Robert Ritchie Email & Phone Number

Mountain View, California, Us

Reporting to the CFO, leader of the payments team for a publicly traded and industry leading online legal services company. Manage multiple billions in attempted payments annually and responsible for approval rates, disputes/chargebacks, cost of acceptance, etc. • Increased company subscription approval rates by 700bps YOY via optimizing the company's merchant profile and dunning process• Reduced all card disputes by 50% YOY by reducing fraud and updating payment descriptors• Built company anti-fraud infrastructure from scratch, including internal order manual review• Relationship leader for company payment partnerships (e.g. Visa, Mastercard, Amex, Worlday, Stripe, Flexpay).

Stamford, Connecticut, Us

Lead a 80 person US and international team responsible for payments, billings, chargeback management, gift card fulfillment and operations for a subscription based online loyalty marketing merchant with operations in over 20 countries.• Responsible for the relationship with 3 major payment processors (Fiserv, Worldpay, Adyen) and multiple international payment schemes, including Visa, MasterCard, Amex, SEPA DD, etc.• Report group KPIs (eg. billings, pay thru rate, chargeback rates) up to the CEO level• Manage multiple billing related and scheme mandated IT projects• Manage gift card fulfillment operations for key clients, which include large credit card issuing banks• Manage and oversight of subscription operations and member data management

Parsippany, New Jersey, Us

Led the “R” Us Credit Card and the TRU/BRU gift card businesses and relationships with payment and gift card processors, as well as Visa, Mastercard, American Express, Discover and Paypal. Also responsible for optimizing debit card routing as well as emerging and mobile payments strategy with players such as PayPal, Google Pay and Apple Pay. Led the Finance infrastructure for TRU's 2017 E-commerce insourcing, including workstreams for payment processing, fraud prevention, gift cards and tax. • Responsible for acquiring several hundred thousand "R" Us card accounts annually through various in-store and online marketing initiatives and reporting results up to the CFO level•Increased in-store and online private label card spend by a CAGR of 13% over 4 years in an overall declining sales environment•Managed the largest gift card processor change ever undertaken in retail in 2016•Increased gift card sales annually by over $10MM for three years straight •Managed a combined $115MM budget for credit card/debit fees, "R" Us card and gift card promotion

New York, Ny, Us

Leader of the largest credit card acquisition channel at American Express.•Responsible for acquiring several hundred thousand Costco/Amex TrueEarnings Card accounts annually through 450 US Costco warehouse locations through various online and offline initiatives•Increased new account acquisition by 37% over 3 years by innovating new offers, channels and events targeting high-value Costco executive members •Manage an annual marketing budget of $18MM and achieve targeted ROI goals•Lead multiple marketing managers and creative agencies responsible for site, insert and social media acquisition channels•Chair weekly meetings with over 20 Costco HQ/internal business partners and present results up to the GM level

New York, Ny, Us

Sales leader and business management of the Amex online and offline statement insert media business which accounts for approximately $25MM in yearly revenue•Engaged new business advertisers into Amex statements via cold calling as well as leveraging internal client manager relationships which resulted in a doubling of revenue YOY from 2008 to 2009•Negotiated pricing, circulation and service level agreements with advertisers and media brokers•Designed and partnered with technologies to design and build the billing statements for multiple new product launches with varying rewards structures and marketing needs.•Optimized limited statement space for maximum revenue benefit by strategic placement of marketing collateral

New York, Ny, Us

Leader of all American Express online and offline balance transfer marketing campaigns and project lead for numerous re-engineering initiatives that resulted in increased revenue and decreased write-offs•Led a group of 20 cross-functional partners in executing all online and direct mail Balance Transfer campaigns which were responsible for approximately $1.2 Billion in Accounts Receivable per year•Developed and led the implementation of fees and declines on higher-risk balance transfers which resulted in $19.2MM in incremental pre-tax income over two years and several million dollars in decreased write-offs•Directed creative agencies in all aspects of marketing, design and production of balance transfer marketing materials•Managed a budget of over $10MM per year and reported BT campaign results and other portfolio analytics up to the SVP/GM level

Senior relationship manager for database management services for major catalog retailers, internet service providers and consumer packaged goods firms•Advised a portfolio of major accounts on database management and marketing, including segmentation & other data mining techniques to optimize direct mail, email, SEO, site and telemarketing campaigns•Analyzed client sales data monthly to identify trends and opportunities for sales improvement •Lead weekly meetings with client upper management to communicate job status and coordinated the research of any questions or problems presented •Increased client billings by 30% YOY through effective account management and winning new business•Assist division President with writing, researching, and presenting responses to RFP’s

Responsible as the primary client-facing point of contact for list processing services for major financial services firms’ (e.g. Bank One, Bank of America, Wells Fargo) direct mail and telemarketing campaigns•Oversaw and ensured quality control of merge/purge, modeling and lettershop file processing for credit card and insurance solicitation mailings•Managed the timelines for multiple projects and led weekly meetings with clients •Confirmed that all campaigns adhered to individual state laws regarding insurance and credit card solicitation•Built the relationship with all assigned accounts using internal/external resources through client visitation, consultative interactions and creative problem resolution

Stamford, Ct, Us

Responsible for the launch, acquisitions and product management of the PitneyWorks Business Rewards Visa card targeted at small business owners. •Developed and executed offline and online marketing campaigns directed at small business owners •Managed the relationship with the card issuing bank and Visa•Hired, trained and led two marketing analysts

Managed the facilities maintenance for major retail accounts such as the Gap, Old Navy, Williams Sonoma and Borders Books•Negotiated labor & material rates with HVAC, plumbing and electrical contractors servicing store locations •Evaluated monthly maintenance costs for stores and presented results to client home offices •Supported sales group with RFPs as well as with prospecting and closing new accounts

Mba, Finance & Marketing

Bba, International Management/Latin American Markets

New York, Ny