Meet Katy Worobec, Risk and Fraud Specialist at A Jolly Consulting

In this series, we introduce the people behind AJC and the experience they bring to the business. In this profile, we are spotlighting Katy Worobec, Risk and Fraud Specialist at A Jolly Consulting.

I’m Katy Worobec, a Risk and Fraud Specialist at AJC, with more than 20 years’ experience working at the heart of the UK financial services industry.

I am passionate about fraud prevention, scams, fraud strategy and protecting customers from harm. I enjoy working with organisations to identify risks, strengthen controls and develop practical solutions that build resilience and confidence.

My Role at AJC

At AJC, I work with clients to understand where fraud risks may exist within their business and how those risks can be effectively managed.

My focus is on helping organisations develop proportionate, practical and customer-focused approaches that protect both their customers and their reputation.

That can include strategic reviews, risk assessments, policy development and regulatory readiness. I work closely with clients to translate complex challenges into clear actions and help them make informed decisions about both current and emerging threats.

A big part of that is understanding that fraud risk does not stand still. Criminal tactics change quickly, technology creates new opportunities for both businesses and fraudsters, and organisations need to be able to adapt their approach accordingly.

Purchase scams, whilst relatively low value, are affecting huge numbers of our clients’ customers through a sharp increase in fake advertisements on social media, online marketplaces and gaming platforms, often using well-known brands to dupe people. AI makes these fake ads and fraudulent websites even more convincing.

How I Help Our Clients

My work covers a broad range of fraud and economic crime issues, including assessing fraud and scam risks, reviewing fraud prevention frameworks and advising organisations on regulatory developments.

I also support fraud strategy and governance reviews, help organisations understand and respond to emerging scam threats and AI-enabled fraud, and provide independent advice on customer protection and fraud resilience.

Alongside this, I contribute industry insight, thought leadership and stakeholder engagement, helping organisations understand not just the risks they face today but how the wider fraud landscape is changing.

For me, the most effective fraud prevention strategies bring together strong controls, good governance and a real understanding of customer behaviour. Protecting an organisation from fraud should not come at the expense of creating unnecessary barriers for genuine customers.

My Professional Background

Before joining AJC, I spent many years working in leadership roles across the UK financial services sector.

Most recently, I was Managing Director, Economic Crime at UK Finance, where I worked with banks, regulators, law enforcement and government departments to strengthen the UK’s response to fraud and financial crime.

Over my career, I have led industry initiatives covering fraud prevention, scams, customer protection and wider economic crime issues. I have worked extensively with organisations across the public and private sectors, helping to develop collaborative approaches to tackling increasingly sophisticated criminal activity.

For example, I led industry work on Authorised Push Payment (APP) fraud with the Payment Systems Regulator and consumer organisations, which led to the publication of the APP Contingent Reimbursement Model. This groundbreaking voluntary code provided greater consumer protection and was a precursor to the Mandatory Reimbursement framework.

This experience has given me a broad understanding of the operational, regulatory and strategic challenges organisations face, together with a practical appreciation of what works in the real world.

Women Working in Fraud and Financial Crime

I am a co-founder, Director and Deputy Chair of the Fraud Women’s Network (FWN), which will celebrate its 20th anniversary in 2027. FWN was set up to unite women working in fraud and financial crime, whatever their sector, role or seniority.

When Toni Sless, Chair and fellow AJC team member, and I set up FWN almost 20 years ago, it really was one of the first networks of its kind. I find that women tend to instinctively understand the value of collaboration, which is crucial in tackling fraud, and I always find our networking events uplifting because people are so eager to share their experiences.

Working at AJC

One of the things I value about working with AJC is the opportunity to use my experience in a practical way, working directly with organisations on the fraud and economic crime challenges they are facing.

The breadth of expertise across the team also means we can look at those challenges from different perspectives, bringing together fraud, risk, cyber security, compliance and resilience expertise where needed.

The other members of the fraud and financial crime team are great to work with. Everyone is supportive and willing to go the extra mile.

A Bit About Me

Outside work, I’ve been a member of Rock Choir for 10 years and enjoy the buzz of singing with others in shows and gigs. My most memorable evening was providing backing vocals at a concert with Russell Watson and Aled Jones in front of several thousand people.

Rumours that my husband once called the police after hearing me rehearse, in the belief that a cat was being tortured, are totally unfounded, by the way.

Let’s Connect

If your organisation is looking for support with fraud prevention, scams, economic crime, risk management or customer protection, I’m always happy to have a conversation.

Our team can help you understand the fraud risks facing your organisation, strengthen your controls and governance, and develop practical approaches that protect both your business and your customers.

Contact us on 020 7101 4861 or email us at info@ajollyconsulting.co.uk if you think we can help.