Arnold G. Email & Phone Number

San Francisco, California, Us

• Directed the transition to a federally chartered bank processing payments directly with the Federal Reserve, Visa, and MasterCard• Proposed and implemented new payment methods as the subject matter expert for FedNow, same-day ACH, and real-time payments• Created an integrated payments strategy consolidating common processes across business units for multiple payment methods including ACH, wire, checks, credit cards, and Zelle

Seattle, Wa, Us

• Directed a team of product managers, data scientists, and engineers maximizing customer payments conversion while reducing friction for millions of customers• Led customer payments personalization strategy, roadmap creation, and technical design. Conceptualized and applied machine learning-based applications to optimize customer payments• Responsible for improving card payment experiences across web, mobile, and offline channels• Directed business intelligence team including data engineers and data analysts

Seattle, Wa, Us

Responsible for next-generation payments products creating a global best-in-class disbursement experience. Implemented new programs for real-time payments, virtual accounts, and wallets• Led global expansion of payments disbursements products with the goal of the goal of paying all vendors using any method at any time in any currency. • Conceptualized, implemented, and grew supplier-funded payments products improving cash flow for Amazon vendors while generating revenue for Amazon leveraging JPMC single-use accounts and Amex buyer-initiated payments.

Alpharetta, Ga, Us

ControlScan services protect 1,000,000+ customers and 150+ partnerships worldwide with enterprise-grade security tools and compliance services that keep them steps ahead of the cyber criminal. Retailers, restaurants, healthcare organizations and others rely on the cloud-based managed security services, threat management technologies, vulnerability detection, risk mitigation, end-point and mobile security testing, and consulting services for PCI DSS, HIPAA and EI3PA. Acquired in 2017.General manager with P&L responsibility for our ecommerce product line. Leads product management, strategic partnerships, go-to-market strategy, and operations teams for high-availability, white-label platforms used by major payment card networks and several top ten acquiring processors. Responsible for all aspects of product management, information security, marketing, and data protection.

Charlotte, North Carolina, Us

Led go-to-market, product strategy, profitability, and operations for multiple payment card product platforms including Payroll, Health Savings Account, Campus Card, Commercial, and Retail Gift Card. • Led partner relationships with Visa, MasterCard, First Data, FIS, Netspend, and Connect Your Care• Directed product and operations team handling a large increase in transaction volume while decreasing fraud and chargeback losses.• Created and implemented go-to-market strategy increasing fee revenue and spend volume • Increased health savings product revenue through the introduction of cross-selling and targeted segment strategies• Expert in digital fraud, card fraud, merchant fraud, and acquirer fraud, AML/BSA, KYC, identity and verification methodologies • Expert understanding of US financial institution regulatory requirements, including PCI DSS, Reg E, and Dodd-Frank

Chattanooga, Tennessee, Us

Stored-value card processor and program manager focusing on fuel, payroll, and rewards payment cards with over $2B in annual transactions. Developed strategies and procedures for product development, partner relationships, payments law, BSA/AML/OFAC compliance, fraud prevention, PCI, and chargeback resolution.

Financial services company targeting the international money transfer market. Recruited by the CEO to direct operations and product teams for the acquiring and issuing payment card business lines. Managed Visa and partner bank relationships. Responsible for all matters concerning fraud, PCI, and AML compliance as well as the customer service call center. Expertise in data analysis, pattern recognition, and statistical modelling.• Directed product strategy for the core branded prepaid debit card product including ACH, SWIFT, card-based, and cash systems for domestic and international programs• Designed state of the art analytical tools and advanced intelligence systems used to validate customer identity and detect fraudulent card-not-present transactions in real-time• Managed operations and fraud teams introducing Lean-based processes reducing transactional errors by 35%• Directed payments strategy for the core branded prepaid debit card product including ACH, SWIFT, card-based, and cash systems for domestic and international programs• Maximized revenue while developing risk assessment and collections processes reducing total chargeback losses below 0.3% of revenue while transaction volume increased XX%

Us

Schenectady, Ny, Us

B.S., Computer Science

Mba, It Concentration