Malcolm spent 20 years at Nationwide Building Society with 15 years within the Special Investigations Department, managing strategy and operations in a number of areas including Corporate Projects, Employee Fraud and as the Society‘s representative on the key banking industry fraud strategy forums such as the UK Payments Fraud Control Steering Group, the Plastic Fraud Prevention Forum and as Chairman of the Remote Banking Fraud Management Group.

In June 2009, he joined the National Fraud Authority as the Head of Fraud Risk where he delivered the first National Fraud Dashboard for the UK which defines the key fraud threats across the public and private sectors and has subsequently contributed to the first comprehensive Identity Crime Threat Assessment delivered in the UK.

In 2011, Malcolm spent a year as Head of Public Sector Propositions within the Identity & Fraud area of Experian and is currently Managing Director of Global Fraud Solutions Ltd, which is a new venture to deliver bespoke fraud control training solutions on the issues of Fraud Risk Management Strategy, Insider Fraud, Card Fraud and Identity Fraud for Financial Services Institutions across Europe.