Advisor on Risk Metrics, Due Diligence, and Payment Compliance. Developed SOPs and SOWs to leverage tools for transaction monitoring and disputes to reduce response time and increase favorable decisions. Developed KYC/AML processes and appropriate tools for Due Diligence (CDD/EDD), lowering friction. Guided Cross-Team functionality, ensuring seamless, transparent transactions compliant with card brands to lower instances of disputes.

Key contributor in building a short-term rental-specific payment processor, leveraging expertise in marketplace payments, underwriting, and compliance. Directed KYC/AML review for 10,000+ platform users. Cut company-wide chargeback rate by 35% (from 0.92% to 0.6%) through dispute flow redesign and risk mitigation strategies. Advised on fraud prevention system upgrades, including integration of Kount and other third-party tools.

Contracted to drive Salesforce reporting and underwriting. Assisted Merchants in chargeback representment and remediation of Visa’s VDMP and VFMP programs. Ensured merchant applications complied with KYC/AML banking requirements, reducing compliance risks.

Provided advisory services to ensure merchant banking operations were compliant with Card Brand and Banking Regulations, securing the integrity of daily large-scale transactions. Reduced chargeback rate from ~5% down to ~1%, enabling eligible charges to grow from $300K per week to $800K+ per week. Directed a culture change for the organization to value customer service and transparency, prioritizing long-term relationships.

Recruited by Senior Leadership Team to establish risk controls and underwriting processes for the rapidly expanding financial services marketplace. Created and documented Wizely’s first policy and operational procedures on risk controls and KYC/AML requirements. Established partnerships to build expertise in compliant merchant banking and credit card transactions.