Miriam Carrera

Ensuring data integrity of the company´s portfolio, as a key enabler for profitability, investment and reporting.

• Create and define compliance data requirements.
• Acting as the main point of contact for all data consuming stakeholders within the company.
• Ensure the correct implementation of data changes and execution of data remediation plans.

• Collaborates with leadership on privacy requirements and strategy
• Ensures corporate privacy policies are applied across the organization
• Manage audit activities, focusing on privacy risks and compliance

• Led operational process evolution for Acquiring tasks, risk management, fraud control, and chargebacks
• Developed training materials and tools for stakeholders
• Established acquiring processes, alarms, and partnerships

• Managed Compliance Programme
• Fulfilled Money Laundering and Terrorism Financing Prevention obligations
• Participated in internal and external audits, represented the company in regulatory meetings

• Worked on auto-boarding project for Payment Institution transition
• Assessed risks from Disputes and Fraud perspectives
• Developed Data Protection Policies as per GDPR
• Led Compliance Programme development
• Managed PCI Security Standards audits and served as Security Committee President

• Managed Payments department and merchant relationships
• Handled integration issues with payment providers and testing payment methods
• Led Compliance Officer tasks and provided Payments training

• Provided dispute resolution advice and escalated cases
• Delivered Disputes Resolution courses

• Accountable for conducting credit analysis on UK and rest of Europe large and corporate customers
• Monitoring customer accounts to maximize credit quality and minimize risk and potential loss

• Responsible for conducting risk assessment on e-commerce merchants
• Detailed fraud and credit risk review
• Implementation of risk mitigation measures

• Assessment of new merchants in the credit approval process
• Providing ongoing support to Risk function, including Fraud and Chargeback monitoring

• KYC documentation

• Preventing merchant/buyer-initiated fraud and minimizing risk associated with bad merchant/buyer management practices
• Investigation of accounts to identify potentially fraudulent accounts and place appropriate restrictions
• Compliance Officer (KYC documentation)