Lawrence Sebastian
Product Owner Fraud Prevention @Santander
Signup · Get unlimited contacts
WORK HISTORY
Product Owner Fraud Prevention @Santander
Milton Keynes, GB
I am responsible for shaping, prioritising, and delivering fraud prevention capabilities embedded within customer onboarding journeys across multiple channels including Mobile, Web, Branch, and Telephony. I work at the intersection of digital experience, fraud risk, and regulatory compliance to ensure new customers are onboarded securely and seamlessly.Key Responsibilities:Own and manage the Fraud Onboarding product backlog for Retail, Business Banking, and Mortgages, aligning priorities with fraud strategy, risk appetite, and customer experience goals.Deliver and optimise key fraud controls including:Document and Data Verification (DDV)/ Liveness DetectionSIRA (fraud intelligence and decisioning)Strong Customer Authentication (HRO SCA)Collaborate with Product Owners, Engineering, Risk, Compliance, and Design teams to deliver secure and frictionless journeys for:Mobile app onboardingWeb onboardingBranch and Telephony journeysDrive the implementation of real-time fraud detection across onboarding touchpoints, improving early detection of identity theft and social engineering threats.Lead onboarding fraud initiatives using Agile frameworks, defining user stories, acceptance criteria, and ensuring value-driven delivery.Work with data and analytics teams to monitor KPIs including fraud capture rates, false positives, journey drop-offs, and feeding insights into the product roadmap.Conduct regular backlog grooming, stakeholder showcases, and release planning for fraud controls and onboarding enhancements.Key Technologies and Tools:Agile delivery: JIRA, Confluence, Figma.Integration with onboarding platforms and APIs across core banking and identity systemsKey Achievements:Led fraud onboarding readiness for key new product launches including Current accounts, Credit cards, Business Loans ensuring alignment across Digital, Risk, and Ops.Successfully delivered a multi-channel fraud control suite for account onboarding and high-risk customer journeys.
EDUCATION
University of Madras
Bachelor of Science (BSc), Business Administration and Management, General
The University of Salford
Master of Science (MSc), Banking and Financial Support Services
SKILLS
ABOUT LAWRENCE SEBASTIAN
I am a Value Stream Product Owner for Fraud Prevention Onboarding, with nearly 18 years of experience across FinancialCrime (Fraud, FC Screening, CRA, CTF, KYC, KYB) within Financial Services Environments. My career has been rooted in one core purpose: protecting customers and the bank by designing and delivering robust, scalable risk controls without compromising customer experience.Over the past 3 years, I have led a complex Fraud Prevention Onboarding value stream, working across multiple squads and stakeholder groups to deliver strategic change at pace. Prior to this, I spent three years as a Product Owner for Customer Screening, owning BAU operations while driving continuous improvement across name screening and customer risk assessment capabilities. Before moving into product ownership, I worked as a Business Analyst for Customer Screening, where I mapped end-to-end “to-be” processes, data assets, and risk flows across screening and risk assessment portfolios.I specialise in operating at the intersection of fraud prevention, customer onboarding, regulatory compliance, and digital transformation, translating complex risk requirements into clear product roadmaps and measurable outcomes. In 2025, I successfully delivered four major fraud and onboarding programmes with minimal slippage, alongside 32 medium and small enhancements, spanning three different fraud and detection platforms.I hold a Bachelor’s degree and a Master’s in International Banking & Finance, which enables me to approach fraud and compliance challenges with both deep technical understanding and strong commercial awareness. This combination helps me balance risk appetite, regulatory expectations, customer experience, and business growth — something recruiters and senior leaders consistently look for in complex banking environments.Core strengths & skillsProduct ownership across complex risk and fraud domainsValue stream and CDF-aligned product leadershipRegulatory and compliance delivery (risk-led change)Stakeholder management at senior and executive levelBacklog strategy, prioritisation, and outcome-driven roadmapsAgile delivery, dependency management, and cross-squad coordinationData-led decision making and control optimisationBalancing risk appetite, customer experience, and commercial outcomesCareer vision, Next 2 years:To deepen my impact as a senior Value Stream / Lead Product Owner, shaping enterprise-level fraud and onboarding strategy, influencing risk policy through product design, and mentoring the next generation of product leaders within risk and compliance.
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.