Michael Gulliver Email & Phone Number

Melbourne, Australia

The Global Payments Manager for Webjet Limited and it's fully owned subsidiaries Webjet, Australia and NZ's leading OTA, GoSee NZ based B2C company specialising in Car Hire and Motorhome rental and WebBeds the World's no2. Bedbank. In my role, in close co-ordination with the Finance teams worldwide, I am responsible for managing all aspects of payment and banking related needs of the group. This extends from lending relationships, cash management and treasury, payment partners, payment gateways, acquiring, payment methods, PCI, new developments in payment technology and supporting product line and geographic expansion.

Melbourne, Australia

Since my return to Australia early in 2010 after nearly 10 years in The Netherlands I have been working on short term project / consultancy basis for a number of different companies in addition to my regular work with Webjet: • My first assignment was on behalf of a major European based Payment gateway who were considering entering the Australian market. For them I completed a market research paper reporting on the Australian e-commerce, card acquiring and Internet gateway industries. • I have done a number of projects for NAB, working for Evolution Payment Services, a new white label acquiring initiative where my task their primarily involved identifying risks to the business and their treatment strategies. I have also done a review of the Management of Pre-payment exposure risk treatment within the bank and the structure and operation of their merchant approval business unit. • Pebble Payments – a niche card consulting business headed by Dominic White formerly head of acquiring at the Commonwealth, ANZ and NAB. - Worldpay - Representing Worldpay e-com in Australia- Pure Commerce - now part of Euronet I have been extensively involved with the setting up of an acquiring DCC partnership with the Bank of Guam in Guam

Amsterdam Area, Netherlands

See First Data role for details

Amsterdam Area, Netherlands

Regional Credit & Risk DirectorI commenced work as the Senior Credit and Risk Manager for EMS card and was subsequently promoted to the role of Regional Credit & Risk Director remaining responsible for EMS and adding Allied Irish Bank in Ireland and for a short period of time Polcard in Poland to my responsibilities. • The primary purpose of my job was to manage risk exposure, minimize business losses and ensure P&L stability consistent with support of the individual business and broader FD Int’l business growth goals. • Act as the Senior Credit Officer across multiple alliances responsible for all Credit & Risk processes and operations within the confines of the agreed FD Credit Policies. • Emphasis was placed on liaising with the respective country General Managers, Sales teams, Joint Venture partners, Sales partners and Merchants to assist with the development, expansion and risk avoidance activities of multiple alliances in the EMEA region

Ireland

See First Data role for detail

Amsterdam Area, Netherlands

• Responsible for the first line suppliers that made up the network of payment methods that GlobalCollet support such as Allied Irish Bank, Bank of Ireland, Commonwealth Bank, Fortis, Wells Fargo, BNP, West LB and Barclays on the supplier side. • Responsible for management of all card scheme issues and associations including Visa, MasterCard, Amex, JCB and Diners. • Negotiated and Implemented new agreements for credit card processing, Bank of Ireland, Credit Mutuel, Wells Fargo, Bank of Bermuda in addition to maintenance of existing relationships • Represented Global Collect at the U.S. based Electronic Transaction Association (ETA) • Successful Implementation of the PCI (payment card industry) security standard• Significant exposure to a large variety of payment methods in the countries in which Global Collect operate. • Responsible for all contract negotiations with banks and customers with particular attention to larger merchants such as Microsoft, Reuters, Vivendi Universal, Elsevier, Sony and Hewlett Packard on the merchant side • Implemented enhanced Fraud Prevention & Detection Strategy including Aristion transaction monitoring tool. (MasterCard tool)• Responsible for the design and implementation of all merchant acceptance procedures and KYC guidelines.

Visa Certificate In Bank Card Management

Bachelor Of Busines, Business Admin & International Marketing

Bachelor of Business Majoring in Business Administration and International Marketing

Higher School Certificate