Speakers

Chris Farrow joined Monzo in July 2025 as the Senior Fraud Manager, where she leads the bank's Industry and Regulatory engagement and change team.

Before Monzo, Chris was the Authorised Push Payment (APP) Fraud Strategic Lead at UK Finance, a payments industry trade association. In this role, Chris achieved significant industry-wide impact. Chris successfully led the payment industry's response to the Payment Systems Regulator’s (PSR) APP reimbursement proposals, providing crucial leadership across hundreds of Payment Service Providers (PSPs), Pay.UK, and the regulator to ensure a safe and orderly industry-wide implementation. Additionally, Chris successfully lobbied for and secured a change in UK payment regulations, allowing PSPs to temporarily hold payments deemed to be at a high risk of fraud.

One of Chris's most notable achievements is the development of the award-winning Banking Protocol. This national initiative, a cross-sector partnership with the Police and National Trading Standards, is aimed at protecting vulnerable consumers within bank branches and their homes. It is now embedded within the policing plan for all 45 UK Police Forces, utilised by 54 national financial institutions and the Post Office, and has prevented over £430 million in APP fraud since its launch.

Chris's contributions to the field were formally recognised when she won the 2024 Outstanding Individual Contribution to Tackling Economic Crime category at the TECA’s.