Responsibilities / Achievements:1. Managed the cards business development requirements of large / high-value merchants / corporate accounts with total annual portfolio value of PHP 5 Billion and with annual growth rate of 20%.2. Initiated strategic negotiations with merchants for merchant discount rates / merchant fees. 3. Developed programs to ensure customer loyalty such as POS Integration projects which involved integrating bank POS system with merchant POS to ensure seamless and fast transaction processing for operational efficiency.4. Facilitated installation of android POS units (Ingenico and Castles brands) capable of processing both Card Payments (Debit and Credit for Visa, MasterCard, Amex, JCB, China Union Pay and Diners) and Digital Payments / Digital Wallets (WeChat, AliPay, Grabpay and BDO Pay).5. Ensured immediate and efficient resolution of merchant concerns and inquiries within the prescribed prescribed turn around time for handling cases received (thru calls or emails).6. Initiated strategic partnerships / Preferred Acquiring arrangements with major merchant groups

1. Handled product development and management of card products for VISA, American Express and MasterCard catering to the A, B and Upper C socio-economic market segment.2. Developed new product ideas and promos, determined positioning and packaging of existing and new products for the VISA, Amex and MasterCard brands.3. Coordinated with third party service providers / ISVs for conceptualization and implementation of various marketing campaigns. 4. Launched various customer promos for VISA, MasterCard and American Express.-Visa Card usage Promo (Sept 2006)-Mastercard Titanium Travel Card product launch(August 2006)-Mastercard Titanium Travel Card Raffle Promo (Oct. 2006)-AMEX Usage and Rebate promo (Oct. 2006)

1. Developed service enhancements for electronic banking channels such as ATM card, phonebanking facility, mobile banking and retail internet banking that resulted to better customer experience.2. Coordinated with Visa and Mastercard representatives for the Debit card project3. Conceptualized product features for a Remittance Cash Card/Debit Card product

1. Developed programs for new to bank clients and anti-attrition.2. Designed incentive program for Citiphone Anti-Attrition Officers.

A. Product Officer (from 1997 to 2004):Responsibilities and achievements:1. Identified and analyzed market trends, consumer needs and competitive environment. 2. Developed new product ideas and concepts, analyzed pricing, determined positioning and packaging of existing and new products. 3. Developed marketing plans and monitored implementation of programs and policies on product development.B. Officer Development Program trainee - April 1996 to Oct 1997 1. Successfully completed the bank training program. 2. Youngest in the batch of officer trainees.C. Marketing Assistant 1. Consumer Loans Dept (April 1995 - March 1996)- Handled consumer loan accounts (auto and home loans) 2. Market Development Section (March 1994 - March 1995)- Conducted market research on consumer lending products- Conducted Pre-Departture Orientation Seminars to OFWs to promote the remittance services