Steve is Head of Fraud for the Retail & Community Banking Divisions of Lloyds Banking Group, responsible for fraud risk management for the majority of the ‘personal banking’ side of the Group.  This covers the more traditional fraud typologies such as application fraud and transactional fraud across payment cards, cheques, digital, telephony and the branch network, as well as evolving areas like Authorised Push Payment fraud and social engineering.  He has been with Lloyds for 25 years spanning a vast number of roles and risk disciplines covering credit, operational, regulatory, financial crime and fraud risks.