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. • Integral in preparing the company for its 2012 IPO through ensuring auditor sign-off of risk mitigation, revenue reporting, and internal controls were buttoned-up.

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