Mark Cobbett - UK Payments (formerly APACS)

Mark has been involved in card payments for the past 25 years, now working for UK Payments Administration (formerly known as APACS) in the Card and Fraud Control Unit.

Prior to this, he spent over 18 years working for Visa Europe in a variety roles focusing on Payment Infrastructure development, Scheme Operating Regulations, Dispute Management, Consumer Debit propositions and Acquiring support services in both domestic and international markets. Mark’s been involved with the delivery and roll out of much of the payment service developments in the UK and Europe over the past 10 years, particularly Chip & PIN (EMV), Contactless Payments, Original Credits, Cash back, 3DS VbyV, Re – Engineering of Disputes initiative.

He now spends most of his time co-coordinating initiatives to reduce Card Fraud, promoting countermeasures and best practices, interfacing with a range of organizations, notably government departments, law enforcement agencies, retailer forums and the card schemes to progress co-operation and education on payment fraud prevention activity.