Michael Lawrence, Mpa, Pmp, Cspo Email & Phone Number

Atlanta, Georgia, United States

Atlanta, Georgia, Us

Fleetcor is a leading Global Business Payments Company. We simplify the way businesses manage and pay their expenses. Our portfolio of brands helps companies automate, secure, digitize, and control payments to, or on behalf of, their employees and suppliers. We serve businesses, merchants, and partners in North America, Latin America, Europe, and Australasia.

New York, New York, Us

Represented vision, business intent, and product roadmaps for key stakeholders, including the Chief Credit Officer, SVP of Merchant Portfolio Management, SVP of Consumer Fraud/Risk and SVP of Product.➲ Executed digital audit of targeted business functions such as application submit, decision processing, mobile activation and account registration, and transaction processing, resulting in a data-driven foundation for roadmap decision making➲ Implemented a new customer activation strategy, relocating identify authentication and account activation from the corporate app to the consumers’ personal device, improving customer control➲ Released a new conditional access feature for registered mobile app users, reducing complaints from merchants regarding unauthorized access and reducing OPS Fraud Referrals based on applications and accounts disputed by merchants➲ Created Tableau visualizations for executive report dashboards and real time monitoring of critical project KPIs that drove go-to-market decisions and kept stakeholders appraised of progress➲ Coordinated product marketing plan and go-to-market materials including merchant correspondence, user instructions, and training video➲ Conducted market research on customer behavior, preferences and pain points and improved user satisfaction by boosting Net Promoter Score (NPS) 26.3%, from a score of 57 to 72➲ Reduced account activation time for primary applicants from 7 min 30 sec to 1 min 28 sec. Account activations after 24hrs dropped from more than 8% to 4.76%➲ Boosted overall program account conversion rate from 90.63% to 93.76% within the offer purchase window➲ Minimized lending liability exposure by implementing a variety of identity authentication methods and treatments tailored to support consumers’ interactions, including but not limited to: OTP, two-way SMS, third-party KYC/OOW-questions and ID/selfie validation➲ Reduced consumer inbound-calls for agent-assisted activations or rebooks from >5% to 3.73%

Atlanta, Georgia, Us

GreenSky, a Goldman Sachs company, provides a FinTech mobile application and back-office solution that General Contractor Merchants use to offer low-interest, point-of-purchase consumer loans (Buy Now, Pay Later – BNPL) with competitive rates and terms compared to other market financing options. The GreenSky platform services over 18K merchants and more than 3.2MM consumers with more than $24BN in funded loans. Successfully led a dedicated, agile development team of 2 Product Owners, a Technical Lead, QA-Analyst and Scrum Master in developing GreenSky’s Consumer Credit, Business Credit and Fraud/Risk Management decision engine and platform.➲ Ensured acceptance criteria accurately depicted core business intent through authoring epics and features➲ Managed API integrations between the core decision platform (GDSLink) and industry leading credit bureaus and fraud prevention services, including Experian, TransUnion, LexisNexis, Iovation, Emailage, Ekata and Intellicheck➲ Trained Sales Team for product adoption and issue resolution support; Trained OPS➲ Coordinated mobile app version release and verified user account registrations for over 60K user accounts across 18K merchants with 0 service interruptions

Atlanta, Ga, Us

With close to 30 years of global experience in the FinTech industry and leveraging deep integrations into retailers’ point-of-sale systems, InComm provides connectivity to a variety of service providers that allow consumers to conduct everyday business at more than 450,000 points of retail distribution worldwide, including brick and mortar stores, online and mobile applications. Whether activating prepaid products, fulfilling B2B or B2C orders, processing bill pay, enjoying real-time discounts for redemption activity, purchasing digital goods or adding funds to an online account, InComm provides unique products, caters to on-the-go shoppers, delivers added value through loyalty programs and services cash-based consumers. ➲ Managed team of four (4) platform-product owners supporting product features across multiple platforms for virtual and physical fulfillment of B2B and B2C open loop products (VISA, American Express, MasterCard and Discover), including single load/single use and General Purpose Reloadable (GPR) products➲ Managed the roadmap and feature backlog for host platform enhancements, API development, data warehouse feeds, proactive risk management and fraud applications, partner and vendor integrations, customer facing website/IVR development and internal customer service support applications➲ Implemented operational intake processes for stakeholder requests and Agile processes for backlog grooming with cross-functional teams consisting of product managers, analysts and engineers➲ Designed and implemented a secure, ‘virtual wrap’ solution to exchange digital products sold online for physical products available in retail stores

Atlanta, Ga, Us

➲ Recruited by Financial Services (FS) IT to lead a team of 10 Project Managers, Business and System Analysts and Release Managers to facilitate business and technical requirements, resource estimates, system design and functional requirements to satisfy business needs for FS products and platforms➲ Improved stakeholder expectations and satisfaction by helping to implement a reliable release schedule while facilitating a shift to Agile development methodologies and best practices➲ Designed and implemented a mobile scan virtual barcode solution for account activations and reloads that is currently responsible for more than 133,000 individual transactions and more than $20.5 million in loaded funds since January 2018 (approximately $153.46/load)➲ unused loyalty and incentive funds and is currently responsible for more than 1.5 million individual transactions representing more than $213 million in loaded funds since January 2017 (approximately $146.25/load)

Atlanta, Ga, Us

➲ Designed and implemented an electronically delivered B2B and B2C open loop product (Digital Delivery) that is responsible for more than 360,000 individual transactions representing more than $35.5 million in loaded funds since January 2016 (approximately $99.06/load)➲ Implemented VISA ‘Tokenization’ for open loop, NFC transaction processing using a mobile device at POS➲ Designed and implemented automation for reconciliation processes supporting negative balance adjustments to prepaid, open loop accounts➲ Designed and implemented a loyalty and reward solution where InComm retail merchants may distribute one-time use promotion codes to qualified customers who may redeem those codes for single use, prepaid fuel cards➲ Designed and implemented an internal Quality Assurance tool that automates validation of card production quality by verifying data encoded on physical card magnetic stripes against both the card details in the host database and the details embossed on the physical card, exponentially reducing the risks and costs associated with human error while improving validation timelines from several days to a few minutes

Atlanta, Ga, Us

➲ Recruited by the InComm business product team to spearhead enhancement of InComm’s digital delivery channel and manage InComm’s expanding B2B fulfillment business➲ Facilitated the direct integration between InComm and its acquisition of Giftango, LLC, creating the largest distribution outlet for digital B2C/B2B products in the world at that time➲ Facilitated the direct integration between InComm’s B2B fulfillment platform with American Express prepay, adding a new fulfillment partner and new open loop product option available to InComm’s B2B catalog➲ Responsible for InComm’s group gifting ecommerce website that allowed users to create, customize and electronically send prepaid gifts, as well as invite others to contribute to the value of the gift; Improved sales 58% from 2012-2013 with the addition of five (5) new partners and launched a companion content management application to reduce manual processes➲ Responsible for direct integration between Facebook and InComm to support social/digital gifting, resulting in more than $11 million in loaded funds from 2012-2014

Atlanta, Ga, Us

➲ Responsible for oversight of all team processes and procedures and all Project Management initiatives supporting new and/or existing partner integrations, including 23 team members made up of BAs, PMs and software engineers➲ Responsible for new and/or existing Merchant integrations and prepaid product launch configurations, including but not limited to: 3rd Party Financial Services, wireless, closed loop Gift Card and gaming/software prepaid products➲ Successfully facilitated and delivered more than 1,200 individual brand partner integrations or product configuration initiatives in support of all Merchant/Vendor product launch projects between Aug. 2010 and Nov. 2011➲ Scope of implementations included, but were not limited to: Apple, Microsoft, SVS, First Data, Paymentech, Chockstone, Givex, Federated, Fifth Third Processing Solutions, Green Dot GPR, Netspend GPR, nFinanse-Discover and American Express single load gift cards

Atlanta, Ga, Us

➲ Management of day-day operations for InComm’s original open loop, prepaid gift card platform, including support for GPR and single use products, oversight of the host platform, the host DB, network transaction processing, data generation, card production and fulfillment, customer websites, IVR and support for customer service and fraud team initiatives

Atlanta, Ga, Us

➲ Responsible for new and/or existing brand partner integrations and prepaid product launch initiatives, including 1st and 3rd party financial services and gaming/software prepaid products

Atlanta, Ga, Us

➲ Responsible for creating and maintaining project plans, managing cross-functional teams of BAs, Engineers and QA, facilitating change management review and approvals for wireless product initiatives and customer website and IVR applications

Master'S Degree, Public Administration

Bachelor'S Degree, Political Science And Government