection. Catherine also guides employers through complex investigations, setting the strategy and working with other teams to ensure the best possible client outcome. Her practice is employer focused, with a particular interest in the Financial Services and Technology, Media & Communications sectors. Catherine is joint author of Employee Competition (3rd Edition, published by OUP in 2016). She plays a leading role in the firm’s women’s network, CMS Women.
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
23
PANELLIST BIOGRAPHIES Chloë Bell, A barrister at 3VB specialising in civil fraud (including crypto fraud) Chloë is a highly sought after junior barrister with a diverse commercial litigation and arbitration practice, and is ranked as a Band 1 leading practitioner in digital assets and smart contracts. She is involved in some of the most seminal and cutting-edge cases in the area. Her cases have involved crypto-fraud and asset tracing, the regulation of cryptoassets and jurisdictional challenges presented by litigation involving cryptoassets and crypto exchanges. Chloë also has a busy civil fraud and arbitration practice, and a number of her cases involve allegations of misrepresentation, deceit and constructive trust. She has been instructed unled in an DIFC-LCIA arbitration and will appear in the High Court in July 2023 to challenge the recognition of an arbitration award on public policy grounds under section 103 of the Arbitration Act 1996. Chloë has significant advocacy experience for a commercial junior. She regularly appears unled in complex applications in the High Court including for freezing injunctions, disclosure orders, permission to serve out of the jurisdiction and jurisdiction challenges. In addition, Chloë is regularly instructed by financial regulators. Recently she has been instructed by Lloyd’s of London (the regulator of the insurance market) as junior counsel in ground-breaking cases involving nonfinancial misconduct. She is also instructed in cases for private clients involving alleged breaches of the FCA’s general prohibition, breach of the rules on financial promotions and restitution orders under FSMA. Chloë was appointed to the Attorney General’s C Panel of civil counsel in September 2021. From her work as a panellist and as a previous judicial assistant at the UK Supreme Court she has an excellent grasp of public law concepts and the intersection of public and commercial law. Chloë has professional working proficiency in the French language having spent two years prior to coming to the bar as a référendaire and legal advisor to an Advocate General at the Court of Justice of the European Union in Luxembourg.
24
LONDON • FR AUD • FORUM
Fiona Barron, Founder of The Gender Equity Collective and Director, T-Minus Fiona has 12 years experience as a business owner and entrepreneur, and has held global positions in DEI, Leadership Development and Organisational transformation. Fiona embarked on her career by delving into the realms of clinical psychology, positive psychology, and men’s mental health. With over 12 years of experience in leadership development and coaching, her style is innovative, dynamic, memorable and impactful. Fiona passionately champions gender equity for everyone, and her mission is to ensure that equity is truly inclusive across all genders.
17th ANNUAL CONFERENCE
CONFERENCE TALK & SPEAKER BIOGRAPHY OPERATION ELABORATE: A CASE STUDY 16.25pm Detective Superintendent John Roch, Metropolitan Police John Roch is a Detective Superintendent in the Metropolitan Police London, a graduate of the Senior Leaders Master’s Degree in Applied Criminology and Police Management delivered at Cambridge University, and a Chartered Manager of the Chartered Management Institute. John has led a diverse career spanning 35 years working in the financial services industry for NatWest bank before joining the Metropolitan Police Service, which has included spending time seconded to the National Crime Squad, and Serious and Organised Crime Agency. His career includes leading criminal investigations in a number of London boroughs and he has performed the role of Senior Investigating Officer in Homicide and high profile Child Sexual Abuse Investigations; John specialises in Covert Policing tactics and Serious and Organised Crime Investigations and is currently the Head Of Economic Crime, a portfolio that includes Fraud, Money Laundering, Asset denial and Cryptocurrency responsibilities. He is also a Kidnap and Extortion Senior Investigating Officer, a Strategic Firearms Commander and a Covert Policing Authorising Officer. During the Covid-19 Pandemic John also led the strategic delivery of the MPS Covid 19 enforcement response in London working directly to Deputy Assistant Commissioner Matt Twist.
CLOSING REMARKS 16.55pm Nick Downing
NETWORKING DRINKS RECEPTION 17.00pm To finish the day, please join us for Networking Drinks in the Print Room. Thank you for attending our 17th Annual Conference. We hope you found the day interesting and useful. Thank you to all our speakers, breakout facilitators, sponsors and exhibitors.
THURSDAY 19th OCTOBER 2023 • GUILDHALL , LONDON
25
THANK YOU TO OUR MEDIA PARTNERS
26
www.londonfraudforum.co.uk