• Led team of decision scientists managing portfolios including Tokenization, In-Store, and In-App payments, mitigating buyer-side loss exposure and optimizing decline rates.• Partnered closely with product, engineering, data science, and sales engineering teams to launch new products including QRC payments and virtual debit cards.• Designed and launched tools to enforce risk integration policies. These tools enable sales engineers and account managers to gather requirements and test integrations for both front- and back-book merchants.• Led product policy certification workstreams for the launch of an internal blockchain-based employee recognition program, which was the PayPal’s first blockchain product.• Two patents issued and three pending related to payments and authentication

• Led the integration of Venmo with PayPal Risk for the Pay with Venmo product launch. Created a new risk evaluation service with product and data science teams.• Launched PayFast, an open-loop tokenization product, creating the risk adjudication framework for PayPal as an issuer. Managed losses and declines for the portfolio.• Managed PayPal Digital Gift Card stores; fraud trends are often first observed here before migrating to the rest of PayPal. Reduced losses by 91% while improving approvals by 28%.• Created and disseminated PayPal’s first Global Risk Integration Policy. This policy specifies risk capabilities and data requirements for all new PayPal merchant integrations.

• Developed risk adjudication framework for new Mobile SDK, partnering with sales engineers to launch the pilot merchant, Uber.• Created integration and data sharing guidelines for partnerships with social networks and device manufacturers.• Served as the Consumer Risk department representative to Product Policy Council, collaborating with Compliance and Legal to review new product launches.

• Launched new product for instant ACH transactions without a backup funding source. Achieved loss rate targets for $1B+ portfolio while reducing decline rate each quarter.• Piloted initiatives to improve first transaction: bank confirmation using ID verification as proxy; Bank Health Check which lowered losses on initial transactions by 38%.• Created policy for call center to override declines for a better customer experience.

• Wrote a business plan for the planned launch of a line of foodservice equipment for a greentech startup.• Performed market sizing and customer interviews.• Identified potential partners to engage in strategic alliances.

FischerJordan is a boutique consulting firm specializing in the financial services industry.• Managed an engagement to develop marketing strategy for a loyalty program; created profitability model for the program from historical data, using SQL and SAS. • Created customer segmentation for a debt collection agency by mining historical behavior, which improved dialer strategy and increased yield on debt portfolios.

• Reengineered $200 MM+ in bottom-line benefits for a credit card loyalty program through increasing customer engagement and reducing cost; identified and sized opportunities by mining transaction data with SAS / SQL; built financial models in Excel. • Created revenue projection models for a debt collection agency, contributing to a 6% restatement of projected revenues.