01
Payment strategy & market entry
Choosing the right acquirers, PSPs and payment methods for a market — and the
sequence to launch them in. Geographic expansion research, competitor and
pricing analysis, provider introductions and negotiation support. Tier-1 and
developing markets.
02
Cost & conversion optimisation
Auditing your processing stack end to end: fees, routing, retries, cascading,
decline reasons. I've led cost programmes that saved millions annually and
lifted approval rates through structured product changes rather than guesswork.
03
Risk, chargebacks & compliance
Fraud and chargeback management systems that let high-risk businesses grow
without crossing scheme thresholds. Monitoring, rules, dispute workflows, and
the reporting to prove it's under control.
04
Payment product delivery
The product work that turns a payment decision into a shipped feature:
functional and non-functional specifications, user stories with goals,
analytics and wireframes, backlog prioritisation and grooming, product
dashboards, test documentation and execution, bug reporting and fix validation.
05
Build & ship
When a spec doesn't need a full engineering team, I build it. Internal tools,
microservices and integrations delivered end to end — specified, built, tested
and handed over — using AI-assisted development (Claude Code, Codex) to go from
idea to working service in days rather than sprints.
06
Teams & organisation
Hiring strategy, structure and ramp-up for payment teams. I built one from zero
to 80+ specialists and ran it — so this is org design and interviewing, not a
slide deck.