Fraud Focus: Recognizing & Responding to Insider Threats in Financial Institutions

Joby is a global subject matter expert on cryptoassets, illicit finance and emerging threats. Joby has 18 years of experience and expertise in strategic policy making, critical thinking, threat and risk analysis across the U.K. Government, intelligence and regulatory community. In his previous role Joby was responsible for the management of the Financial Conduct Authority’s Strategic Assessment Team, overseeing a team of analysts tasked with delivering high quality intelligence reporting on money laundering, fraud, market abuse, corruption and other forms of criminality across the regulated sector.

As part of his role Joby has undertaken extensive regulatory and threat analysis of cryptoassets and represented the U.K. on a variety of high-profile engagements. Recently Joby has produced a range of thought leadership papers covering cryptoassets, their regulatory framework, the threat environment and cryptoasset business models. Joby has also had articles published relating to the importance of threat analysis and intelligence sharing.

In 2012, Matthew returned to his hometown of Buffalo, NY to become the Head of the Financial Investigations Unit (FIU) at M&T Bank.  As Head of the FIU, he was responsible for day-to-day operations and strategic decision-making for enterprise-wide transaction monitoring, customer investigations and suspicious activity report filing for the bank.  Matthew later took on the role of BSA/AML Officer for M&T Securities Inc.

In 2020, Matthew was appointed Chief BSA/AML Officer for M&T Bank.  As Chief BSA/AML Officer, Matthew is now responsible for oversight, implementation, and strategic direction of the enterprise-wide programs for Bank Secrecy Act, anti-money laundering and governmental sanctions compliance.  Matthew is an active member of the Association of Certified Anti-Money Laundering Specialists, was awarded ACAMS AML Professional of the Month in October 2020, and is a licensed attorney in Virginia and New York.

Matt Horne is a national security and intelligence leader with more than three decades of operational and strategic experience in UK law enforcement. A former Deputy Director at the National Crime Agency (NCA), Matt is best known for serving as Gold Commander for Operation Venetic — the UK’s most significant and complex investigation into serious and organised crime, which followed the infiltration of the encrypted EncroChat platform by international partners. Under his command, the UK operation dismantled vast criminal networks, resulting in more than 2,000 convictions, hundreds of firearms recovered, tonnes of drugs seized, and hundreds of lives saved.

Over a 30-year policing and intelligence career, Matt held senior roles across the Avon & Somerset Police, the National Crime Squad, the Serious Organised Crime Agency (SOCA), and the National Crime Agency. His expertise spans serious and organised crime, cybercrime, economic and financial crime, technical surveillance, intelligence exploitation, covert operations, and crisis command. He is also an experienced Strategic Firearms Commander and major incident leader, having overseen numerous high-risk and high-profile operations nationally and internationally.

In 2022, Matt transitioned to the private sector, taking up the role of Director of Intelligence & Investigations at Clue Software, where he leads the strategic development of intelligence and investigation technology for a global customer base spanning law enforcement, central government, regulators, NGOs, and major corporates. He plays a key role in ensuring that Clue’s technology reflects the operational realities of investigations — enhancing decision-making, intelligence handling, and public protection. He frequently writes and speaks on the future of investigations, and the critical role of technology in countering modern threats.

Matt is also Chair of the National Security Committee at techUK, the UK’s leading technology trade body. In this role, he brings together public and private sector stakeholders to explore the strategic challenges at the intersection of technology, national security, cyber resilience, and intelligence. He champions innovation, SME engagement, and cross-sector collaboration to ensure the UK’s technology ecosystem supports national resilience and security priorities.

Across all his roles, Matt continues to operate at the nexus of technology, intelligence, risk, and security — advising organisations on how to navigate complex threats, harness intelligence, and build operational resilience. He is widely recognised for his authenticity, leadership under pressure, and deep understanding of how modern threats and investigations evolve in the digital age.