ai is trusted around the world for developing innovative technology that allows our customers to take control and grow profitably. Founded in 1998, we have a long track record of providing solutions to some of the world’s largest financial/payment institutions and international merchants. Our longstanding business partnerships are based on making things simple, self-service tools that allow our customers to take control. By focussing this way, we constantly strive to help our customers create highly profitable returns.
Today, our unique self-service fraud detection solutions are considered by many industry “thought leaders” to be the best in the world. Our solutions, including our new “state of the art” machine learning/A. I, protect and enrich payments experiences for more than 100 banks, over three million multi-channel merchants and over 300 million consumer cardholders. We also monitor over 25 billion transactions and authorisations each year. These machine learning technologies are also flexible enough to be applied to other business processes that require detailed consumer insight for marketing or pricing.
In line with customer demand and as the payment value chain continues to converge, ai is positioning itself to take advantage of the evolution of payments digitations, by exploiting our fraud and analytical capabilities. To support this ai’s payment gateway, issuing platform and European Money License, means we can act as a payment facilitator for our business partners, allowing them the luxury to rapidly launch new alternative payment types into the market place. A truly end to end offering which uses “state of the art” machine learning to securely manage Omni-channel payment transactions securely via a cloud based platform.
ChairmanView Profile >
Ashley began his career with Chase Manhattan Bank, where he rose rapidly through the ranks of technology and online banking. He then joined MasterCard, where he ultimately ran the whole of Africa.
After 30 years in the corporate world and recognising the opportunities within eCommerce, he started his own company called Proc Cyber, a processing business focused on the online gaming industry. He grew this business from scratch to a company valued at over £60 million in just 3 years. Recognising the broader applicability of the underlying antifraud solutions, he merged with Datacash in 2006, where he assumed the role of Chairman and took 50% ownership of the company.
Under his leadership, Datcash grew to a market leading position amidst a virtual plethora of competitors. In 2010 Datacash captured headlines, when MasterCard purchased the company at a 53% premium for £333 million.
At the time of the acquisition, he was quoted, saying, “The deal was a very special dream”… adding “it’s been interesting meeting some of the MasterCard guys again and comparing how much hair we haven’t got.”
Ashley Head continues to lead a vibrant portfolio career and continues to give back. He now serves as Chairman of Ukash and also acts as an investor – and more importantly – a mentor to several growth businesses and entrepreneurs.
Chief Executive OfficerView Profile >
After leaving university with a PhD in Chemistry, I was lucky enough to join a large multi-national oil company (Texaco Inc.) who provided a framework in which I was allowed to develop my skills and capabilities in an array of new and exciting roles. In order for me to successfully execute these P&L jobs, I was provided with first class business training and development, for which I am still very grateful.
As well, as the outstanding business training, my background as a research Chemist always afforded me the opportunity to pursue innovative solutions. However, these new innovations have always been practical and provided immediate returns in the pursuit of operational excellence. In a nutshell, I am passionate about streamlining processes in a way to drive greater efficiency. A good example of this is was when I was Retail Director of Texaco In Europe and turned the business around by $100m.
Having spent over 12 years in the oil sector, I moved into payments in 2000. I believe that oil companies really changed the face of the credit card industry, as they took cards many years before the high street retailers. Despite this linkage, moving into the payment sector was a big leap which has been very exciting. No more so than the 5 years I spent at Retail Decisions as Managing Director and then as Vice President for CGI Inc, working on some very large payment outsourcing opportunities.
However in 2013 I was lucky enough to start working with Ashley Head, who is highly recognised in the payment sector, on rejuvenating The ai Corporation (ai). I am really fortunate to work with an outstanding high performing team, who are driven to re-engineer the current fraud and payment processes. Lots to do – very exciting times.
Finance DirectorView Profile >
I am really excited about joining the ai team to help shape the future of the business by using my finance and corporate governance skills I have developed over the last 20 years. As FD, I will report into the CEO and the board, with the objective of helping to create value for our blue chip customers. To this end, I am looking forward to visiting ai’s clients and working closely with the commercial teams and helping ai’s team members develop into a commercially astute organisation.
After leaving Retail Decisions in 2009, I spent time working for a provider of digital products using the latest technology and working ideologies leading to starting my own accounting support business, allowing me to become even more resourceful and entrepreneurial. It is for this reason, I am particularly excited about returning to the payment sector, which seems to be moving faster than ever before. A domain I really enjoyed and in which I developed considerable expertise. I am especially interested in the work ai are doing in helping clients to take control of their fraud and payments expertise.
After graduating in Accounting and Finance, I have spent the last 20 years working in various finance roles in many different industries from large corporations such as Shell and Barclays to new start-ups such as Fly Victor in luxury retail. An exciting mix of small and corporate businesses, which exposed me to many different company cultures and challenges, requiring me to adapt my finance solutions to changing environments.
My interests outside of work include learning to windsurf, practicing hot yoga, travelling and working with educational charity Team Up, to assist in the social mobility of young people in London.
Regional Director - UK and EuropeView Profile >
I started my career in Customer Services, predominantly in the telco space, running B2B and B2C call centres for O2. This gave me a strong service ethic and an appreciation of the importance of communication with Clients, both written and spoken. In combination with my passion for languages, I have continued to place huge importance on building long-lasting business relationships and how we work together both locally and internationally.
After O2, I managed the European service operation for Psion computers before moving into the dynamic and ever-changing fraud and payments industry in 2002, where I have remained until now. I joined Retail Decisions (ReD), now owned by ACI, in January of that year and held a number of roles including Head of Client Services, Head of Marketing and latterly taking responsibility for the Channel Sales team, working with payment processors, banks, third parties and direct Enterprise Clients.
After 10 years at ReD, I was offered the opportunity to gain some direct banking experience when I joined Elavon, a European acquirer and part of US Bank. There, I ran the 3rd Party Sales channel working with some of the largest Independent Sales Organisations in the UK and abroad.
I joined ai in 2013 in the role of Commercial Director. Here I am responsible for most of ai’s European business and with direct responsibility for several strategic Clients. It is a privilege to work as part of a highly motivated and capable team.
I live in Surrey with my wife and two children, who help me to occupy what I used to call my ‘spare time’.
Regional Director - Middle East, Africa and Asia PacificView Profile >
I found my way into the exciting world of payments and risk whilst completing my studies in finance. I began my career with Digital Outsource Services as a Fraud Risk Analyst working 24/7 shifts, investigating and making decisions on transactions for some of the largest online gaming Clients in the world. I then went on to Head up the eCommerce and Risk Team responsible for the end-to-end online payment solutions and strategy for existing markets as well as entry into new global markets, I was also responsible for driving the ecommerce fraud and risk strategy and operations.
In 2008 I moved to Datacash, now owned by MasterCard, to run the Fraud Operations, providing fully managed fraud prevention technology and services to all the major high street brands and their online business. This included managing teams providing 24/7 Risk Alert management, rules optimisation and strategy, implementation and specialist fraud account and relationship management. After the MasterCard acquisition of Datacash I spearheaded the white labelling of the Datacash solutions so that Acquiring banks could offer their merchants value added end-to-end services as their own. After this I went on to head up Fraud Product and Risk and was responsible for defining the global fraud and risk services strategy and product pipeline. In this role I focused on managing 5 key areas including; product development, product management, commercial expansion, general fraud & risk operations and specialised risk services.
Outside of work, I actively support several philanthropic organisations including Chiva Africa, a charitable organisation that provides support for young children with HIV and Aids, and The Children’s Trust UK’s leading charity for children with brain injury; giving children with brain injury the opportunity to live the best life possible.
Regional Director - The AmericasView Profile >
My ‘working life’ began in the Royal Navy where I served on HMS Leander and HMS Ark Royal, working on communication and weapon systems. This gave me a solid grounding in my work ethics that are still with me today; working smart, hard and giving the absolute best I can, while always striving to do better. After the Navy I studied Electronic Engineering, while working for an EPOS developer and manufacturer, I was ‘hands-on’ developing some of the early EFT and POS machines that were deployed to retail fuel stations around the world.
I started out as a ‘techie’, then had a great opportunity to grow and boarded my skills within a business that I helped set up. Establishing and managing various departments from development, project management, customer services, manufacturing, sales and business development; I finally joined the senior management team, taking the business to a full listing on the London Stock Exchange. That experience put me in good stead for my next career step, joining Retail Decisions (ReD), where I was very much involved in developing the business from a UK only, one product business, into a leading global fraud detection, fuel card and payment solution provider. My time at ReD included running various types of operations, covering fraud prevention, payments and fuel cards around the world, including South Africa (my home for many years), China, USA, Australia and LATAM where I worked with some very capable people, some of whom I now work with at ai.
At ai, as one of the regional directors, I am responsible for business development and operations in the America’s. This includes working directly with financial institutions and leading merchants, as well as developing new partner channels.
Chief Operations OfficerView Profile >
Dave has joined the ai team to help shape the global operations of the business as it expands through the coming years. Using the knowledge gained from his years of experience in managing and restructuring Service and Operational departments, Dave will ensure that the ai operational teams are structured to aid the ai commercial team in delivering the growth targets set. As COO Dave will report into the CEO and the board, and is looking forward to working alongside his colleagues, and customers to achieve the company objectives.
Dave started his career in retail management for French Oil Retailer Total Oil, where he held a number of positions over the five years he was with them. After leaving Total Oil in 2001, Dave took a change of direction in his career as he looked to gain more office experience, and moved into the service support arena, where he has been working for the last 16 years.
The first step on this journey was working with Lantec Uk, a third party labour specialist, where Dave honed his customer service skills, and started to mature his knowledge of developing and improving customer service support models. During this time Dave successfully ran many outsourced projects for large multi national companies such as NCR, and was responsible for delivering the Chip and Pin rollout for Natwest Streamline.
For the last 11 years Dave has been an integral part of the management structure of HTEC Ltd, an EPOS, payments and loyalty provider who specialise in the Petrol Forecourt space. Utilising the knowledge of the petrol retail industry and putting into practice the operational skills learned, the service and operational departments were modernised, culminating in local and national service awards in 2016 and 2017.
Outside of work Dave’s interests include attempting to play golf, scuba diving, travelling and spending time with his wife, son and two dogs.
Chief Technical OfficerView Profile >
Robin has over 14 years’ experience in the payment industry. In 2007 he founded Iridium Corporation (trading as PayVector) as a joint venture with DataCash, to build a white label payment gateway to primarily target the SME market. Iridium Corporation grew to process for over 35,000 merchants to a value of over £2 billion annually.
In 2016, following the acquisition of Iridium by The ai Corporation, Robin joined the ai team as Development Director, responsible for the technical development of all software and services provided by ai. In 2018 Robin took the position of CTO and is now additionally responsible for the product strategy and R&D across the ai portfolio.
Risk & Client Service DirectorView Profile >
I started my career with Retail Decisions (ReD), now owned by ACI, where as part of the analytics team I was responsible for managing the fraud rule strategy for all customers in the Retail and Travel sector. This role sparked a passion about the insight potential of data and, throughout my career, I have been an advocate of fully utilising data to make the best decisions.
I then worked for Lloyds Banking Group for several years within the UK Retail Bank business unit, working in fraud analytics and risk strategy management roles. This gave me the opportunity to both manage fraud risk and teams at every stage of the customer lifecycle, from application through to recovery.
Prior to joining ai, I worked as an Assistant Vice President in the Global Anti-Fraud team at Deutsche Bank, where I was responsible for both managing a global fraud loss prevention program and managing fraud risk for the bank within the UK-MEA region.
As Risk and Client Services Director at ai, I am responsible for our business service capability and ensuring that ai’s global client base are utilising the latest practices in management of fraud risk. Throughout my career I have experienced the extraordinary potential of mixing world class individuals and industry leading technology, and I am fortunate to see this in practice at ai.
A fan of endurance sports, I have competed in a number of long-distance events, including the New York, Paris & Madrid Marathons. I live in the Surrey Hills area with my wife and two kids.
ai’s ‘best of breed’ solutions are designed to help our clients grow profitably. As well as optimise risk management, they are flexible enough to be applied to other business processes that require detailed consumer insight for marketing or pricing.
These innovative, easy-to-use self-service/self-learning solutions have been deigned to help provide our customers with greater operational controls. By doing this, we constantly strive to help our business partners create superior returns on their investments in our solutions.
At ai, we provide innovative technology to help you grow profitably.
Our team of experts cover the full spectrum of risk management and business analytics across the globe. If you would like some more information, please complete the following form and we’ll get back to you as soon as possible.
I first worked with Rob at aiGateway in 2010 and built a base of 30,000 customers in just over 3 years. So when it came to working on another project, I had no hesitation in picking up the phone and getting aiGateway involved again. We trust the folk at ai, that’s really what it’s all about in this industry. The product is so simple to use and it looks great. The aiGateway guys really do know what they are talking about and we are looking forward to expanding into the broader ai product set in the near future.
To myself and my team, ai is a valued partner, in a relationship going back over 12 years now. RiskNet is very reliable and of good quality, but any issues are resolved quickly and the communication of resolutions is excellent. I would not hesitate to recommend ai. The move to ‘real-time’ fraud management information is the next step for us and we are already talking to ai about this.
We are a leading payments processor who use RiskNet as part of our service to our customers. The quality and reliability over the last two years has been excellent. Recently some prepaid cards issues in this region have heightened the awareness of fraud prevention with our clients, so having RiskNet available to protect all card types and channels makes us well equipped and to meet our client’s urgent needs in these regards.
I recognise improvements in communication and engagement from ai over the last 12 months and we would like to leverage their expertise and experience for our next phase of development. As the payments world gets more complex we need to benchmark our performance and understand what ai can do for us in the future.
ai has tackled an incredibly complex data landscape to produce operational insight on an ongoing basis, via a custom built tool that is integrated into users daily work. We’ve been impressed by their agile approach to deploy, their speed of turnaround and their consistent focus on ensuring success.