About Me

Richard Emery

I am an independent Retail Business Consultant, specialising in the investigation of Retail Theft, Credit/Debit Card Fraud and Online Bank Fraud.

My work has two distinct, but closely related, aspects:

  1. I have served as an Expert Witness in both Civil and Criminal Courts since 1994 and hold Cardiff University Law School Bond Solon (CUBS) Expert Witness Certificates in both Civil and Criminal matters.
  2. I assist individuals who are seeking to resolve disputes with their banks (or card issuers) regarding claims for fraudulent transactions.

It is this second aspect of my work that has caused me to question one of the fundamental aspects of the ‘Faster Payments’ process that we use when making online payments from our bank accounts.

If you’d like to know more about me and my work please visit my website 4Keys.