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Governance

How Cifas is run

We have been set up as a not-for-profit company limited by guarantee and as a membership association.

Cifas is governed by its Board. The Board is responsible for the entrepreneurial leadership of the organisation: setting strategic direction and aims and measuring performance against strategic objectives as well as scrutinising risks and controls. It is responsible for determining Cifas’ vision, mission and values and holding the Chief Executive account for the organisation’s performance. The Board is led by the Chairman and also has oversight of the Advisory Board and its work.

The Advisory Board has delegated responsibility from the Board to monitor the operational effectiveness of Cifas, and understand and represent the interests of its principal stakeholders: Cifas’ membership, but also other users of its services, including members of the public. In fulfilling this purpose, the Advisory Board advises both the Executive and Board.

Led by the Chief Executive and Chief Operating Officer, Cifas is managed by its Executive Group.

Business Strategy 2020-2025

Our strategy for 2020-25 commits to empower our membership community to be even more successful in the fight against fraud through growing our data, intelligence and learning.

Read or download the Strategy 2020-2025.

Business Plan 2021-2022

The Cifas Business plan for 2021 captures the key business priorities for the period April 2021 to the end of March 2022.

Read or download the Business Plan 2021-2022.

The Board

John Browett, Chair

In a career spanning thirty years, John has held the position of Chief Executive within a number of major UK businesses including Tesco.com, Dixons Retail, Monsoon-Accessorize, and Dunelm Group. He has extensive experience of transforming and strengthening the position of some of the UK’s most popular retailers. At Dixons, he was responsible for driving their five year transformation strategy and oversaw the successful merger of the Dixons Retail business to form Currys PC World. Prior to this, John played a key role in the major transformation of the Tesco operating model, launching and overseeing the retailer’s online operation, Tesco.com.

Arnold Wagner OBE, Senior Independent Director

Arnold was previously Director of Human Resources at Smiths Group plc. He is now the Chairman of the Pension Protection Fund and has also served as a Non-Executive Director at the UK Atomic Energy Authority, where he chaired the Remuneration Committee. Arnold is active in voluntary and charitable work in the social care and education sectors, and he was awarded an OBE in 2002 for his services to education.

 

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Rob Fraser, Non-Executive Director

Rob has over 30 years' experience in technology and consulting roles. Most recently he was IT Director for J Sainsbury's plc, overseeing the most significant investment in IT platforms in over a decade, and chairing the Information Security Committee. Prior to that Rob was Vice President for Retail and Consumer Products at Computer Sciences Corporation, and Group IT Director at Boots. Rob is Chairman of Chris Fraser Associates, a digital consultancy servicing some of the UK's largest companies. He is also a member of the Board of Governors for the University of the West of England, and a Board advisor to tech startups E:Fundamentals and HubBox.

 

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Zoe Wimborne, Non-Executive Director

Zoe has over 30 years of experience in investment banking roles including 15 years in risk management. She is the Head of Lending for Morgan Stanley in Europe, Middle East and Africa (EMEA) and previously worked for both Citigroup and Barclays in several different roles including leading Citigroup’s Brexit Steering Committee. She spent several years leading teams which were restructuring companies in trouble, frequently as a result of both internal and external fraud, so she is very aware of how fraud can come from many different sources and the importance of accurate and timely information to help protect companies and individuals.

 

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Abimbola Adesanya, Board Apprentice

Abimbola (Bim) Adesanya is a senior finance and change management leader with over 25 years’ work experience, 20 of those spent within the regulated financial services industry. Bim’s experience combines technical and commercial experience to successfully lead finance teams and deliver complex change programmes for top tier banks including HSBC, Barclays, Lloyds and TD Securities.

 

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Lady Barbara Judge CBE, in memoriam

Lady Barbara, a trained commercial lawyer with both British and American citizenship, had a successful international career as a senior executive, chairman and non-executive director in both the private and public sectors, and across various industries including energy, infrastructure, manufacturing, retailing and the financial services industry.

 

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Also on the Board:
Mike Haley, Cifas' Chief Executive

The Advisory Board

Ashley Hart

Chair: Ashley Hart, Monzo Bank

Ashley has been at Monzo Bank since October 2021, focussing on fraud and financial crime. Prior to joining Monzo, Ashley was at TSB for just over five years, leading various teams including fraud strategy and systems, customer awareness and education, and law enforcement engagement. At TSB, Ashley established an industry-leading, victim-centric, approach to fraud, with a focus on educating, protecting and supporting customers. He led on the partnership between frontline Policing and TSB, in support of community protection as well as the pursuit of fraudsters, and worked alongside forces across the length and breadth of the UK, as well as national bodies, to bring fraudsters to justice.

 

Vice Chair: Dr Nikki Grieve-Top, Tesco Bank

As an expert in investigative psychology, Nikki is a recognised financial services figure specialising in fraud and financial crime risk management. As an ambassador of good financial crime practice, she is responsible for the implementation of the financial crime risk framework across Tesco Bank products and services, with specific counter-fraud accountability. Nikki has over 13 years’ experience in influencing and leading diverse multidisciplinary teams and has a track record of improving operational performance. A seasoned conference speaker and recognised subject matter expert, she has sat on several cross-sector anti-fraud steering groups. Nikki is a regular guest lecturer at the University of Liverpool where she also obtained her PhD titled ‘Explorations into Insurance Fraud: Bare facts, Behaviours and Beliefs’.

Dave Laramy, Monzo Bank Ltd.

Dave has been appointed as Monzo's Head of Global Financial Crime in 2020. Dave was the Head of Fraud Strategy & Analysis at Capital One with responsibility for fraud systems, models, rules, analysis and investigations. Dave has worked in fraud prevention for over 12 years and has previously held various senior fraud prevention roles at both Santander UK and Barclays.

Howard Rawstron, Lloyds Banking Group

Howard has undertaken a diverse range of roles in the financial services sector spanning the disciplines of operational management, corporate relationship management, strategy and risk management. His current role is Head of Fraud and Financial Crime Oversight for Lloyds Banking Group. His role ensures that the Groups approach to Fraud and Financial Crime prevention aligns to the organisation's Fraud Risk Appetite and the Group's vision and values.

He is also an advisory board member for Cifas, the UKs largest cross-sector fraud data sharing organisation, as well as a member of the European Banking Federation Exco financial crime strategy group. In his spare time, Howard enjoys running getting in a 5km jog on most days.

Ian Walker, Skipton Building Society

Ian is the Head of Financial Crime at Skipton Building Society and has worked in crime prevention for over fifteen years. He leads a team responsible for financial crime controls at the Society, covering fraud, money laundering, bribery and corruption. Before joining the Society he implemented and lead a team targeting staff fraud at Betfair and prior to this worked in organised crime intelligence for the New Zealand Police. He is a strong advocate for collaboration and currently facilitates the Building Society Financial Crime Panel, actively looking for opportunities for building societies to share financial crime best practice and learn from others in the industry.

Keith Rosser, Reed Specialist

Keith founded and leads one of the largest pre-employment vetting businesses in the UK, Reed Screening. He also sits on the board of two industry trade associations and chairs a Metropolitan Police-founded charity, SAFERjobs. Keith was recently appointed to the Ministerial Advisory Panel for UK Government on the Matthew Taylor Review of Modern Employment Practices, and advises the Government on labour market strategy. He was also on the Equality in Recruitment committee, and advised on Ban the Box for UK Government. Keith is a Committee Member of ECHO, a Home Office body advising on legislation around the right to work. He is a Non-Executive Board Member at Glasgow Clyde College, and a Trustee of a grant-making charity which has awarded over £15m in grants. Keith has an MBA from Aston Business School and is currently completing his PhD in Business Enterprise. He was awarded a Home Office Commendation Award for services to recruitment in 2016 and was recognised by the Queen for services to tackling labour market abuse in 2018.

 
Jon Walters

Jon Walters, Citizens Advocate

Jon has worked in the consumer protection landscape for 15 years, overseeing the provision of advice and support and helping clients seek redress. He has experience in implementing, managing and developing local, regional and national front-line service delivery across private, public and the third sector, together with significant stakeholder engagement and management experience across Government departments (domestic and international), commercial businesses and not-for-profit or third sector organisations at a range of levels. Since 2014, Jon has worked at Citizens Advice with responsibilities including management of the consumer service, implementation of large-scale transition projects, service development and more recently the new Scams Action service. As well as sitting on the Advisory Board, Jon is also the Chair of the Rail Ombudsman industry liaison panel.

Stuart Steven

Stuart Stevens, Direct Line Group

Stuart has worked for Direct Line Group for over 21 years and leads multi-disciplined teams focussed on preventing fraud in both commercial and personal lines of business. Stuart and his teams have been successful in gaining insurance fraud awards for Collaboration and for the use of Anti-Fraud Technology. He has progressed many initiatives to improve prevention, including robotic process automation, device recognition, digital identities, email risk scoring and biometrics. Having gained professional qualifications in Financial Crime Prevention and Anti-Money Laundering, he has extensive technical knowledge. Stuart chairs DLG’s Fraud Risk, Control & Insight Committee, which shares intelligence and tracks the impact of fraud. Stuart is passionate about tackling fraud and protecting victims, through the combined power of working together.

Also on the Advisory Board as an observer:
Mike Haley, Cifas' Chief Executive

The Leadership Team

Mike Haley, Chief Executive

Mike has more than 25 years' experience of tackling and preventing fraud across the public, private and not-for-profit sectors, including considerable experience directing investigations, as well as developing prevention and detection strategies. He has led investigative teams in the NHS, Ministry of Defence, Office of Fair Trading, HM Revenue & Customs and Solicitors Regulation Authority. He also worked at the National Fraud Authority directing cross sector fraud prevention strategies including on mortgage fraud and identity crime. He joined Cifas as Deputy Chief Executive in May 2015, and became Chief Executive in May 2018.

Richard Freedman, Chief Operating Officer

Richard has over 20 years’ experience within the financial services industry, and more recently with Countrywide plc where he held a number of leadership roles focusing on operations, transformation and strategy. He successfully ran one of Countrywide’s subsidiary businesses that provides services to corporate clients, and led a team responsible for establishing part of a new corporate strategy. Richard also developed the strategic plan for a newly formed business unit and ran its operations across multiple functions and sites. He joined Cifas as Chief Operating Officer in August 2018.

Mark Courtney, Chief Product Officer

During his 16 years at GBG, he led the product management team for its identity verification suite, managing the launch of the industry’s first truly electronic identity verification (EIDV) service in 2004. He went on to become the General Manager, running both the Identity Verification and Identity Assurance divisions. For the last two and a half years before joining Cifas, Mark held the position of Head of Product and Engineering for TruNarrative, playing a key role in positioning the start-up organisation as a significant presence in the industry. Mark has a wealth of expertise in fraud, identity verification and identity assurance, having worked globally across multiple sectors in the space. In his role at Cifas, he will work with the team to develop its existing product suite, as well as build future propositions for new and existing markets.

Dan Beckett, Technology Director 

Dan has been with Cifas for over 17 years and has led all technological development within the organisation. He has been central to the successful design and launch of all Cifas technological services and their subsequent development. Dan has first-hand experience of developing in-house systems but has also worked closely with our IT partners to design and develop many aspects of the Cifas databases, including fuzzy matching algorithms. Dan manages the relationships with all of our key IT partners and has overall responsibility for the development and security of our data and technology.

Lee D'Arcy, Commercial Director

Lee has over 20 years' experience in data and financial risk information services. Before joining Cifas in 2016, he held senior Business Development and Management roles at Dun & Bradstreet and Ernst & Young. He is responsible for driving the growth of the business and extending membership to new organisations and new sectors. He is also responsible for growing the distribution and access to Cifas data and creating collaborative channel partnerships.

Sandra Peaston, Director of Research and Development

Sandra has been at Cifas since 2000 and has a wealth of experience in fraud data analytics and a deep and expansive understanding of data sharing for the purposes of fraud prevention. She leads on Cifas’ research and development, ensuring that the Cifas community is equipped to handle the ever-evolving fraud threat. She previously oversaw the insight function, delivering fraud-related research and intelligence, and was the author of Cifas’ annual report Fraudscape, which analyses current fraud trends in the UK. She has also overseen a team specialising in Government and law enforcement relationships, supporting the police in investigating fraud and financial crime.