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Crissy WatkinsCW
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Crissy Watkins

@crissywatkins

Payments leader at Instinct Science who owned payments P&L and built a multi-year fintech roadmap across ACH, financing, and payouts.

United States
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At Instinct Science, I owned the payments P&L for a platform processing more than $100M quarterly. I directed pricing governance, partner strategy, and investment priorities, and developed a multi-year fintech roadmap covering ACH, surcharging, recurring payments, financing, and payouts.

At Shopmonkey, I scaled monthly payment volume from $33M to $130M+ by integrating payments into the sales and merchant lifecycle. I increased payment attachment from 23% to 62% and reduced processor costs by approximately two-thirds through commercial renegotiation with Stripe.

I also commercialized customer financing with Sunbit and Affirm, generating $35M+ in funded volume, and completed a payments migration for 2,500+ merchants. Before my promotion to Director, I grew monthly payment volume from $13M to $33M and built the payments operating foundation.

At Mindbody, I worked across merchant account and payments roles, supporting strategic-account retention, processor migrations, and adoption of integrated payments. I also completed Payments Boot Camp through Glenbrook Partners and currently contribute to Grow the Good’s business plan, sponsorship efforts, and community fundraising.

Experience

Work history, roles, and key accomplishments

IS

Vice President, Payments

Instinct Science

Oct 2025 - Feb 2026 (4 months)

Owned the payments P&L for a platform processing over $100M quarterly through embedded payments, directing pricing governance, partner strategy, and investment priorities. Established pricing governance targeting up to 60 basis points on new business and developed the financial case for processor consolidation.

MI

Merchant Revenue Consultant

Mindbody

May 2015 - Jun 2018 (3 years 1 month)

Increased payment volume by 9% in the first year of a new merchant-engagement role by identifying clients underutilizing integrated payments and helping them adopt the service. Built payments training tailored to business vertical and size by translating merchant needs into practical adoption guidance.

MI

Merchant Account Client Representative

Mindbody

Oct 2012 - May 2015 (2 years 7 months)

Served as a client representative for merchant accounts, supporting payment adoption and client needs.

Education

Degrees, certifications, and relevant coursework

California Polytechnic State University, San Luis Obispo logoCO

California Polytechnic State University, San Luis Obispo

Bachelor of Science, Communication Studies

Bachelor of Science in Communication Studies from California Polytechnic State University, San Luis Obispo.

GP

Glenbrook Partners

Payments Boot Camp, Payments

2018 - 2018

Completed the Payments Boot Camp by Glenbrook Partners in 2018.

Tech stack

Software and tools used professionally

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