Lead payment strategy, optimization, and operational execution across card-present and card-not-present transactions.
Collaborate with payment processors, acquirers, and card networks (Visa, Mastercard, Amex, Discover) to ensure seamless transaction flow and performance.
Drive improvements in authorization rates, settlement efficiency, and payment reliability.
Partner with fraud and risk teams to design and optimize fraud detection rules and mitigation strategies.
Oversee chargeback management processes and dispute resolution workflows.
Evaluate and implement payment technologies including tokenization, 3DS authentication, and fraud prevention tools.
Work closely with merchants, franchisees, and operations teams in a multi-unit retail/QSR environment.
Analyze payment performance data to identify optimization opportunities and cost-saving initiatives.
Ensure compliance with industry standards, regulatory requirements, and network mandates.
Required Qualifications
Experience in payments, fraud management, merchant acquiring, financial services, or management consulting.
Strong understanding of payment ecosystem participants including card networks, acquirers, and payment processors.
Working knowledge of tokenization, 3DS, chargebacks, and fraud rule engines.
Experience working in or supporting QSR or multi-unit retail environments, preferably with a franchised model.
Strong analytical, problem-solving, and stakeholder management skills.
Ability to work cross-functionally with technology, operations, finance, and external partners.
Preferred Qualifications
Experience with payment gateway platforms and omnichannel payment systems.
Exposure to global payment regulations and compliance frameworks (PCI DSS, EMV standards).
Strong understanding of payment analytics and transaction data interpretation.
Experience in high-volume, high-velocity transaction environments.