With over a decade of progressive expertise spanning cards and merchant issuing/acquiring, payments systems, treasury, and ATM operations, I possess a robust comprehension of electronic payment systems and the acquiring landscape. Proficient in defining configuration specifications and conducting business analysis, I drive organizations towards successful product launches. My operational leadership encompasses staff management, budget oversight, cost control, and strategic planning. As an analytical professional with technical acumen and critical thinking prowess, I excel in data-driven settings. I approach challenges with optimism and determination, consistently surpassing expectations both independently and collaboratively.
Professionally adept in providing daily operational support and executing full lifecycle application development, encompassing configuration and debugging across various platforms. Proficient in software analysis, requirements assessment, and system risk analysis, with expertise in front-end graphical user interface design, software testing, and quality assurance. Skilled in integrating software with existing systems, performance tuning, and usability enhancements through automation. Dedicated to supporting, maintaining, and documenting software functionalities. Experienced in infrastructure management, ensuring environmental consistency, operational stability, and compliance enforcement, including managing MasterCard & Visa bi-annual scheme releases and ACI/Postilion patch updates. Adept in security engineering, embedding security measures in designs, and ensuring PCIDSS & EMV compliance. Demonstrated proficiency in change control management for new solutions and modifications, ensuring quality changes in both production and staging environments. Proven ability in third-party vendor engagement, logging and following up on bug reports, and ensuring thorough testing of solutions before deployment.
Professionally oversee customer service standards tailored to distinct market segments, ensuring their establishment and maintenance. Monitor customer complaints, identifying trends and root causes for proactive resolution. Anticipate and fulfill customer needs through suitable product and service offerings across various channels, while identifying opportunities for channel migration. Conduct needs analyses for new applications, ensuring transparent disclosure of accreditation, fees, and commissions. Maintain compliance with relevant legislation. Gain insights into local market segments, staying abreast of industry developments, and coach teams on product knowledge and cross-selling techniques. Implement risk management protocols, identifying and mitigating potential risks while upholding internal controls. Lead and mentor staff, addressing training needs and conducting performance evaluations. Efficiently manage workflow, staff leave, and attendance, fostering a culture of empowerment and accountability. Proactively identify cross-selling opportunities and participate in sales and marketing activities to achieve targets. Continuously seek process improvements and address escalated customer queries and complaints while overseeing routine operational tasks.
Implemented and executed a comprehensive sales strategy in Namibia, overseeing sales planning, new client acquisitions, and reporting while actively engaging corporate clientele. Achieved significant growth in monthly turnover, revenue, and market share through effective cross-selling initiatives. Directed and cultivated the performance of the local merchant sales team, ensuring high-level service delivery to customers and maintaining strong relationships with staff and merchants. Managed sales staff, including setting targets, devising strategies, and providing coaching, while consistently meeting or exceeding service level agreements. Proactively identified risks and opportunities, managed payment service providers, and oversaw corporate and Tier 1 merchant accounts. Spearheaded various projects and successfully delivered key objectives.
Proficient in conducting point-of-sale (POS) queries for both on-us and off-us transactions. Experienced in monitoring and revising Electronic Funds Transfer (EFT) and Common Layered Clearing (CLC) files through NamClear system. Skilled in investigating EFT transactions and performing thorough account reconciliations. Capable of executing payments exceeding industry thresholds to agent banks via Real-Time Gross Settlement (RTGS) and Namibia Interbank Settlement System (NISS).
Facilitated seamless transfer of coins to and from branches and Bank of Namibia, ensuring accuracy and compliance. Conducted meticulous confirmation procedures for foreign notes and coins. Implemented rigorous spot checks on staff handling foreign currencies. Proficiently executed account reconciliation tasks to maintain financial integrity and transparency.
Proficiently handle daily cash loading operations, manage the destruction of retained cards and torn notes, and diligently perform office tasks such as recording entries in ATM float accounts, investigating suspicious card activities, and facilitating client refunds as needed. Demonstrate precision in balancing ATMs and resolving discrepancies, alongside meticulous reconciliation of accounts.
Exploring novel card and emerging payment solutions
Expanding expertise in Visa and MasterCard regulatory frameworks
Fishing
Traveling
N-genius E-commerce, Merchant profile loading. Enrolling merchants for 3D secure with MasterCard and Protect buy. Integration with Hosted and Direct API with different plug-ins. UAT testing, production pilot testing regression testing.
PSD7 (Nampay), UAT Testing enhanced debit orders. UAT Testing enhanced credit transactions. Reporting defects and log change request. Retest defects. Regression testing.
PSD4 (Localization of E-commerce transactions), UAT testing (different scenarios and reporting issues). Support when transactions fail and engage relevant parties to resolve. Retesting issues and defects to get the correct result. Regression testing.
Shoprite Money Transfer DSX Compliance, UAT Testing images scanned. Testing documents scanned on Flightdeck. Testing the layout and file flow between third party and vendor. Reporting defects.
PSD11 Card Interchange, UAT testing (different scenarios and reporting issues). Verify result. Retesting issues and defects to get the correct result. Regression testing. Implemented change in production. Verify result.
Merchant Billing Enhancements, Configuration setup. DEV and UAT testing. Verify result. Retesting issues and defects to get the correct result. Regression testing.
Wallet on POS, Configuration setup. DEV and UAT testing. Verify result. Retesting issues and defects to get the correct result. Regression testing.