Patrick Gonon Email & Phone Number

San Juan, Pr, Usa, Us

Lead compliance and risk practice serving issuers, acquirers, merchants, fintechs and regulators.Serve as multi-year independent assessor of compliance by a major global acquirer to the terms of its 2020 agreement with a US regulator to exercise stronger oversight of its third-party agents. Develop customized evaluation framework and testing methodology and oversee assessment team.Direct and mentor compliance audit group conducting acquirer reviews (GARS standard) and third-party merchant audits as well as fraud prevention specialists solving critical merchant and issuer fraud challenges.

Miami, Fl, Us

Lead strategy and execution consulting practice facilitating companies and financial institutions in their digital payments evolution. It Pays Group partners with clients to improve their product design, reduce risks and strengthen compliance in digital commerce.Strategy services include: program and product evolution, business and opportunity evaluation, market entry planning, business cases and roadmaps.Compliance services include: prepaid issuer risk assessments, acquirer risk reviews, third party merchant audits (chargebacks and AML). 20 compliance reviews in 3 years.

Purchase, Ny, Us

Head of Digital Products for Latin America & the Caribbean. Led introduction of emerging payment products and services into the region with end-to-end business responsibility from product inception to execution (value proposition, roadmap, customization, organization and market readiness, go-to-market and sales strategy.• Consumer Alerts, Controls, Virtual Card Numbers (InControl) – Introduced new core benefit for consumer cards – delivered by app and web – after championing major shift in business model. Initiative achieved highest consumer-enrolled penetration to-date for the global platform• Digital Wallet (MasterPass) – Headed effort to adapt the product for the region’s largest market and led team that achieved the highest pre-launch commitment by level of committed merchant and issuer participants• Commerce Gateway and Fraud Services (DataCash) – Spearheaded implementation of comprehensive services deal with Top 3 acquirer in region including development of custom features and support for local payment brands• eCommerce – Created data-driven strategies to increase market share in eCommerce through targeted issuer, merchant, shipping, partnership and marketing initiatives, supported by roadmap to improve the effectiveness and use of 3-D Secure authentication (SecureCode)• Contactless (PayPass) Oversaw the build out of large-scale contactless projects across three major markets. Today Brazil is the second largest contactless payment network in the world

Coral Gables, Florida, Us

Led banking industry consulting engagements to financial institutions in Latin America and the Caribbean in three areas: Digital, Technology/Operations and Issuer/Acquirer programs. Digital/Emerging Payments strategy and execution projects including eCommerce, mobile payments, EMV, prepaid and ACH:• Developed an omnichannel digital strategy, sourced solutions and facilitated implementation of internet and mobile banking suite designed to deliver great user experiences, giving client bank an advantage over rivals• Built EMV introduction and migration programs (debit, credit, ATM, POS), leading a client to become one of the first in the region to fully implement EMV across all products and acquiring channels (POS and ATM)• The Banker (Financial Times) awarded one client “Bank of the Year”, specifically citing three personally-led technical innovations: EMV, internet banking and mobile appTechnology and Operations:• Led credit, debit and acquiring procurements for in-house and outsourced processing solutions: switch, card processing, merchant services, POS, mobile banking, e-Commerce gateway, fraud monitoring, chargeback processing. Client investments over $70M. Re-engaged following most RFP projects to support specifications, project/vendor management and provide expert advice• Conducted operational reviews and process re-engineering for card acquisition and processing/operations; client savings over $75M• Developed new merchant solutions helping domestic acquirer to effectively compete with multinationalsIssuing and Acquiring programs (new and optimization):• Built and launched credit, debit, prepaid, EMV, mobile, eCommerce initiatives, designed to yield over $200M (5 year NPV) in client net profits. Prepared detailed studies, market surveys, go-to-market plans, financial models, business cases and product requirements working with leading industry vendors and payment brands (Visa, MasterCard, American Express and Discover)

Provided Spanish market entry strategy, business development advice and initial commercial presence to leading multinational payments vendors including: POS terminal manufacturer, card processor, network systems provider, ATM development and testing tools supplier.

Reston, Virginia, Us

Broke a POS network services monopoly in Spain, establishing a competitive network business, signing commercial deals with banking network, mobile top-up and credit card processor clients.Previous position at TNS: - Managing Director, Japan. Set up first company operations in Asia and led network deployment.

London, Gb

Expanded the region from 2 to 7 clients, directing sales and operations for lottery systems, networks, terminals, software and services (Belgium, Netherlands, Spain, Portugal, Turkey, No. Africa). Previous positions in Operations and Project Management (Asia, Europe, Americas).