At Zapp, I built the operational structure for its Fraud & Chargeback Monitoring Unit, including workflows, investigation standards, escalation paths, and quality controls. I also implemented an end-to-end transaction-monitoring framework with rules, alerts, decision logic, and analyst procedures.
At PayPal, I led the integration of Xoom’s transaction-monitoring capabilities into PayPal’s risk infrastructure, later expanded to cover PayPal and Venmo transaction flows. At Banco G&T Continental, I reduced fraud amounts in monitored products by 25% and implemented preventive rules and parameters.
At Visa, I supported issuers with payment-innovation projects including tokenization, Google Pay, and Apple Pay, and advised on Interchange Reimbursement Fee optimization. My background also includes card-brand security, cryptographic key custody, and transaction-monitoring implementation in Guatemala and El Salvador.
