Cybersource | Fraud Solutions for Europe, the Middle East and Africa
Mari-Anne Bayliss focuses on understanding the impact of PSD2 SCA regulation, developing solutions to support compliance and optimize customer experience. Prior to joining Cybersource in 2017, she spent 18 years with a large UK retailer as the Head of Fraud and Risk, responsible for both eCommerce fraud prevention and internal risk management. During this time, she experienced significant changes to the risk and payment landscapes. She brings unique insight into today’s digital payment environment.
Strong customer authentication (SCA) has understandably been a major priority for the payment industry. While everyone focuses on compliance and on minimizing the impact on customer experience, it’s easy to forget that SCA will also have an impact on fraud—and merchants should be ready for it.
In his recent blog post, Mark Nelsen (Visa’s Senior Vice President for Open Banking) writes eloquently about the need to balance security and convenience for online shoppers—a message we’ve long been promoting at Cybersource.