The B2C Payments and Fraud Prevention Team currently consists of 10 passionate people from 7 different nationalities, a multicultural and diverse team where everyone is able to contribute and add value from different perspectives.

The team has global coverage whilst being based out of Krakow and Manilla. With a strong foundation and collaboration with our internal and external stakeholders, we are ready to continue evolving and growing in terms of scope, responsibilities, knowledge and tools

The next step in the road map is to add a new service line to support the Age Verification capability.

Together with the activation of the B2C channels as part of the smoke free future PMI objective, new capabilities were required to support the business, therefore the Payments and Fraud Prevention operational team has been established under the PMI Business Solution  to centralize on a global level all payments and fraud prevention activities for markets, bringing together all the various tools and capabilities required in order for the business to perform this function. Assisted by and supporting markets across the globe the team aims to meet PMI and the industry expectations with respect to payment functionality, efficiency and success whilst with regards to fraud, maintain a healthy balance between preventing financial losses to the company through fraudulent activity and minimise friction to the consumer experience which further compliments the consumer journey and increase revenue for the company.

As a fully data driven team, the ability to perform this role is heavily reliant on the centralisation and uniformity of PMI data and tools from sources around the world. The Data Management team undertake a huge operation to obtain, collect, centrally store and process all required data so that the Payments and Fraud Teams can effectively perform their duties.

Armed with the abilities provided by the Data Management Team the Payments & Fraud team are able to take this data and tools, using both to configure and maintain a service that detects and identifies fraudulent behaviour whilst giving the team the ability to respond both pro and reactively to stop the fraud. On the payment side, identify any anomaly or lack of performance that must be immediately addressed, internally or externally with our business partners.

The dynamic of the B2C Channels, Payments & Fraud space is huge, this naturally pushes us to go beyond business as usual, think out of the box and in an agile way accommodate to the consumers and business requirements.