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Rohini Ghutke

@rohinighutke

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Fintech payments operations leader specializing in merchant onboarding, underwriting, and process automation.

United States

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What I'm looking for

I am seeking a senior payments operations or implementation role where I can lead merchant onboarding, improve processes through automation, collaborate cross-functionally, and drive scalable, compliant payment solutions.

I am a seasoned fintech payments operations professional with over 10 years of experience in merchant services, underwriting, and payment processing systems. I specialize in end-to-end merchant onboarding, risk evaluation, and integration with major processors to deliver compliant, scalable solutions.

Throughout my career I have led implementations, streamlined workflows, and resolved high-level escalations while collaborating with cross-functional teams and partners. I drive process improvements and build automations (Zapier, Make, n8n) to reduce manual effort and improve turnaround times.

My background includes managing integrations with processors such as Elavon, Worldpay, Priority, Maverick, and Kurv, conducting compliance and fraud assessments using OFAC and LexisNexis/CLEAR, and delivering training to merchants and partners for successful platform adoption.

I hold an MBA in Finance and a Graduate Certificate in Banking & Insurance, and I bring a pragmatic, results-oriented approach focused on operational excellence, risk mitigation, and scalable growth for payments businesses.

Experience

Work history, roles, and key accomplishments

Current

Payment Operations Manager

Current

Merchant Service Depot LLC

Sep 2023 - Present (2 years 5 months)

Lead end-to-end merchant onboarding and integration projects, managing processor integrations and underwriting to ensure compliant activations and improved onboarding turnaround times.

Merchant Onboarding Underwriting Elavon Worldpay Risk Assessment Workflow Automation Partner Management

Implementation Specialist - Payments

Revspring Inc.

Dec 2021 - Dec 2022 (1 year)

Managed PayFac merchant implementations end-to-end, conducted compliance and fraud assessments, and coordinated cross-functional teams to deliver on-time go-lives and reduce onboarding friction.

OFAC LexisNexis Compliance Assessments Project Management Risk Mitigation

Merchant Service Specialist

FortisPay

Sep 2021 - Nov 2021 (2 months)

Provided multi-channel merchant support and account maintenance, assisted with integrations and PCI guidance, and managed chargeback documentation to resolve disputes effectively.

Merchant Support PCI Compliance Chargebacks Refunds Customer Service

Assistant Manager

Safexpay

Aug 2016 - Nov 2017 (1 year 3 months)

Led merchant onboarding and risk-based underwriting, managed gateway and processor integrations, and developed SOPs to strengthen compliance controls and operational scalability.

Underwriting Thomson Reuters CLEAR KYC SOP Development Risk Management Onboarding & Compliance

Assistant Manager

Transerv Pvt. Ltd.

Jun 2015 - Jul 2016 (1 year 1 month)

Conducted merchant underwriting and onboarding, monitored high-volume transactions for fraud, managed wallet reconciliation, and produced reporting for stakeholders to improve operational controls.

Fraud Monitoring Reconciliations KYC Reporting Transaction Monitoring Risk Assessment

Senior Operations Executive

First Data (Fiserv)

Sep 2011 - May 2015 (3 years 8 months)

Managed merchant underwriting, onboarding, high-volume transaction monitoring, chargeback resolution, and compliance checks using Thomson Reuters CLEAR to reduce fraud and support international merchants.

Thomson Reuters CLEAR Chargebacks Transaction Monitoring & Compliance International Merchant Support Fraud Prevention