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Stephen MacDonald is the Global Head of Credit Fraud Operations at Goldman Sachs, bringing over 17 years of experience in financial services with a focus on Insurance, Underwriting Fraud, and Financial Crime. Previously, they held positions including Underwriting Quality & Fraud Manager at Tesco Underwriting and Senior Consultant at Salviol Global Analytics. Known as a natural hands-on leader, Stephen has demonstrated the ability to empower teams and drive performance in high-pressure environments across the UK, Europe, and Asia. With strong skills in stakeholder management, people management, and risk management, they have established a proven track record in the finance sector.