Payments Services Customer expectations for security, user experience, and processing are rising. App-based services and cryptocurrencies are disrupting the payments ecosystem. Cyber threats and fraud have become more sophisticated alongside these technologies. Consumers are incorporating credit cards into their debt portfolio at an ever-increasing rate, bringing opportunity to capitalise on swipe and interest revenue, but simultaneously flooding institutions with applications, credit limit increases, disputes & chargebacks, call volume, and more.No one is immune to the uncertainty of future risks, making it more critical for C-suites and boards to anticipate future emerging issues. Our business technology consulting professionals become your trusted advisors, providing guiding insights and strategic vision - realised through a unique blend of payments industry knowledge, product experience, and business acumen.Protiviti helps payments firms to be more effective and efficient in a way that is risk-sensitive, regulatory compliant, well-controlled, and enabled by leading technologies.Our firm is widely recognised for delivering practical solutions to financial organisations that embody the five characteristics needed to succeed in the face of disruption: human, flexible, intelligent, innovative, modular. We have assembled integrated teams of industry and process advisors with the skill to help executives develop pragmatic, transformation, risk-sensitive solutions to confidently face emerging challenges and identify opportunities for structural transformation that align with your core values to ensure sustained future growth.Together with Robert Half, the world's first and largest specialised talent solutions firm, Protiviti offers the unrivaled combination of consulting expertise with Robert Half’s deep pool of highly skilled and experienced professionals to solve your business challenges using our unique, flexible delivery models. Research Guide November 25, 2024 FAQ Guide on the Use of AI for Financial Crime Compliance Ask financial crime professionals what the most challenging part of their job is, and most will likely say it is the timely identification of suspicious activity. As much as companies have worked to improve their detection capabilities given their compliance obligations, their desire to protect their reputations and their understanding, as corporate citizens, of the... Learn more What we do Our services Leadership Our Services Our payments consulting advisors provide solutions tailored to your organisation’s unique needs in the following areas. Pro Briefcase Cybersecurity Cybersecurity is a top priority for boards and ERM functions seeking proper visibility and understanding of their cyber threat landscape. We help firms protect data by assessing, developing, implementing and managing end-to-end agile solutions to help you safely grow your business. Pro Building office Managed Solutions We provide a unique and flexible delivery model for consulting, implementation and operations services to help you address short-term skill gaps, deliver project results, and transform your organisation by creating the right team that can scale up or down quickly and cost effectively to fit your needs. Pro Document Consent Technology Whether you are looking to automate, modernise, or embark on an end-to-end transformation journey, our technology consulting solutions can help. We have experience in developing solutions for alternative credit and financing models, real-time payments, super apps and digital wallets." Pro Document Files Data and Analytics Using data to identify untapped opportunities is a powerful competitive advantage. Our advisors support your data needs from data strategy and governance through the development, design and implementation of advanced analytics and digitalisation using artificial intelligence and machine learning. Pro Document Stack Digital Transformation Evolving needs and customer expectations challenge even the most agile organisations. We help you think differently to redefine customer experience, explore new operating models, create enhanced digital channels, and build skills that instill a culture of innovation and agility. Pro Legal Briefcase Risk Management Proactive leaders know they must adopt more innovative risk management practises to succeed. We help you leverage emerging technologies, harness data and and maintain a strong control environment so you stay on the leading edge of risk management while improving your bottom line. Pro Workflow Flowchart Operational Resilience Our advisors work closely with your key stakeholders to integrate industry best practises and tailor business solutions to help you reduce operating costs, increase productivity and service, build resiliency and reduce the capital required to support business goals and objectives. Pro Tools Gear Ecosystem partners We work across our partner ecosystem to develop solutions and offer unbiased technology recommendations, single-sourced solutioning, and agile collaboration to solve your most complex challenges. Find out more about our consulting services for:Banking and capital markets InsuranceAsset & wealth managementMortgage & consumer lending Featured insights and client stories PODCAST Exploring the future of payments with the Commonwealth Bank of Australia In the VISION by Protiviti podcast, Susan Yang, General Manager, International Payments and Network Management at the Commonwealth Bank of Australia, sits down with a pair of Protiviti payments experts to discuss how she and her team are leading the... INSIGHTS PAPER Best Practices for Building a Sustainable PCI DSS Compliance Programme Creating and maintaining a sustainable PCI DSS compliance programme is a crucial and complex task for organisations to protect payment card transactions and uphold consumer trust. However, despite the PCI DSS standard being around for almost 20 years... BLOGS Business get ready! Australia takes another step forward with climate-related disclosure requirements The Australian proposed sustainability reporting regulation, also known as The Treasury Laws Amendment (Financial Market Infrastructure and Other measures) Bill 2024 is now before the Australian Parliament for adoption. This follows a comment period... PODCAST Risky Women Radio | Women in Risk Management: Challenges and Opportunities Dive into the world of women in risk management. In this Risky Women podcast, Jenny Wong & Gayle Lacey discuss risk management challenges & opportunities. PODCAST Risky Women Podcast | Risk Management With Purpose In this episode of Protiviti's Risky Women podcast series, Ghislaine Entwisle, Managing Director of the Australia Technology Consulting and Business Performance Improvement practice, speaks with Gloria Yuen, Head of Regulatory Enablement and Delivery... INSIGHTS PAPER Crypto and the Travel Rule: What’s Going On? Navigate crypto Travel Rule compliance: understanding its impact, the need for flexible solutions, and areas of focus for implementation. WHITEPAPER DORA Compliance: Untangling Key Hurdles to Implementation The Digital Operational Resilience Act (DORA), or more formally known as Regulation (EU) 2022/2554, took effect on 16 January 2023, with final industry compliance required by 17 January 2025. The regulation underscores the importance of digital... WHITEPAPER Sanctions Risk Assessment: A Key Risk Management Tool Faced with the growing complexity of the geopolitical landscape, governments have been using financial sanctions increasingly as foreign policy tools to respond to developments as wide ranging as regional conflicts and wars, terrorism, and human... Button Button Leadership Matthew Pirera Matt is a managing director in Protiviti Australia’s risk and compliance team and is responsible for leading the delivery of best practice solutions across Protiviti’s key clients. Matt is the national financial services industry lead, also leading the Protiviti ... Learn More Mark Burgess Mark is a managing director and Protiviti’s risk and compliance solution lead. With over 17 years of risk and regulatory compliance experience in the financial services industry, he has a proven track record delivering deep insights for his clients.Mark has spent a ... Learn More