Natalie Phillips
Fraud & Risk Analyst | Investigations, Risk & AI
London · Open to worknatalie.kjp@gmail.comLinkedIn ↗
Professional summary
Fraud and risk professional with three and a half years of experience across investigations, refund review and complex operations. Experienced in identifying suspicious activity and anomalies, investigating discrepancies across multiple data sources, assessing potential financial exposure, reviewing cases that fail automated checks and making evidence-led decisions within a regulated environment.
Alongside my professional experience, I independently design and build products, tools and automation using AI-assisted development, including an iOS consumer app, trust-and-safety tooling, API integrations, operational dashboards and rules-based systems.
Core strengths
- Fraud investigations
- Fraud detection
- Risk assessment
- Financial risk
- Anomaly & pattern detection
- Evidence review
- Data reconciliation
- Exception handling
- Complex case ownership
- Regulated decision-making
- Data analysis
- Process & requirements design
- AI-assisted development
Professional experience
Credit Specialist – Revenue Protection
Fraud investigationsOctopus Energy · London
- Investigated suspected energy theft including meter tampering, illegal reconnections and unmetered consumption.
- Analysed account and consumption data to identify irregular behaviour and support investigation decisions.
- Compared external industry data flows with information held on internal systems across multi-million-row datasets.
- Quantified settlement risk and documented investigation evidence.
- Prepared evidence for police, national fraud-reduction networks and industry bodies.
- Worked within Ofgem regulation, including customer-vulnerability and fair-treatment considerations.
Billing, Industry & Refund Specialist
Octopus Energy · London
- Managed complex customer accounts across billing, metering and service issues.
- Resolved complaints and complex cases end to end.
- Manually reviewed credit-balance refunds that failed automated checks.
- Recalculated direct debits to reduce the risk of refunds pushing accounts into debt.
- Investigated industry-data issues including erroneous transfers, crossed or faulty meters and disputed readings.
- Liaised with other suppliers and national industry bodies to correct data-registry problems.
- Worked across Partnerships operations for just under a year alongside the core role — account and billing maintenance, promotions, incentives and data-verification checks for corporate and white-label partners.
Sales Specialist
Utility Switchboard · London
- Advised customers on energy and broadband products.
- Consistently met and exceeded sales targets.
Independent projects
Separate from my employment experience, I design and build products, tools and experiments using AI-assisted development.
MELAIRE Trust & Revenue Console
Designed an explainable platform-abuse detection and human-review workflow using eight SQL detection rules, weighted risk scoring, case evidence and per-rule precision tracking.
MELAIRE
Built a database-backed hair-care platform for iOS with personalised profiles, curated ingredient data, product analysis, scoring and subscription infrastructure.
Playlist Cleanup
Built a read-only Spotify library auditing tool using metadata, OAuth PKCE, track/ISRC matching and configurable confidence scoring for near-duplicate detection.
Algorithmic trading systems
Built rules-based futures and FX automation with hard loss limits, kill switches, configuration profiles and mandatory simulation-before-live controls.
Life Command Centre
Built a Next.js, Supabase and Postgres operational dashboard consolidating projects, tasks, revenue, expenses and priorities.
Tools & technical experience
Professional
- Advanced Excel
- Google Sheets
- Case-management systems
Independent projects
- Next.js
- Supabase / Postgres
- Tailwind
- Capacitor
- RevenueCat
- API
- OAuth / PKCE
- AI-assisted development
- Requirements & specification writing
- Rules-based system design
- Automation & dashboards
Currently developing independent fluency
- SQL
- BigQuery
- Data visualisation
- Looker / Tableau
Education
BA Performing Arts
2016 – 2019De Montfort University