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Joe Walters has over 15 years of experience in banking and finance, specializing in fraud risk oversight. They currently work as a Senior Risk Manager for Group Fraud Risk at Revolut and serve on the European advisory board of the Merchant Risk Council. Previously, at Santander UK, Joe held the position of Cards Risk Manager, where they led the bank’s card fraud risk management strategy and ensured compliance with regulatory standards. Joe's diverse background in both traditional and fintech environments has equipped them with a comprehensive understanding of financial crime risk and best practices in fraud prevention.