Merchant side first, then the PSP side.

Advise Airwallex's largest merchants on authorisation rate, processing cost and fraud outcomes, working from transaction-level data.

• Lead full-funnel investigations, from integration quality and cardholder data through 3DS, risk, issuer behaviour and routing.
• Design and refine the team's standard optimisation playbooks.
• Work with Product and Data Science on network tokens, card account updater, dynamic SCA and ML-based anomaly alerting, and bring merchant evidence into product decisions.
• Own fraud strategy on the accounts, tuning risk rules and 3DS routing.
• Teach payment optimisation to Account Management, Sales and Solution Engineering.

Managed card acquiring and payment partner relationships, working across Operations, Pricing, Product, Legal and Compliance.

Led client engagement for the launch of Intelligent Acceptance, Checkout.com's AI-driven acceptance engine.

• Ran optimisation programmes for the highest-value accounts: acceptance diagnostics, network token adoption, retry logic and routing.

Built the merchant-facing insight layer that turned transaction data into commercial conversations for Customer Success and Sales.

• Drove payment performance and share-of-wallet growth across the enterprise portfolio.

Owned online payments end to end for the FT's global subscription business: web, app and print.

• Set the payments strategy: PSP and acquirer selection, commercial negotiation, and a multi-PSP setup that secured domestic acquiring in key markets.
• Raised acceptance through issuer-level analysis, decline-code diagnostics and retry strategy, and built the reporting the business ran on.
• Cut involuntary churn with account updater, network tokens, intelligent retries and targeted customer contact.
• Widened the payment-method mix: PayPal, Apple Pay, direct debit and local methods.
• Owned payments compliance: card scheme rules, PCI DSS, PSD2/SCA and the RBI recurring mandate in India.
• Was the single point of contact for payments across Product, Customer Care, Accounts Payable and Receivable, Legal and Procurement.

Owned the payments product and roadmap: specification, development coordination, QA and release.

• Led client engagement through pre-sales and delivery, turning commercial requirements into technical specs.

Single point of contact for mobile network operators and payment providers across the carrier billing portfolio: commercial, technical and legal.

• Coordinated technical delivery to keep carrier billing flows live across markets.

Supported PSP relationship management, supplier evaluation and cost and margin modelling.

• Ran partner integrations, financial reconciliation and partner KPI reporting.