1. Terrence John SKELTON
Personal Profile
An experienced investigator with 26 years’ experience within the Metropolitan Police Service
and Surrey Police. I have experience of all core aspects of investigation and risk management,
however, over the last 7 years I have specialised in fraud and related cyber and online
criminality where I am currently employed as a cyber-crime and financial fraud investigator
within the Metropolitan Police’s cyber-crime unit. I am an accredited financial investigator, and
have extensive experience of all aspects of fraud and money laundering investigation with a
good knowledge of the necessary legislation.
I have consistently demonstrated my ability to lead and conduct complex, serious
investigations from the initial receipt of allegations through to the court convictions and
subsequent forfeitures, which includes evidential case preparation, sensitive case
management, tactical and strategic planning and fast time decision making.
Throughout my posting I have built good industry relations and learnt the value of working in
partnership. I have a strong work ethic and high integrity.
Professional Skills/Qualifications
 Experienced Cyber Crime Investigator
 High value fraud investigator
 Qualified Financial Investigator (BTEC Diploma)
 Confiscation and Restraint qualified
 Understanding of banking KYC and KYB procedures
 Disclosure trained
 Anti Money Laundering trained
 Understanding of suspicious activity (SAR) reporting
 Research and analysis
 Commendations for Detective ability
Career history:
September 2007 to the present day.
Role – Senior Fraud/Cyber and financial investigator.
Responsible for conducting proactive investigations as a lead investigator, both in fraud and
Cyber related investigations, build case files, conduct interviews, conduct financial
investigations and complete any subsequent confiscation proceedings. Obtain witness
statements, liaise with outside agencies including other law enforcement agencies, which
includes the FBI, United States Secret Service, and European agencies, as well as companies
within the private sector, UK financial institutions, HMRC, Banks, Trading Standards, and
Insurance Companies. Identifying assets and other criminal property both within the UK and
abroad in order to satisfy confiscation.
Key achievements
 Conducted many complex investigations, both fraud and cyber related, resulting in the
successful prosecution of individuals. Identified, restrained and subsequently
confiscated items from convicted persons which included, residential properties, high
value vehicles, jewellery and cash.
 Conducting gap analysis in my area of expertise and identifying trends and
opportunities to enhance my capability and then building on those ideas in order to
help the unit.
 An originating member of the Police Central e-Crime Unit which evolved to become a
world lead in Cyber Crime investigation.

2.  Wrote all applications for all legal authorities which included International Letters of
Request.
July 2004 to September 2007 - Financial Investigator.
Financial Investigator within the Metropolitan Police Fraud Squad: which conducted financial
investigations into persons arrested and charged using available legislation to confiscation
proceedings. To identify and restrain criminal assets, both in the UK and abroad.
Key achievements
 Successfully implementing the new Proceeds of Crime legislation in conducting
investigations into the financial dealings of persons identified who are involved in
compromising the financial well-being of the UK, and the subsequent successful
convictions of the individuals concerned.
2001 to April 2004 - Detective Constable.
Borough detective investigating all crimes, both as investigating officer and assisting colleagues
within the team. Crime scene management and dealing with victims of all offences, including
statement taking and follow up care.
Key achievements.
 Being the investigating officer in a complex firearms offence which resulted in the
conviction at the Old Bailey of three individuals.
1998 to 2001 – Surrey Police - Detective Constable
Investigating officer for offences reported to the department. Burglary investigating officer.
Key achievements
 As the area detective investigating all burglary’s reported and being responsible for the
highest percentage of detections in the force.
1989 to 1998- Divisional Police Officer
As a response officer, attending all reported incidents, dealing with prisoners and attending
court and taking victim statements.
1983 to 1989 - Army – 2nd
Royal Tank Regiment
Based in Northern Germany and Northern Ireland, leaving in 1989 with exemplary service.
Personal – I currently live in Surrey with my daughter and have been with my current partner
for 9 years. A non-smoker with a clean driving licence.
Enjoys travel, golf, cricket, and I am in the process of obtaining my sailing qualifications and
a keen motorcyclist.