Fraud, risk, product, and delivery leadership

Tomas Kybartas CV Timeline Experience

Fraud impact first

Loss prevention, dispute recovery, and squad leadership.

Operational Risk Management

Ensuring applications and services are up to date & meeting current Legal requirements.

About Me

Learn about me and my hobbies!

01Experience

Senior Business Analyst

Danske Bank

Jul 2022 - PresentVilnius, Lithuania

Leading a payment fraud squad that designs and ships products reducing fraud risk across the bank.

Key achievements and responsibilities

  • Partnered with business stakeholders to define solutions, manage delivery expectations, and drive successful outcomes.
  • Led requirements gathering and supported user acceptance testing to ensure solutions matched business needs.
  • Translated complex business requirements into clear functional specifications for technical teams.
  • Aligned Architecture, Engineering, QA, and Testing on solution design, delivery scope, and execution.
  • Owned complex assignments end to end and resolved issues with minimal supervision.
  • Delivered measurable operational improvements and practical solutions to multifaceted fraud problems.
  • Influenced stakeholders on policies, processes, and incremental system improvements.
  • Shared guidance and domain knowledge with peers and junior team members.
Vilnius
02Experience

Fraud Risk Manager

GearBubble LLC

Mar 2020 - Jan 2025Remote, United States

Built payment risk controls across multiple processors to reduce fraud at scale for a high-volume ecommerce business.

Key achievements and responsibilities

  • Implemented tools and processes to monitor and reduce payment risk across Stripe, Braintree, and PayPal.
  • Prevented over 5 million USD in fraud losses.
  • Recovered more than 500 thousand USD in disputes.
USA
03Experience

Fraud Risk Manager

CyberGhost

Apr 2018 - Dec 2019Remote, Romania

Strengthened payment and card fraud controls for a Romanian digital brand while improving dispute recovery operations.

Key achievements and responsibilities

  • Implemented payment risk controls and applications to monitor and reduce payment and card fraud.
  • Led a team of analysts reviewing payments and disputes.
  • Prevented over 3 million USD in fraud losses.
  • Recovered more than 1 million USD in disputes.
Romania
04Experience

Senior Fraud Analyst / Non-Technical Product Owner

Envision

Dec 2016 - Aug 2019Remote, London, United Kingdom

Bridged fraud operations and product delivery to launch a machine-learning anti-fraud solution on top of a payment processing service.

Key achievements and responsibilities

  • Led a team of developers in delivering a machine-learning based anti-fraud solution.
  • Acted as the business-facing product owner for fraud tooling improvements.
  • Translated risk needs into a roadmap that balanced speed, trust, and detection quality.
London
05Experience

Senior Fraud Analyst

Upwork

Oct 2017 - Nov 2018Remote, Global

Supported a global marketplace by identifying fraud patterns quickly and preventing material losses.

Key achievements and responsibilities

  • Prevented over 1 million USD in fraud losses.
  • Worked in a globally distributed environment with remote-first fraud operations.
Remote
06Experience

Risk Analyst

Western Union

Nov 2012 - Dec 2016Vilnius, Lithuania

Built monitoring and reporting capabilities for high-risk payments while partnering with banks across EMEA.

Key achievements and responsibilities

  • Implemented and created tools to monitor high-risk payments.
  • Provided key KPI and target reports to internal stakeholders.
  • Worked closely with EMEA banks to increase payment acceptance rates.
  • Prevented over 10 million USD in fraud losses.
  • Prevented funding of at least one terrorist cell.
Vilnius / WU

My Clients

Companies I've supported as a freelancer across fraud, risk, payment operations, and related consulting work.

TodayTix logo
TodayTix
GearBubble logo
GearBubble
ResearchForGood logo
ResearchForGood
CyberGhost logo
CyberGhost
ChargeBack Hero logo
ChargeBack Hero
About Me

Beyond the timeline

Formula 1

Ferrari and Max

Formula 1 fan, cheering for Ferrari but supporting Max Verstappen!

FC Porto

Blue dragon energy

FC Porto fan since 2004.

Roller Skating

Vilnius street ride

Roller Skating! Good chance you could see me and my wife rolling through Vilnius' streets and sidewalks!

Indoor Climbing

Wall session

Indoor Climbing. The joys of getting high. Quite often my evenings are spent climbing up... and falling... then climbing up again!

Alps and Dolomites

Novice mountaineer, spending at least two weeks every year somewhere in the Alps. Cortina d'Ampezzo and the Dolomites are my favourite!

Gaming

PC Gaming & PS5

Gaming. From shooters to RPG. Sometimes a casual Warhammer 3 campaign, sometimes leading a community of hundreds of players in the old-school PvP based MMO - Dark Age of Camelot.