Tristan Ghattas
Sydney
Summary
Current Digital Fraud & Scams Automation Lead with 5+ years in the fraud space, currently leading key initiatives in network analysis, reverse search capability, and GenAI integration as part of the Group’s digital fraud uplift. I bring a rare combination of operational expertise and technical fluency across SQL, SAS, and applied AI. I’ve played key roles in several of the most complex RAT and mule-related events and have shaped frontline workflows that surface links across devices, behaviour, technical indicators and scam typologies. I’ve been consistently entrusted to deliver results at both strategic and tactical levels — from pattern detection to scalable automation.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Digital Fraud & Scams Automation Lead
Commonwealth Bank
05.2024 - Current
- Leading fraud network detection uplift across RATs, mules, and scam typologies
- Delivered the GenAI-powered for frontline decision support, going live in June 2025
- Designed and validated SQL-driven reverse search queries used to trace fraud and scam campaigns
- Actively involved in onboarding fraud friction strategy, collaborating with Risk and Product teams
- Coordinating with AML, Cyber, and Intelligence teams to integrate campaign-level escalation
Senior Analyst – Digital Fraud Capabilities & Operations
Commonwealth Bank
03.2023 - 05.2024
- Drove operational BioCatch behavioural biometrics uplift across digital channels
- Translated analyst and threat insights into rule and detection strategy improvements
- Drove early AI use case development using structured fraud signals and dynamic risk features
Senior Analyst – Digital Fraud (Money Mules)
Commonwealth Bank
01.2022 - 03.2023
- SME for money mule detection and triage
- Led daily operational response to high-value mule-related alerts and escalations
- Liaised with law enforcement, internal risk teams, and external stakeholders
Analyst – Digital Fraud
Commonwealth Bank
07.2020 - 01.2022
- Investigated confirmed fraud and scam cases across digital platforms
- Contributed to early identification of mule-linked behaviour and scam trends
Education
Bachelor of Security Studies - Strategic Intelligence
Macquarie University
Skills
- SQL
- SAS
- GenAI
- LLM Governance
- Fraud Network Analysis
- Typology Mapping
- BioCatch
- Behavioural Profiling
- Cross-Stream Collaboration
- RAT & Mule Triage Strategy
- Strategic Fraud Detection Planning
- Onboarding Fraud Friction Design
- Stakeholder Alignment
- Frontline Enablement
- Data-driven testing
Certification
SAS Programming 1: Essentials
Accomplishments
- Spearheaded the development of reverse search capability across Cards, Digital, Scams, and Fraud Intelligence streams, enabling structured identification of fraud networks via IPs, devices, and shared behavioural signals.
- Delivered the Gen AI detection assistant, due to go live June 2025, reducing alert triage time by 60% and enabling scalable frontline decision support across 11,600+ alerts/month.
- Regularly called upon to brief the Executive Leadership Team on RAT and mule-related fraud detection strategy, reinforcing deep trust across Digital Fraud, AML, and Cyber.
- Supported strategic uplift of onboarding fraud friction, helping shape decision logic and behavioural signals to reduce high-risk openings while minimising customer impact.
- Led detection uplift through behavioural biometrics, surfacing 6,500+ high-risk sessions/day and supporting tactical analyst response through improved GTF targeting.
- Partnered with AML, Intelligence, and Cyber to unify campaign-level thinking, link siloed casework, and drive shared escalation paths for fraud and mule networks.
Fraud Skills
- Fraud Network Analysis & Typology Mapping
- BioCatch & Behavioural Profiling
- Cross-Stream Collaboration (Digital, Scams, AML, Cyber)
- RAT & Mule Triage Strategy
- Strategic Fraud Detection Planning
- Onboarding Fraud Friction Design
- Stakeholder Alignment & Frontline Enablement
Timeline
Digital Fraud & Scams Automation Lead
Commonwealth Bank
05.2024 - Current
Senior Analyst – Digital Fraud Capabilities & Operations
Commonwealth Bank
03.2023 - 05.2024
Senior Analyst – Digital Fraud (Money Mules)
Commonwealth Bank
01.2022 - 03.2023
Analyst – Digital Fraud
Commonwealth Bank
07.2020 - 01.2022
Bachelor of Security Studies - Strategic Intelligence
Macquarie University
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