FraudGuard Consulting Unipessoal LDA is a Portuguese limited liability company (Sociedade por Quotas) specialising in fraud and financial crime governance for regulated digital merchants and payment environments.

Led by a second-line practitioner with experience across high-risk card-not-present and embedded payment models, the firm supports MLROs, executives, and boards in quantifying exposure and strengthening control accountability.

Engagements are time-bound and outcome-focused: loss-driver clarity, dispute performance stabilisation, defensible escalation frameworks, and governance structures capable of withstanding partner and regulatory scrutiny.

Fraud Risk & Chargebacks

• Chargeback root-cause analysis and recovery uplift frameworks
• Friendly fraud and scam typology identification
• Processor and acquirer risk exposure management
• Reason-code aligned evidence standards

Financial Crime & AML/CFT

• KYT and transaction monitoring oversight
• Fraud-to-SAR escalation frameworks
• Product and feature risk assessments
• Control design aligned to FATF and EU expectations

Embedded & Integration Partner Risk

• Widget misuse and partner misrepresentation risk
• Upstream marketing and funnel exposure analysis
• Governance escalation thresholds and board reporting

• International Compliance Association (ICA) — Advanced Certificate (Level 5, Distinction): Anti Money Laundering
• International Compliance Association (ICA) — Advanced Certificate (Level 5, Distinction): Managing Fraud
• Professional Member, International Compliance Association (MICA)

FraudGuard operates independently and does not resell tooling. Recommendations are vendor-neutral, commercially aware, and calibrated to operational maturity and risk appetite.

Advisory work is designed to integrate with existing fraud, compliance, support, product, and executive functions — not replace them.