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Patricia Hechavarria

@patriciahechavarria

Product Owner at RalioPay building cross-border payouts, multi-currency accounts, and a provider network that added seven destinations in one release.

France

Message

At RalioPay (Revopay Inc.), I work on cross-border payouts, multi-currency accounts, and stablecoin settlement. I built a payout-provider network that added seven destinations in one release, along with pricing logic that flags negative-spread routes.

At Saldoymas payment platform (Techstars Solutions), I owned the payments roadmap for a multi-tenant e-commerce platform, with OKRs for conversion and payment success. I coordinated payment-gateway and APM integrations and worked with providers including Stripe and Checkout.com on merchant-side payment flows.

At Vox Telecom / CSQ Non-Stop Shops, I owned the payment product lifecycle for a cross-border mobile top-up platform and integrated 12 payment partners and operators. Iterations informed by payment and fraud KPIs grew portfolio revenue by 30%; I also built an AML/CFT pre-screening flow and defined a white-label remittance offer.

Experience

Work history, roles, and key accomplishments

Current

Head of Sales

Current

RalioPay (Revopay Inc.)

Jan 2026 - Present (9 months)

Single commercial lead for cross-border payouts, multi-currency accounts, and stablecoin settlement. Built the payout-provider network and pricing matrix, and designed AML/CFT pre-screening tools.

Cross Border Payments Payouts Multi Currency Accounts Stablecoin Payments KYC AML Sanctions FINTRAC Pricing Google Apps Script CRM AI Automation

Product Owner

TechieGeeks

Jan 2025 - Dec 2025 (11 months)

Owned a cloud fintech platform with AI/ML modules for payment-flow automation, anomaly detection, and risk scoring. Wrote PRDs and defined acceptance criteria for payment features.

Product Management PRDs Acceptance Criteria Payment API Design AI ML AWS Fintech

Product Owner

Saldoymas (Techstars Solutions)

Jan 2024 - Dec 2025 (1 year 11 months)

Owned the payments roadmap of a multi-tenant e-commerce platform, with OKRs on conversion and payment success. Coordinated payment-gateway and APM integrations for LatAm markets.

Payments Product Roadmap OKRs Discovery MVP PSP Integrations Stripe Checkout.Com 3DS Refunds Chargebacks Fraud Rules LATAM

Head of Product & Payment Partnerships

Vox Telecom / CSQ Non-Stop Shops

Jan 2021 - Dec 2024 (3 years 11 months)

Owned the full payment product lifecycle of a cross-border mobile top-up platform. Integrated 12 payment partners and grew portfolio revenue by 30% through KPI-driven iterations.

Payments Product Lifecycle Management APM Integrations PSP Selection Stripe Checkout.Com Conversion Rate Optimization Compliance Partner Negotiation KPI Analysis

Partner Relations Manager, Cross-Border Payments

Ding.com

Jan 2017 - Dec 2021 (4 years 11 months)

Managed cross-border payment products for diaspora corridors, including pricing, APM integrations, and regulatory compliance. Standardized integration checklists to speed up partner onboarding.

Cross Border Payments APM Integrations Mobile Money Pricing Compliance EU Frameworks Partner Onboarding Conversion analysis