● Provided strategic consultancy services to South American and Southeast Asian banks and payment systems, facilitating their international expansion and market entry strategies.● Led cross-functional product management teams across diverse product lines and geographies, driving the creation and implementation of cross-border acquiring platforms, e-wallets, and money remittance systems, resulting in increased market reach and revenue streams.● Held executive positions, including Vice President of Product (Payments) at Go-Jek (now Grab) and Head of Issuing and Acquiring at SafraPay/SafraBank, overseeing strategic product development initiatives and market launches, and as Chief Risk Officer for Pockyt, a High-risk international merchant processing and crypto remittance company.

● Established and cultivated a high-performing payments team, overseeing risk, underwriting, and compliance departments, fostering a collaborative environment for innovation and excellence.● Led a team of developers and product managers in successfully creating and launching a Payfac in direct partnership with Chase Paymentech, contributing to enhanced payment processing capabilities and market presence.● Spearheaded a remarkable 327% increase in processing platform volume within three years, concurrently achieving a notable 60% reduction in fraud and a substantial 45% decrease in non-interchange processing costs.● Conceptualized, developed, and launched pioneering prepaid debit card and loan programs for merchants, facilitating expanded financial services offerings and revenue streams.● Expanded payment operations footprint to encompass seven countries, strategically positioning the organization for global growth and market penetration.

• Led cross-functional teams to pioneer a private-label mobile banking solution for non-financial institutions, enhancing financial services accessibility.• Collaborated with UI/UX designers, product managers, developers, and architects to create seamless customer experiences.• Instrumental in empowering companies like T-Mobile to offer mobile banking services, driving customer engagement and loyalty.

• Spearheaded the expansion of regional payment solutions, diversifying product offerings to include international remittance, mobile wallets, and cross-border bill payments, broadening market reach and revenue streams.• Directed the augmentation of the I.T. Development team, establishing development and support centers in India and the Philippines, enhancing operational efficiency and scalability.• Pioneered the development of a regional payment switch linking five Middle Eastern countries, facilitating seamless cross-border payment processing solutions for merchants and acquirers, driving market competitiveness and customer satisfaction.

• Led product design efforts for UX/UI enhancements in creating the Verizon Mobile Wallet, optimizing customer experiences.• Coordinated the implementation of the new Verizon Payment Gateway, ensuring seamless integration with multiple technology and financial vendors.• Acted as the primary architect and project manager for the Verizon Mobile Wallet, overseeing the creation of a cutting-edge payment system.

• Led architecture and innovation for the Chase Pay Wallet, defining product features and driving revenue growth.• Developed a new Loyalty and Offers engine for personalized incentives and rewards programs.• Acted as the internal technical expert for payments in JP Morgan Chase's Digital Group.

• Orchestrated new gateway acquisitions and engagements for companies like Bank of America and Delta Airlines.• Led project management teams for domestic and international development, ensuring innovative solutions.• Managed international payment gateways and teams in Dublin, Barcelona, Montreal, and Hong Kong.

As a Consultant, I designed a prototype front-end architecture for MoneyGram’s proposed new in-store solutions. The solution design implemented additional functionality for agents and consumers and provided a streamlined mobile component for users.

• Participated in development of the MCX mobile payment solution for the U.S. market. The solution is intended to compete against Visa and MasterCard and is created with input of many of the world’s largest retailers, including Wal-Mart, Target and Shell Oil.• Finalized the POS API, and Settlement specifications and negotiated with large payment processors and vendors to enable a streamlined solution. • Developed a mobile fuel solution utilizing a mix of Agile and Waterfall methodologies

• Developed retail POS solutions for major merchants like Home Depot and Toys R Us, integrating payments, loyalty programs, and mobile marketing.• Presented innovative payment solutions to Fortune 500 retail company CEOs, driving adoption and revenue growth.• Managed a $12 million development budget, leading a team of Sales Engineers, System Architects, and Developers.

• Assisted with development of the iPhone CC Terminal Application and the iSwipe iPhone Payment Application sales channel and marketing program. These applications were among the first to enable merchants to accept credit cards directly from smart phones and included versions for IOS, Android and Windows Mobile platforms.• The AppNinja mobile payment application is certified with more than 24 of the largest payment gateways and front end processors in the world and has been private labeled by both large and small acquiring organizations. • Developed 197 new merchant account referral partners in 19 months. These partners ranged from POS companies, app developers, web development and hosting companies to traditional ISOs and agents. • Gained extensive knowledge and experience in international payment markets including Canada, UK, Europe and Asia.• Managed development budget and defined the project roadmap for the first generation of mobile smart phone processing. https://www.youtube.com/watch?v=819bjev4L2Y

• Developed the Integrated Payment Systems Channel for Cynergy Data and grew the group from 1 person to 15 employees in one year, while at the same time growing processing volume by $523,000,000 annually. • Oversaw PCI DSS and PA-DSS certifications for both Cynergy Data and its technology partners.• Developed mutually profitable business partnerships with point of sale, ISO’s, web development, technology Payment Gateways, and referral partners.• Oversaw the integration and Architectural design of numerous technology partners with the Cynergy Data LUCY Gateway.• Consulted with technology partners on security, integration options, and developing value added services to their systems.• Managed a $7 million dollar budget that included sales, sales support, developers, relationship managers, and integration specialists. Helped develop the product roadmap for the payment gateway used by over 10,000 merchants across America..

Started and grew company from a home-based consulting business to a twelve- person software company. Developed a cross platform Enterprise Level payment software engine now used by more than 2,600 businessesManaged every major aspect of the company from P&L and benefits to development and marketingSold MCG in 2005, Sold ION in 2007

Led the sales team and continued to grow the PC Charge installation base to over 100,000 installations. Negotiated software, integration, and support contracts with government entities, POS Developers, and Fortune 500 companies. Go Software was eventually acquired by Verifone.