Tell us a little bit about yourself.

Well, first of all, thank you for having me.

Thank you for inviting me on.

It's a pleasure to be able to speak to you about what Visa's doing at the moment in terms of risk and, and technology.

Uh, I currently lead the Europe Ecosystem Risk function at Visa.

Uh, my role there focuses on identifying and mitigating, uh, emerging threats and helping strengthen the security of the ecosystem across Europe, primarily.

Um, we're working to ensure the controls, the technologies that we implement with banks, merchants, partners, evolve quicker than the threats we face.

[laughs]How's card-based fraud evolved over time? And what have you learned about sort of underground infrastructure, and how do you rever-- how do you kind of research adversaries?