Justin Clark Email & Phone Number

Phoenix, Az, Us

New York, Us

Co-Founder, CTO and Consultant - Executive consulting with a primary focus on the paymentprocessing industry, FINTECH, payment practice startup, operations, channel development,and compliance.Key clients and projects:Directed and managed technical projects and operations, delivering critical insights and strategic recommendations.Conducted a comprehensive API competitive review for a leading payment processor, provided development and implementation strategies for an international remittance company, and outlined US market entry requirements for a Latin American mobile payments platform.Key services and responsibilities include:Business Advisory & Strategy: Delivered expert guidance on business operations, product development, and marketing strategies, significantly enhancing client business models and growth trajectories.Funding & Technical Services: Identified and secured funding sources while providing technical services, including software development and PCI compliance implementation, ensuring robust and secure financial operations.Payment Processing Expertise: Interfaced with payment processing providers, overseeing contracting and implementation processes to streamline payment systems and enhance operational efficiency.Open Banking & Real-Time Payments: Architected innovative solutions for Open Banking and Real-Time Payments, driving forward-thinking financial services that meet modern market demands.Payment Flow Optimization: Optimized payment flows to reduce friction and improve the customer payment experience, both in-store and online, leading to increased transaction efficiency and customer satisfaction.Vision & Strategy Enhancement: Contributed to the enhancement of departmental vision and strategies, aligning them with company goals and ensuring continuous improvement in quality and effectiveness of work.

San Clemente, Ca, Us

Provided expert PCI Compliance guidance and data security best practices, ensuring robust and secure payment operations.Conceptualized, developed, and delivered a next-generation payment processing strategy encompassing open banking principles, Visa+, EMV, ACH, RTP/FedNow, ATM, and E-Commerce solutions.Managed engineering, QA, and IT teams daily, successfully rolling out several large-scale projects, including a cashless solution for Six Flags.Led the implementation of new processing partners, overseeing partner relationships, contract negotiations, development, and launch.Architected, developed, and implemented a custom ISO 8583 messaging engine, enhancing transaction processing capabilities.Designed a next-generation enterprise payment processing platform, integrating terminals, ATMs, and cashless solutions.Developed and delivered a comprehensive suite of services enabling multi-endpoint merchant processing, driving operational efficiency and scalability.

Minneapolis, Minnesota, Us

Managed Acquiring and Platform TeamsDirected daily global operations of the Acquiring and Platform teams at Sezzle, overseeing all money movement and repayments for a 10-digit transaction volume.Successfully led the implementation of four new processing partners within a four-month period.Achieved a reduction in payment processing fees by over $1 million annually by implementing advanced retry logic, improving acceptance rates, and ensuring compliance with network rules.Developed and architected a next-generation enterprise payment processing platform, enhancing scalability and performance.Designed and implemented microservices for least-cost routing, STAN generation and tracking, and authorization optimization, driving operational efficiency and cost savings.

Santa Clara, California, Us

Director of Payment Processing and Technology TeamsDirected and managed three critical teams: Processors, Retailers, and ISVs, ensuring seamless coordination and collaboration. Oversaw the smooth operation of core payment processing, handling a transaction volume in the 9-digit range.Conceptualized, directed, built, and delivered a next-generation payment gateway platform, reducing complexity and enhancing developer efficiency.Led an initiative to transition from a monolithic architecture to a microservices based approach, leveraging CI/CD processes, new development workflows, and Kubernetes-based infrastructure.Regularly interfaced with C-Suite executives, VPs of Product, and project management, providing strategic insights and fostering effective communication.Designed and implemented microservices for least-cost routing, STAN generation and tracking, and authorization optimization, driving operational efficiency and cost savings.

Mesa, Az, Us

Co-Founder and CTO (OTCQB: SPDL)Unified commerce payment solutions, payment processing, and mobile marketing platforms.Acquired five companies into a public company, successfully exiting in 2016.Managed customer service, technology implementations, and in-house software development teams.Architected and led the development of a comprehensive Payment Facilitator platform, Customer Loyalty program, and Mobile Couponing system and brand (Yowza).Oversaw daily operations of production, staging, testing, and development environments.Designed and implemented Spindle’s cloud-based systems and applications.Led Spindle’s PCI-DSS and HIPAA compliance efforts, interfacing with auditors to ensure stringent security standards.Managed, implemented, and maintained Spindle’s cloud security initiatives.Key Accomplishments:Achieved PCI Service Provider Level 1 in Amazon Web Services’ Virtual Private Cloud in 2012, becoming the first company to reach this level of compliance on a public cloud provider.Featured in CBSLocal article “Phoenix IT Expert Offers Advice For Future IT Job Seekers.”Attested to PCI 3.1 standard in November 2015 with no compensating controls or mitigation plans.Featured in and contributed to AlertLogic’s case study on PCI compliance on AWS in November 2012.Implemented and assisted in testing AlienVault’s cutting-edge Unified Security Management platform for AWS.Participated in numerous AWS closed beta tests, providing valuable insights and feedback to the AWS team.

Phoenix, Arizona, Us

Managed the onboarding, configuration, trouble resolution, and sales engineering for over 1 million cashless vending devices, serving clients from major corporations like Pepsi to local operators.Developed, implemented, and led comprehensive client training programs for cashless vending, ensuring seamless adoption and operation.Interfaced with payment processing providers and partners to ensure timely fund transfers, correct payment rate qualifications, and effective merchant risk management.