Michael Toy Email & Phone Number

California, United States

Foster City, California, Us

Manage North America Commercial Operations team partnering with senior leaders and Execs across 8 different sales channels on two platforms (Cybersource and Authorize.Net) to drive strategy and operations for North America.• Act as strategic partner and thought leader to Sales by identify growth opportunities, developing framework to deal with risks to the business, and operationalizing strategic initiatives for their respective channels.• Own annual and half year planning for North America across two platforms partnering with Sales leadership on creation of models for forecast, goal setting, quota development, and territory carves.• Operationalized major sales transformation and partnered with cross functional teams to rollout new dashboards/policies/processes to support the change.• Program manage development and rollout of new processes and frameworks to automate tools/reporting, drive consistency and streamline the sales motion across channels including: simplifying the goal setting process, rollout of forecast processes to gain better insights into the business, and developing Exec reporting• Act as the voice of North America Sales amongst global counterparts to influence global policies/operations and drive alignment.

Foster City, California, Us

Director – North America Sales & Commercial Operations (Cybersource) 2019 - 2020Lead Cybersource Commercial Operations for North America partnering with senior leaders and Execs across 3 different sales channels to drive strategic planning, influence key decisions, and identify and streamline operations.• Drive strategy through insights and recommendations to the Sales team on risks, opportunities, and business direction for North America.• Improve operational effectiveness through analytics including developing model to stack rank 3k+ partners to identify high potential partners based on qualitative and quantitative inputs.• Developed scenario based annual operating plan to account for series of outcomes based on COVID impact to the North America market. The final output was scenario level targets to deal with the uncertainty around Covid-19 around specific sectors.

Foster City, California, Us

Responsible for internal data/analytics across CyberSource with expanded role supporting key initiatives in a Business Operations capacity. Experiences include:- Led multiple data initiatives and analysis around segmentation, market share, and benchmarking- Used background in data/analytics to drive operational and migration plans for key initiatives. Examples include building client segmentation plans for marketing out reach and merchant migrations. - Created and automated scorecards for executives that track health of business and key business trends- Developed framework for client facing analytics/dashboards to provide insights on general trends, benchmarking, and authorization optimizationSent to Singapore on a 6 week program to support CyberSource's largest regional customer summit and provide general help to the Marketing and Sales Operations team out there. Specific activities include:- Created content for merchant and partner breakout sessions that provided a more intimate setting for over 100 participants to explore the payments ecosystem and how that affects the customer journey- Led 61 participants in the merchant breakout session and the debrief afterwards that provided deeper insights and thought leadership about payments and the customer journey- Worked with agencies to develop content and marketing collateral around CyberSource's annual fraud survey

Foster City, California, Us

Brought in to establish the internal reporting and analytics function under the product organization. As an SME, main responsibilities include executive level reporting, advancing the overall analytic and data program and driving critical insights for various groups.• Developed KPI dashboards in Tableau to streamline reporting and provide key functions with access to critical data to drive business decisions.• Supported all functional groups including Product, Sales, Marketing, Finance, etc. from an analytic standpoint, providing detailed analysis to drive their goals.• Managed summer intern who built the first rendition of an early warning system for merchant attrition.• Partnered with data scientists to develop more impactful insight into the organization and industry.• Reduced business costs by architecting database infrastructure and process (ETL through Export) to generate third party invoices and reports on a monthly basis.• Trained groups on Cybersource data to provide the knowledge to better understand the complexities of the data and the business.

Foster City, California, Us

The Merchant Sales and Solutions group at Visa provides services to merchants to monetize and capitalize on digital payments for digital goods. We consult with our merchants to fuel growth in traditional payments methods such as credit card and PayPal, as well as the growing alternative payments space. In addition to this, we also help merchants mitigate the risk of fraud while providing insight on consumer payment patterns.• Built modular based rating system with ability to calculate merchant fees, costs, and overall net profit of a transaction• Consulted with merchants looking to expand into global markets on opportunities and risk with alternative payments such as Bank Transfer, Mobile, Prepaid, etc.• Created Microsoft Access reporting to identify high risk merchants above a certain fraud threshold• Developed analaytic snapshots for merchants to identify current payment and fraud trends• Spearhead efforts to validate and improve internal transaction monitoring reportsAchievements:• Achieved a 60% reduction in a merchant’s fraud rate over three months by creating an Excel tool to test new rules and analyze impact to merchant’s fraud rate based on historical trends• Increased a merchant’s revenue 25% over two months by analyzing payment trends to reduce payment declines for low fraud risk users

Foster City, California, Us

• Provided analytical support to business units to understand account variances and charges to budget• Developed cross functional strategies to rectify problem accounts and mitigate financial loss• Built and leveraged relationships with vendors to adopt Visa’s product as preferred method of payment• Trained vendors and internal employees in the payments systems, operations and policies• Developed Excel based tools that allow vendors to reconcile mismanaged accounts in accordance with Visa’s accounts

Foster City, California, Us

• Created Excel reports that broke down large data sets for business units to understand account variances• Influenced business units and vendors to adopt best practice solutions• Collaborated with vendors and business units to create solutions to streamline payments process• Created strategies through data analysis in Excel to resolve discrepancies in payment data• Managed payments process to ensure high level of service commitment

• Conducted logistical and market research for potential clients.• Designed strategy and market outlook to expand and penetrate new markets for existing product line• Managed and reconciled client and vendor accounts.• Collaborated with CEO to formulate a client business proposal for major shoe company to relocate and improve manufacturing capacities.

Bachelor Of Arts (Ba), Business Administration - Accounting; International Studies

Study Abroad, Business

Study Abroad, Chinese