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Work Background
TrinIT ConsultantsFounder/CEO
Sep. 2022San Francisco Bay AreaTrinIT Consultants is an innovative consulting firm that provides payments, compliance, risk, and security expertise through advice, audit, and education. We partner with FinTechs, BaaS Providers, banks, credit unions, and others in maintaining compliance, and security, reducing risk, and enhancing the overall operational efficiency of the payment systems.
MbanqVice President Operations
Jun. 2021 - Jul. 2023San Francisco Bay Area• Lead Compliance, Operations, Disputes, and Client Onboarding Teams to maximize effectiveness, scalability, and reach company goals.
• Led Client Onboarding Team to scale from its first customer to where we are today (several dozens of clients)
• Built out Compliance, Operations, and Dispute Teams and processes.
• Maintained less than industry-standard fraud losses across all payment channels
Technology Credit Union (Tech CU)Vice President of Operations
Aug. 2020 - Aug. 2021San Jose, California, United States• Oversaw functional activities in support of the TechCU strategic payment and money movement.
• Responsible for the formation of the division’s long-term strategic business and systems plan.
• Responsible for the leadership and management of a large portfolio of internal operational activities (Debit/credit cards, ATMs, ACH, Wires, item processing, imaging) while navigating complexities of adding new services while maintaining/enhancing legacy products and services.
• Provided leadership and guidance to staff and other areas of the organization to identify and resolve operational issues, increase productivity and operational efficiency while managing expenses, and enhance and create revenue streams through expanded use of technology and vendor relationships.
• Completely revamped Reg E/Dispute Handling and enhanced chargeback process- creating efficiencies across the company and saving about 50% of fraud losses and costs associated with the chargeback.
SynapsePayments Fraud/Compliance
Jan. 2020 - Jan. 2020San Francisco, California, United States• Developed controls required by Mastercard for newly established Processors (Synapse became its own card transaction processor) • Established Framework for Managing Fraud Risks along with creating Fraud Loss Control Policy
• Completely revamped Reg E/Dispute Handling, starting from semi-automation of intake and initial processing of consumer claims, to enhancing chargeback process- creating efficiencies across the company and saving about 50% of fraud losses and costs associated with the chargeback. • Created Reg E, Reg Z Policies and procedures and trained staff
Fremont BankSr Director, Payments Operations and Risk
Jan. 2012 - Jan. 2019Hayward, CA• Updated enterprise-wide BSA/AML/OFAC risk assessment and policies/procedures
• Put together and lead Fraud Awareness Committee to develop a fraud awareness program across the company to educate on the identification and prevention of current fraud; foster a better understanding of emerging fraud and development of tools to assist in the detection of new/emerging fraud • Established FIU by centralizing fraud detection and compliance efforts and implementing a cross-channel, holistic, customer-centric fraud detection approach- a 70% reduction in fraud losses during the first year. • Developed new solutions for early detection and prevention of financial crimes.
• Spearheaded various projects related to payments: -Converted debit card portfolio over from Visa to MasterCard and from FDR to Fiserv, while implementing EMV – increase in approval rates by 20% and 10% interchange growth YOY -Rolled out of Samsung Pay, Android Pay, and Apple Pay (23 bank nationwide) -Implemented EMV Debit Card Instant Issuance solution- 60% reduction in fraud losses -De-converted from 3DS to 3DS 2.0 for CNP transactions -Established bank-wide process for cards to participate in Automated Billing Updater to enhance client experience -Implemented all stages of same-day ACH processing
Wells FargoSr Ops Consultant/ Branch Admin/ Corp Security
Jan. 2006 - Jan. 2012
World SavingsRetail Branch Management
Jan. 2001 - Jan. 2006
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