SUMMARY OF QUALIFICATIONS________________________________________________________
Big 4 Financial Services/Electronic Payments Consultant commanding twelve years of inter ***** experience with electronic payments, and core banking integrations for the Fortune 100. These include Accenture, First Data, and ***** (FIS). I possess exceptional banking and payments acumen concentrating on system integration and project consultation of complex payments solutions for the following:

Discover BBVA Royal Bank of Scotland Grupo Santander FIS PayPal POLi™ Jack Henry and Associates Mastercard Wachovia Paymentech Bank of America Best Buy Wellington Management Wells Fargo Citizens Financial Group Fifth Third Fiserv First Data Cardtronics Target Corp VISA BOB India U. S. Government (EBT) Paytrust

 Mastery of Banking Payments - Debit, Core Banking, Prepaid, PCI, EBT, ACH, SWIFT, RTGS, TARGET2, CHIPS, platform redesign and deployment (front/back office), Item Processing, ATM and POS driving, ISO8583, EFT IT network infrastructure and configuration, bank and credit union CRM, and clearing/recon with networks and third party processors worldwide.
 Banking and payments regulations SME for PCI, Durbin, Basel II/III, SEPA, Reg E. and other banking and payments specific domestic and inter ***** regulatory concerns.
 Demonstrated proficiency to manage large scale Banking and EFT/POS integration projects with operating budgets of ***** million dollars in the global space.
 Current knowledge of new payments technologies such as P2P transactions, Mobile Payments (OTA, NFC), Micropayments, Virtual Accounts, Biometrics, EMV, RFID, SOA, CLOUD, and their application across the banking industry to expand profits by monetizing new incremental purchasing business models and overall portfolio performance management.
 Versed in Project Management Methodologies, (PMP/Prince2), tools, procedures, change management and strong command of SDLC, project planning, resource allocation and forecasting.
 Expert level of knowledge of the client's strategic business goals and processes, as well as superior functional and technical acumen, and understanding of technology and its alignment with business process management both domestically and inter ***** ly.
PROFESSIONAL EXPERIENCE______________________________________________________________________
April 2010 – Current Accenture Remote
Electronic Payments/Financial Services Systems Integration Senior Consultant
 Perform business/ systems analysis through the project lifecycle including: scope definition, business case development, requirements gathering, functional and technical design, vendor assessment, test script development, training material development, and implementation with an electronic payments focus.
 Developed an overall core banking and payments systems integration strategy for two top 10 world banks into the U. S. banking space with large acquisitions purchased during the global financial crisis.
 Custom core banking platform integration of U. S and European payments systems governing transaction authorization, billing, settlement, and reconciliation. (200mm accounts, 2T assets. )
 Interfaced with offshore teams deploying certification, build, and payments authorization strategies in Mexico, Spain, Argentina, Finland and the U. S.
 Responsible for Loans (Small Business/Commercial) Debit Card, ATM, IVR, eBanking, ACH, Swift, PEP+, Internet Retail, OFAC modules, Teller and Platform Integration.
 Additional strong focus on CRM activities promoting quality and efficiency, overall reduction in costs, enterprise agility and capitalization of customer synergies.
 Maneuvered through client's organizational and engagement models to complete project milestones, partnering with key stake holders bringing in projects on time and at budget.
 Determined as is and to be architecture for certification framework providing gap analysis studies and risk modeling including adherence to local and inter ***** banking regulations.
 Identify resource needs, track milestones and perform quality status reviews to the executive/leadership teams.
 Interfaced with all areas of the enterprise, impacting the scope, budget, risk, and resources that align with the work effort being managed. Excellent negotiation skills.
 Electronic Payments SME for all Financial Services projects assigned to at the Big 4 level.
 Clearly defined and articulated roles bridging the GAP between US and EU based best practices.




August 2009 – April 2010 Velocity Solutions Wilmington, NC
Payments Integration Consultant
 Created software and integration strategies for the financial services sector by developing tools to maximize overall revenue. Offerings targeted overdraft, DDA/SAV account generation, intelligent limit setting, and debit rewards programs driving immediate and sustained revenue for the companies’ banking and credit union clients.
 Deep Experience with bank processing vendors and technologies for core banking, web integration and asset liability management applied directly to client base with onsite consulting of products and services offered.
 Interfaced with several development teams abroad in product and web portal design, development and deployment to individual clients and third party processors.
 Companywide SME for security and compliance environment specific to debit card and overall payments processing.
 Company regulatory compliance SME for payments PCI requirements. Ensured that rigorous system development life cycle (SDLC) and project management best practices are followed throughout project lifecycle during project execution.
 Interfaced with EFT processors and technology line to receive and integrate ATM and POS activity files into a . sql database to support product functionality and performance reporting.
 Published technical documentation outlining file specifications and implementations procedures for overall product offerings utilized by both sales and end user communities.
 Accomplished standardization of client tracking and project processes within the organization creating the groundwork for PMO within the organization.
 Analyzed reconciliation matrices to validate POS raw data files to voucher production interfacing with print houses and direct mail marketers.
 Created new financial offerings utilizing the Stage Gate Method for Reg. E mandates ODP and DDA account expansion products for banks and credit unions.




July 2006 – 12/08 ***** ***** Services (FIS) Remote
Field EFT Integration and Deployment Consultant
 Provided Debit/ATM /GL/POS/ACH/PCI/CRM consulting to Tier 2 financial institutions/credit unions utilizing business process management deploying intelligent hardware and software solutions recommending high performance ROI projects across the project portfolio.
 Added value to clients with best practices and performance benchmarking for banking fees, cash management infrastructure, corporate-to-bank connectivity, payment factories and in-house banking.
 Served as subject matter expert (SME) in all aspects of project implementation planning, training and performance support, service introduction and deployment, ensuring consistency.
 Accomplished in developing Business Requirements, Use Cases, testing scripts, and UAT on simulators with Tandem, (HP NONSTOP) Stratus and Base24eps.
 Partnered with senior leadership of the business community to identify and prioritize opportunities for utilizing IT and existing product offerings to achieve greater revenue typically supporting sales at client presentations with product demonstrations and expertise.
 Created and delivered specialized software training programs both onsite and virtual to cover products and services delivered during project execution.
 Consulted with settlement operations to provide reconciliation of bank daily ACH, settlement of adjustments, and general ledger accounts in house at the Federal Reserve, and through correspondent banking institutions.
 Managed the full product lifecycle for prepaid debit products managing the product lifecycle to include market need identification, business case development, requirements definitions and project planning, distribution planning, contract negotiations, client implementation support, product marketing, and product performance.
 Research market competition conducting research to develop business cases for new revenue channels and feature enhancement.
 Analyze and evaluate complex business problems and their impact within EFT online and back office application systems.
 Interfaced with Offshore development teams in code development and system architecture design.
 Coordinated with external vendors and internal partners to ensure issue resolution and project time lines are being met.








February 1999 – 07/06 First Data Corporation/Star Systems Wilmington, DE
EFT Platform Analyst III
 Responsible for all ATM and Debit/POS switching to 23 EFT networks from an interface perspective. This included the management of peak season planning, infrastructure redesign, data center moves, compliance management, client relationship management. , and all aspects of online and batch processing. (Managed Staff of Five. )
 Implemented financial institution, ISO, Credit, Debit, fraud, ATM and POS device driving projects in the 1-10mm range for every top ten network switch or third party processor in the domestic U. S.
 Served as primary business account support to large third party processors such as Jack Henry, Innobeta, Paymentech, Winn Dixie, Chevy Chase, Metavante, Rbs Lynk, and Safeway.
 Directed the development, implementation and support of technologies to support business objectives across the enterprise as dictated by company realignments, change of business directives, and for custom installations for tier one clients. (Wal-Mart, Best-Buy, Dillard’s)
 Coordinate and implement new system installations. Perform system walk-through of technical and operational features for new or existing systems.
 Experienced in the SDLC, Stage Gate, Use Case, code development, and testing methodologies.
 Served as Relationship Manager to EFT/POS processors attending industry events and occasionally in speaking engagements. (VISA, Cirrus, Plus NYCE etc. )
 Managed database installations on the card side to include CAF, negative files, and key management both at the network and card level.
 Managed projects generating 7mm in revenue and an 11% increase in network usage over my term.
 Analyze and interpret application design specifications and program business requirements for EFT applications maintaining application design specifications.
 Monitor upcoming new development activity for potential impact to overall environment.
 Managed complex Data Center moves supporting one million transactions monthly.
 Developed and enhance EBT product to track and manage product performance relative to enterprise, consumer and merchant benchmarks. Analysis includes metrics, payment portfolio performance, customer behavioral profiles and competitive product assessment.
 Create, review and approve Business & Technical Design documents
 Experienced with Tandem, (TACL, FUP, Spoolcom, Peruse, and editors TEDIT and Edit) Base 24, Stratus, Connex/Advantage, NDM, FTP, based applications.
 Resolved Complex end of day settlement issues with transaction switches and Third Party Processors, developing custom data files for settlement when necessary.


May ***** /98 MBNA America Wilmington, DE
Fraud/Outbound Account Representative II
 Responsible for completing fraud analytical reports used by management to detect trends and set fraud policy, conducting fraud trending and analysis to serve as early warning risk indicators for potential fraudulent activity
 Maintained intimate knowledge of Reg. E, Reg. Z, ATM Networks, Visa, MasterCard, and American Express regulations and operating procedures to ensure the timely resolution of chargeback and potential chargeback items.
 Research and analyzing customer ATM, Debit and Credit transactions for possible cases of fraud. Investigates fraudulent claims by conducting interviews with law enforcement agencies.
 Resolved member problems within delegated limits, including but not limited to Falcon authorization blocks, refunding fees, monetary and non-monetary adjustments.
 Initiates/responds to member telephone calls concerning ATM, Debit, and Credit Card
 Processes lost/stolen accounts, order new cards as required within the guidelines for each product.
 Prepares ***** on accounts to be charged off.