An introduction to the world of ai

Founded in 1998, ai has a long and exciting heritage as one of the world’s leading companies in fraud and risk management, however with the acquisition of a payment gateway in 2016 we are now more than just a fraud company but a payment service provider.

Our team of motivated and knowledgeable experts are constantly seeking new ways in which we can help the businesses we work with. Excellent solutions are critical to us and we make sure we get to know our clients, to ensure we truly understand their objectives.

What really makes us stand out from the competition is our industry expertise, combined with the personal service we provide and the dedication to each and every project, and we have an offering that is one of a kind.

For over 20 years, ai has provided solutions to some of the world’s largest financial institutions, international merchants and other major payment service providers; today, our unique self-service fraud detection solutions are considered by many industry ‘thought leaders’ to be the best in the world.

Our unique solutions, including our new ‘state of the art’ machine learning technology, protect and enrich payments experiences for more than 100 banks, over 3 million multi-channel merchants and over 300 million consumer cardholders.

The Management Team

Ashley Head
Ashley Head

Chairman

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Ashley Head

Chairman

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.

Mark Goldspink
Mark Goldspink

Chief Executive Officer

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Mark Goldspink

Chief Executive Officer

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.

Tom Myles
Tom Myles

Chief Technology Officer

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Tom Myles

Chief Technology Officer

Having studied Mathematics at university I always had a passion for complex problem solving which I found when I moved into the banking world at Lloyds TSB bank. To gain an awareness of the retail banking space I started on the ground in the branches.  I thoroughly enjoyed my time there and it taught me some very valuable lessons about customer service and how technology can impact an organisations ability to excel at it.

When my induction into the banking world was completed I moved into the core banking IT division, where I was responsible for running the core platforms the bank relied upon to deliver it’s services, National switch, ATMs, internet banking, business banking and so on. Being a key member of the core banking team gave me invaluable exposure to a variety of technologies and solutions, often years before smaller organisations.

After 6 years in the bank I decided to put my banking and payments knowledge to use at Retail Decisions (ReD), now owned by ACI.  There I was responsible for the delivery of ReD’s services to its customers, architecting and building the platforms and solutions used by its blue chip client base. Working directly with retailers was a stark contrast from the pressures of the banking world, but it truly showed me how much you can achieve in a smaller organisation and how you can compete with industry leaders, as long as you have the right people and vision.

After 6 years at ReD I spent the next 4 years in senior management positions at Accourt Consultancy, Logica and Visa where I worked on merchant and banking projects, the majority of which was spent on delivering a global switch for an Oil retailer, including the architecture and service operations.

I joined ai in 2013, where I took on the responsibility for the company’s technical operations, strategy and delivery with a key focus on the development of the next generation payments and analytics solutions.

I am also fortunate to be working with some of the most dedicated, passionate and intelligent individuals.

Matthew Attwell
Matthew Attwell

Risk & Client Service Director

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Matthew Attwell

Risk & Client Service Director

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.

James Quickfall
James Quickfall

Regional Director - UK and Europe

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James Quickfall

Regional Director - UK and Europe

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’.

Piers Horak
Piers Horak

Regional Director - Middle East, Africa and Asia Pacific

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Piers Horak

Regional Director - Middle East, Africa and Asia Pacific

Piers bio coming soon

Nick Walker
Nick Walker

Regional Director - The Americas

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Nick Walker

Regional Director - The Americas

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 my skills within a business that I set up, operated and then managed 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 and I got to work with some very capable people, some of whom I now work with at ai.

At ai, as one of the commercial directors, I am responsible for business development in the Middle East, Asia, the America’s and certain sectors in the UK.  This includes working directly with financial institutions and leading merchants, as well as developing new partner channels.

Natasha Westover
Natasha Westover

Finance Director

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Natasha Westover

Finance Director

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 windsurfing, practicing hot yoga, travelling and working with educational charity Team Up to assist in the social mobility of young people in London.

Innovation beyond fraud – reusable technology assets

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.

Looking to simply stop fraud?

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.

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