Driving business performance to promote the growth and diversification of tailored payment solutions through strategic leadership and advisement at all organizational tiers, encompassing company protocols, statutes, and guidelines within the entire spectrum of payment processing operations. Ensuring strategic alignment through scrupulous policy adherence and supervising compliance with evolving regulations.

Senior business leader and individual contributor who is incredibly focused on delivering world-class service across the payments, treasury, technology, and financial services sectors. Passionate about leveraging IT/payments solutions and innovation. Proven track record of driving positive results in fast-paced, complex environments, while managing diverse cross-functional and international teams. Consistently achieves success, meets objectives and creates shareholder value by collaborating key stakeholders to deliver successful outcomes within the most challenging circumstances.

Payment/Financial Services and Risk Management Consultant providing consulting and advice to executives working at start-up and existing businesses, helping them in the following areas: • Assisting businesses to excel, scale and grow in the complex and fast-paced Fintech industry and related ecosystems. Creating a winning culture while developing and delivering world-class service and solving essential problems for customers by facilitating change, innovation and transformation.• Utilization of "best-in-class" solutions precisely aligned to their clients’ needs, developing and assisting with the execution of business plans and creating shareholder value while mitigating the associated risks.• Positively impacting businesses by leading and empowering them to do amazing things with their people, payments, and technology in implementing advanced systems and proven procedures.

While in this role I served as collaborator, idea generator and rain maker providing strategic leadership and world class service to key stakeholders related to the Merchant Services Division. Our team consistently achieved success by leveraging open, welcoming and candid relationships across a diverse group of multi-disciplined executives, management, customers, clients, vendors and staff. Internal and external partners relied upon my personal inputs, as subject matter expert on payment regulation, litigation, and rules, as well as directly supporting marketing, legal, IT, communications, and other stakeholders. I provided confidence as a trusted point of contact on these topics. During this time we brought hundreds of million of dollars to the bottom line by dealing with potentially fraudulent transactions, managing risk and minimizing losses. We leveraged emerging state-of-the-art computing, encryption and payment technologies and implemented strategic decisions. We ensured the necessary regulatory compliance and risk requirements and verifications were in place and achieved.By personally communicating and facilitating a higher degree of risk awareness, and expediting the adoption of risk knowledge, such as Card Brand regulations, best practices, case studies, risk events, professional associations, law enforcement, and consultant practices, we bolstered our performance to record breaking levels of success.The team worked hard on utilizing creative problem-solving to implement process improvements, lowering transaction costs and collaborating with internal partners to execute RFP’s and negotiate payment related contracts leading to millions of dollars in annual savings.Our “status quo” evolved to constant change, innovation, invention and transformation. As a result my mantra became: “To learn something new every day, and to constantly leverage that knowledge to competitive advantage and growth.”

During my tenure at NCO, I served as a cross-functional and international leader to the members of our team while partnering with executives, management and staff to ensure our products supported our continually shifting strategy and goals. As our industry focuses on the ever-changing and complex elements of the payments ecosystem and we were faced with significant competition, my primary accountabilities were to oversee, recommend, and implement all policies, strategies, and analytics that mitigate loss, cost, and fraud. Being charged with leading critical implementations, under compressed timelines, was a common factor in achieving success. A few notable initiatives includes leading a major business transformation for the Treasury and Finance Line of businesses integrating CRM, ERP, Call Center (such as scripting, collections, and taking payments), as well as related accounting and reconciliation elements, chargebacks, underwriting, risk and issue resolution, and compliance matters (OFAC, PCI-DSS, AML, NACHA, etc.) My additional accountabilities also included managing relationships with external and internal stakeholders, 3rd party business partners and vendor SLAs, technology professionals related to payment and issuance processing applications, and channel (IVR, Mobile, Apps, eCommerce, etc.) touch points and operations. I thoroughly enjoyed the challenge of merging and optimizing of the business processes, revenue and cost reduction, sharing and participating in evolving the culture as well as being able to experience the development of team members and colleagues, and sharing successes that spread throughout the organization. We developed the expertise necessary to enable profound organizational change as we navigated mergers and acquisitions, changing focus and/or strategies in the marketplace and certainly of equal importance, we learned what not to do.

I was responsible for the development, performance, and execution of operational business initiatives with and for our most strategic clients. I managed the day-to-day operations and service for accounts within the premier portfolio, which were clients that processed $20 million to over $1 billion annually with us. I was their primary point of contact and led the coordination of major implementations for them. I was the subject matter expert (SME) within the company on Payment Facilitators and regulatory and industry compliance issues that impacted our business and provided consulting services to multiple internal and external executives related to building, maintaining, and acquiring new business across various industry segments. Being passionate about technology and bringing innovative new solutions to the business, I created a new robust and scalable database to monitor, analyze and communicate service levels and financial metrics with the premier client base, including the creation of a card acceptance overview and breakdown report utilized by numerous individuals, including senior management. I also led the adoption and usage of an enhanced reporting standard among our Relationship Managers, providing team members with additional insight into client performance to improve processing business and leading the implementation of multi-merchant financial and quality assurance tracking. I regularly participated in the technology priority setting process, serving as an advocate for our premier relationship management clients. These procedures provided our team with the additional data and information needed to most effectively run our business and enabled us to provide best-in-class service to our premier clients. As a leader within Global Payments, I also enjoyed mentoring our team members. I trained three Relationship Management Managers, and a team of 27, on Payment Facilitation and convenience fee applicability to help them better serve our clients.

My primary duties as Operations Manager at CardinalCommerce were to lead the development, performance, and execution of business operational initiatives, which were of strategic importance and had significant revenue impact for our supply chain partners and clients. Always focused on the quality and performance of our systems and processes I managed the production, planning, execution and resolution of issues with data integrity and chargebacks and provided initial and continual education to internal and external parties regarding the quality of service across multiple payment brands. To help maintain premier quality processes with our supply chain and partner companies I created and implemented business analyses to deliver and show market indications to partners and clients and produced quality assurance reporting and communications to payment brands, merchants, acquirers, and issuers and consulted with them on the use of these.

In this initial role with CardinalCommerce I served as Relationship Manager to Payment Brands, responsible for the Account Management team, Marketing and Partner Relations productivity. I participated in sales, marketing, and planning efforts to our Partner Executives, which included Major Card Acquirers, Processors, ISOs, Gateways, Middleware/OMSs and shopping carts. My focus was also on helping our team to grow our business and relationships with our partner companies and, related to this, I assisted the Account Management team in the development of a long-term vision and goals for each separate relationship and was responsible for planning and execution of marketing and partner campaigns, including official procedures, scheduling, revenue projections, implementations, certifications, and training of our staff. I also developed, implemented and executed strategic marketing plans to help meet our revenue and profit objectives. Some of my specific accomplishments in this role were to create and implement business analyses to deliver and show market indications to our partners and clients, produce quality assurance reporting and communication to our payment brands, merchants, acquirers and issuers and work with all of our departments to understand future technology and process needs to create solutions that met their requirements.