Denise M. Cwik Email & Phone Number

Partnering with executive management teams to improve the acceptance of payments throughout their business acceptance channels. Key services include but not limited to establishing best practices for reducing fraudulent and other types of service related chargeback's and retrievals. Provide in depth review of the total cost of acceptance (i.e. card brand interchange, assessment, association and processing fees, downgrades) and provide insight on how to reduce costs. Update on card brand… Show more Partnering with executive management teams to improve the acceptance of payments throughout their business acceptance channels. Key services include but not limited to establishing best practices for reducing fraudulent and other types of service related chargeback's and retrievals. Provide in depth review of the total cost of acceptance (i.e. card brand interchange, assessment, association and processing fees, downgrades) and provide insight on how to reduce costs. Update on card brand compliance rules and changes and impact to their costs. Show less

Tampa/St. Petersburg, Florida Area

Responsible for developing new business as well as managing mid to high profile T&E Hospitality portfolio with over $7M in annual net revenue, maintaining 0% compression and an average term of 3 to 5 years contract renewals and no attrition. Developed financial business reviews to assist in educating and providing clarity on cost of acceptance. Mentored and supported departmental support teams, encouraging personal growth and promotions. Key Contributions:•Secured new annual… Show more Responsible for developing new business as well as managing mid to high profile T&E Hospitality portfolio with over $7M in annual net revenue, maintaining 0% compression and an average term of 3 to 5 years contract renewals and no attrition. Developed financial business reviews to assist in educating and providing clarity on cost of acceptance. Mentored and supported departmental support teams, encouraging personal growth and promotions. Key Contributions:•Secured new annual revenue on an annual basis through cross-selling products and services to existing portfolio and signed new clients into portfolio while working with C-Level contacts (i.e. CFO, Director of Finance, CIO etc.)•Successful collaboration with internal and external teams to increase additional sales and revenue as well as Card Brand and Bank Regulations, Dynamic Currency Conversion (DCC Cross Border), Security, PCI Fraud tool and Closed Looped Gift Cards indoctrination.• Played a key role in coordinating conversion platform projects enabling portfolio to decrease their costs in interchange downgrades, PCI security costs, card brand compliance fees reduction in chargeback’s•Oversaw implementation projects related to on boarding products and services (i.e. acquiring, close loop gift card, account card updater, payroll distribution programs etc.)•Created presentations, campaign material & educational documentation which increased sales within our referral partner programs, client conferences, and company participation in variety of trade show events. Show less

Atlanta - Remote

Entrusted to manage restaurant, retail and eCommerce accounts, generating over $5B in annual Visa/MasterCard sales volume and $4M in top-line revenue. Tasked with selling prepaid gift card, ACH debit direct, pin-based debit, global bin base management, and eCommerce fraud tools.Key Contributions:•Named 2010 Colleague of the Year•Negotiated contracts, discount rate reviews, and pricing with C-Level contacts with no attrition and zero compression•Managed implementation… Show more Entrusted to manage restaurant, retail and eCommerce accounts, generating over $5B in annual Visa/MasterCard sales volume and $4M in top-line revenue. Tasked with selling prepaid gift card, ACH debit direct, pin-based debit, global bin base management, and eCommerce fraud tools.Key Contributions:•Named 2010 Colleague of the Year•Negotiated contracts, discount rate reviews, and pricing with C-Level contacts with no attrition and zero compression•Managed implementation projects related to on boarding services such as acquiring and prepaid gift card programs•Performed financial business reviews and present results to clients, mapping out total cost of acceptance and compliance card brand updates. Show less

Tampa/St. Petersburg, Florida Area

Responsible for managing mid to large national accounts within the Restaurant, Retail, Lodging and eCommerce segment generating over $5 billion in annual sales and $6 million in top line revenue. Tasked with selling prepaid gift card, ACH debit direct, pin-based debit, global bin base management, and eCommerce fraud tools. Key Contributions:•Prepared, recommended and implemented internal business plans to maximize portfolio contribution margin which collectively reduce approximately… Show more Responsible for managing mid to large national accounts within the Restaurant, Retail, Lodging and eCommerce segment generating over $5 billion in annual sales and $6 million in top line revenue. Tasked with selling prepaid gift card, ACH debit direct, pin-based debit, global bin base management, and eCommerce fraud tools. Key Contributions:•Prepared, recommended and implemented internal business plans to maximize portfolio contribution margin which collectively reduce approximately $4 million in annual costs and creating higher profit margins•Negotiated contracts, discount rate reviews, and pricing with C-Level contacts and had zero attrition and minimal compression•Managed implementation projects related to on boarding services such as acquiring and prepaid gift card programs•Performed financial business reviews and present results to clients, mapping out total cost of acceptance and compliance card brand updates. Show less