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Why: 
  • To save time and $ for web clients on integration with payment gateways
  • To move all web clients to use one platform/one service including international 
  • To improve performance of web client and move out from direct integration
  • To make existing model scalable for the new businesses 
  • To get better rates on the company volume from payment gateway
  • To receive indemnification for charge-back cases
  • To simplify and streamline settlement processes for merchant accounts 
  • To provide reporting on company-wide payment processes
What: The payment plus services platform allows a client application to send credit card account transactions to the card processors. Additionally it designed with primary fraud protection and fraud IQ. 
Payment Plus Services
Role: Sr. Product Manager
2017
Where: All Blackhawk Network B2C and B2B business will be migrating to the payment plus services. 
Scope:
  • Implement global payment services for Auth/Capture/Cancel/Refund/Auth&Capture
  • Support US and international payment processing 
  • Integrate with primary fraud protection partner
  • Integrate fraud IQ services 
  • Create required APIs to support payment plus solution
  • Provide workflow to configure/set up/on board digital distribution partners
  • Provide internal tools to perform required operations
  • Create centralized white/gray/black lists
  • Build manual review queues for orders in review state​
Scope:
  • Integrate with email data intelligence partner to assess customer's email address
  • Integrate with anti-fraud partner to collect data-points like device, IP, phone, and email during a transaction
  • Analyze received data from both partners and build logic to make decision on transaction 
  • Provide direction to web clients on integration with fraud IQ services
  • Provide operational tools  to configure and manage bands and number of devices 
2016
Role: Sr. Product Manager
Where: Reloadit reduce 80% of fraud attacks and Gift Card Mall reduce 45% of charge backs 
Why: 
  • To stop and prevent fraud in an online businesses
  • Lower the cost for fraud prevention
  • To automate decisions on orders to reduce manual review queue 
  • To provide valuable information about customers to help risk analyst make decision on orders in manual review queue
  • To reduce number of charge backs by knowing your customers
  • Increase revenues anywhere 

Fraud IQ Services 

What: Fraud IQ services to control fraud activities by collecting device fingerprint information about a remote computing device, identifying individual user or theirs devices, and assessing transactions.
Website wire-frames:

Bonus Code Promotion

Role: Product Manager
What: The "Bonus Code Promotion" is program for retail channel to promote gift card purchase with additional reward to the customers as a bonus code or Gift Card worth a specific amount for free. 
Why: 
  • To increase sales throughout the year
  • To run promotion without point of sale dependency in distribution partner's stores
Where: US Kroger: 300 stores, UK Morrison's: 500 stores, Germany Edeka: 3000 stores, Australia Coles and Kmart: 800 stores, Japan Lawson: 12200 stores, Belgium and France Carrefour: 600 stores, Netherlands Kruidvat: 660 stores, and it is became ongoing process.
Scope:
  • Identify and create list of distribution partner to run add bonus code promotion
  • Build capabilities to set up add bonus code promotion for specific distribution partner 
  • Build branded web application for US and international distribution partners
  • Set up promotion with partner to deliver coupon with URL to the customer in store
  • Deliver bonus code to the customer via post/email/on screen
  • Build required API to search for qualified transaction to support logic 
  • Build customer support process
  • Fulfill reporting requirements for content provider 
  • Analyze settlement changes
Scope:
  • Products
    • Create plan inventory for each carrier: AT&T, T-Mobile, Verizon, Tracfone, and Net10
    • Build product catalog for branded online application
    • Support ePIN based and real time based products
  • Build branded online application
  • ​Build shared services to support all functionalities
    • Create and manager user's account
    • Store and manage user's payment option 
    • Monthly subscription and promotions to add air time
    • View transaction details and transaction history
    • Family plans: add air to more than one phone
    • Customer loyalty program
    • Communication via email or text
  • Integrate with Carriers to top up no contract phones
  • Integrate with distribution partner loyalty system
  • Integrate with partner to calculate tax amount on transaction
  • Enhance order endangerment app for operational and customer support
  • Build reporting capabilities
  • Enhance settlement with carries and distribution partners
  • Build customer support process​
Where: In 16 Kroger supermarkets: Kroger, Baker's, City Market, Dillons, Food4Less, Foods Co, Fry's, Fred Meyer, Gerbes, Jay C, Owen's, King Soopers, Pay Less, QFC, Ralphs, Smith's and Giant Eagle 
Role: Product Manager
Why: 
  • To acquire competitor accounts by providing technology solutions for Telecom products
  • To provide digital capabilities to add air time to no contract phones
  • To provide customer loyalty program
  • To reduce cost on card production 
  • To reduce number of consumers using IVR system to add air time to their no contract phones
Web portal first mock ups

Top Up 

What: Branded web application for customers to add air time to no contract phone.
Why: 
  • To reduce cost of operation every time for each denomination
  • To reduce cost of card generation and print new inventory for each denomination
  • To remove distribution gaps of new products when rates on plans got changed
  • To provide customers with ability to purchase specific airtime for their plan rate
  • To increase pegs space of the store racks 
  • To reduce unused product accumulation inventory
Role: Technical Product Manager
What: Physical prepaid telecom variable card to replace fixed denomination cards for customers to load desired $ amount on no contract phone for leading telecom brands.
Where: It was launched in over 5,000 US distribution partner stores. 
Scope:
  • Enhance ERP system to support multiple denomination of products within a min/max range
  • Enhance internal app to fetch and store product details from the content management system
  • Issue new products with card numbers and pin numbers unique to telecom system
  • Enhance activation flow by updating internal app with user entered amount and update the status 
  • Enhance redemption flow by validating pin, performing redemption and update the status
  • Integrate with carriers to activate and redeem new products by using the phone number and PIN
  • Update reporting system and make sure it treats this product as standard variable product
  • Settlement and reconciliation process will support custom carrier requirements and support activation and redemption transactions

Telecom Variable Card

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