Brian Cullen Email & Phone Number

San Mateo, California, US

• Sought after conference speaker and contributor to industry panels and round tables related to all things related to managing risk and increasing authorization rates.
• Managed PSN’s adoption of PINless network processing, providing a $100 million+ benefit in authorization lift, fee savings, and chargeback reduction.
• At the forefront of calling out inconsistencies in card networks’ treatment of payment risk and instrumental in proposing solutions.
• Spearheaded the effort to communicate directly with other players in the payments ecosystem, leading to direct data sharing with issuers, leading to a multi-million dollar benefit in acceptance lift.
• Managed the mitigation of global fraud issues and the crafting of remediation reports of a quality that resulted in the waiving or suspensions in millions of dollars in potential compliance assessments.

San Mateo, California, US

• Developed company strategy in identifying and mitigating all risk affecting fraud authorization rates at the top of the CNP transaction funnel.
• Established 10+ dashboards to track all aspects of risk and understand where problem areas existed and how effectively the Global Payments, Fraud, and Decision Science team was in extinguishing them.
• Member of several industry committees and round tables addressing First Party Misuse, card network fees and risk programs, and overall best practices regarding risk among other topics.
• Led the effort to bring all chargeback representment in-house, saving millions in annual fees to vendors.
• Initiated the integration with dispute deflection products offered by Verifi and Ethoca.

San Mateo, California, US

• Developed internal capabilities to mitigate an unprecedented rise in first party misuse and malicious fraud within the digital goods vertical.
• Leveraged payments data previously not utilized for tracking and anticipating increasing fraud levels.
• Coordinated communication within the gaming community leading to the adoption of a more standardized approach to addressing malicious fraud.

San Mateo, California, US

• Hired and trained a team of fraud analysts to address the various signatures of fraud in the card-not-present space.
• Built out Tracking mechanisms and alerts for unusual spikes in fraud levels.
• Managed onboarding and communications with third party partners and solutions.

West Hartford, CT, US

• Worked within a team of debt rating experts, well-known film industry veterans, and film historians to develop a methodology to value and securitize box office revenues.
• The Journal of Structured Financed published my co-authored piece on the proposed practice in May 2012.

Plano, TX, US

• Managed global payments and risk for $3 billion in gross credit, debit, and alternative payment method volume.
• Guided the platform integration of 16 corporate acquisitions using an array of different processors and acquirers over a 12-month period.
• Evaluated and oversaw relationships with third party solutions.
• Managed card network communications, payments-related P&L items, and the chargeback representment team.
• Worked with engineering teams across the world to centralize transactional data management to ensure enhanced data-driven decision making.
• Initiated the migration from 100% cross-border settlements to establishing local entities where possible and merchant of record relationships when necessary.

Plano, TX, US

San Diego, California, US

• Benchmarked the bank’s investment portfolio to maintain appropriate holding classifications and acceptable duration risk.

• Advised clients seeking to monetize assets regarding best practices in the areas of warehouse lines of credit, credit evaluation, and tranche structure.

Las Vegas, NV, US

• Responsible for SEC reporting, introduced private lending functionality, and optimized use of the company’s idle cash to pick up $10-12 million annually in low-risk incremental profits.

Las Vegas, NV, US

• Managed warehouse lines of credit, structured publicly traded asset-backed notes, and directed a team of loan portfolio analysts.

Frankfurt Am Main, Hessen, DE

• Modeled risk, benchmarked the firm’s swap portfolio, and developed third-party relationship strategies for the trading desk.

New York, NY, US

• Responsible for modeling trades and maintaining accurate real-time risk for the firm’s multi-billion-dollar derivatives portfolio.

New York, NY, US

• Maintained securities inventory and managed risk for GSE trading desk.
• Responsible for inventory pricing, risk management, and submitting auction bids for GSE commercial paper.

New York, NY, US

• Managed asset-backed securities modeling for the firm.
• Wrote best practice manual and presented to analysts in London and Tokyo.

New York, NY, US

• Modeled new and existing asset-backed bonds to properly reflect valuation and risk.

Grand Rapids, MI, US

• Responsible for analyzing loan portfolio risk and recommending policy changes for six regional subsidiary banks.

Master Of Business Administration (M.B.A.), Finance

Bba, Finance