Remo's CV
Profile summary
Strategic operations executive with 13 years shaping banking, payments, and chargeback outcomes. Recognized for expertise in card systems operations, risk management, regulatory compliance, and cross-functional leadership across multiple organizations. Committed to delivering operational excellence and aligning strategic initiatives with organizational goals.
Career highlights
Merchant Chargeback Strategy: Defines chargeback strategy, manages the Merchant Chargeback Unit, and steers dispute processing across channels and brands while establishing compliance frameworks.
Card and Payment Operations: Directs operations for core banking, card systems, and payment services while structuring operational risk and control frameworks across all levels.
Business Development Strategy: Shapes payments and ecosystems business development strategy, steering cross-functional initiatives for card products, regulatory documentation, and project delivery.
Core Banking Reconciliation: Operates within core banking system development teams, overseeing daily financial reconciliations and transaction monitoring functions across multiple partner platforms.
Key skills
Professional experience
Defines chargeback strategy and steers the Merchant Chargeback Unit. Manages dispute processing across channels and brands while establishing compliance frameworks, continuity plans, and long-term operational workflows.
- Processes chargeback requests across various channels and brands, ensuring compliance with policies and industry regulations.
- Prepares and issues chargeback letters to merchants detailing refund request details and required actions.
- Monitors uncollected funds related to merchant refund requests to ensure timely recovery and resolution.
- Assigns and tracks ad hoc tasks within the unit to ensure timely execution and quality outcomes.
Shaped payments and ecosystems business development strategy, steering cross-functional initiatives for card products, regulatory documentation, and project delivery from initial planning through post-deployment monitoring.
- Managed card-related projects aimed at driving business growth and acquiring new customers through targeted use case analysis.
- Prepared legal and financial documents including contract drafting, related party transaction memos, new products assessment, transfer pricing, and cost-benefit analysis.
- Oversaw project management from planning to execution and deployment while monitoring post-deployment metrics for income generation, customer acquisition, and deposit growth.
Steered core banking operations, card systems, and payment services while reporting directly to executive leadership. Managed daily functions including reconciliation, dispute handling, and card fulfillment to maintain operational continuity.
- Formulated and monitored risk and control frameworks for cards and payment operations, safeguarding customer data against fraud and unlawful acts through strict access controls.
- Directed operational inputs for bank wide projects from a cards and payment operations perspective, aligning resource deployment and strategy implementation with organizational goals.
- Authored standard operating procedures and established performance indicators for team deliverables, ensuring adherence to internal policies and external regulations.
Operated within the Core Banking System Development and Implementation Team, overseeing daily financial reconciliations and transaction monitoring functions across multiple partner platforms.
- Conducted reconciliation of Settlement and Nostro accounts, securing disposition for all variances from respective units.
- Managed daily reconciliation of customer transactions from external partners including DragonPay, GCash, Bayad, and 7-Eleven.
- Processed VISA merchant settlements, chargebacks, and Nostro reconciliations alongside BANCNET and PESONet fund transfer verifications.
- Identified, monitored, and updated FATCA status for clients while ensuring document receipt adherence against prescribed turnaround times.
- Reviewed Anti-Money Laundering Act due diligence compliance for clients prior to final account opening completion.
- Monitored returned checks and created cancellation lists for internal processing.
- Dispatched items to the Cash Management Department for destruction.
- Reconciled daily credit card payments and managed sundry suspense accounts.
- Prepared monthly vendor and outsourced company billing reports.
- Processed cash and check payments for client deposits and credit card bills while managing ATM loading and technical issue resolution.
- Reconciled client credit card payments remitted to collecting banks and processed accounts receivable withholding tax.
- Contributed documentation and evidence to support the departmental Global Internal Audit.
Education
Accounting | Trainings and Seminars Attended
- Mastercard’s Efficient Chargeback Processing Training, Singapore Organized by Mastercard 20 November 2023
- VISA’s Building Crucial Payment Expertise, Hanoi, Vietnam Organized by VISA 27 September 2019
- Anti-Money Laundering, Counter Terrorist Financing and Sanctions Organized by Standard Chartered Bank 1 January 2016
- The Write Stuff Standard Chartered Bank 08 November 2014
- Signature Identification and Fraud Detection Workshop Standard Chartered Bank 04 May 2013
Certifications
Languages
English · Professional
Tagalog · Native