Kati Vue **** Bryant St Westminster, CO ***** 303-***-**** acdt8w@r.postjobfree.com

OBJECTIVE

Seeking a lead business analyst or a managerial role in the credit cards or payments processing ecosystem where I can

help improve overall efficiency and grow with company.

PROFILE

? 15+ years in Banking, Financial Services, and Credit Card processing.

? Team leader who can cross-over functions with several departments to take on projects and provide support as

necessary.

? Self-motivated, problem solver, and highly capable of setting up effective priorities and taking instant decisions to

apply them to meet business deadlines and stakeholders demands.

EDUCATION

BS Business Administration, emphasis in Business Management & International Business

University of Phoenix (Graduated May 2010)

EMPLOYMENT HISTORY

MERCURY PAYMENT SYSTEMS (10/2011-Present)

Interchange Data & Revenue Sr. Analyst/Business Analytics

SME in interchange management with strong understanding of technical qualification levels. Responsible for restructuring

a stagnant pricing division by leading/training a team of 4 analysts on interchange pricing methodology and managing 1

direct report for process implementation. Strong foundation in statistics, financial planning and data manipulation using

SQL Server 2008. Analyze Card Scheme regulatory changes and ensure Card Operations remain compliant with PCI DSS

requirements.

? Partner with the 4 major Card Brands and participate in the identification/development/evaluation of business

opportunities based on the semi-annual releases.

? Provide guidance to business leaders to drive profitable growth include technical impacts, results, pricing options,

and final decision on pricing strategies. Interface with business users/stakeholders to prepare and update Business

Process Requirements (BPR) and Software System Requirements (SSR) and tracking projects with MS Projects.

? Manage Interchange expense by developing card qualification matrix to define interchange levels to troubleshoot

data elements of transactions to qualify to the best rate relative to interchange cost by identifying opportunities to

improve transaction acceptance rates and/or lower interchange, scheme fees or other transaction processing costs.

? Lead financial analysis of operating performance such as margin impact (price / cost / mix) and cost variance,

providing recommendations for improvement. Assess profit and loss statement by line item and communicates the

performance of assigned market as compared to plan, forecast, and prior results.

? Liaise with Business Analysts, Product Managers, and Project Managers to create major roadmaps, derive and

execute action plans, and meeting deadlines for implementation.

? Collaborate with QA to create UAT environment and generate test scripts for payment integrations across all

payment channels (EMV Chip, PayPal, Online PIN) and responsible for card brands systems certification signoff.

FIRSTBANK OF COLORADO (1999-2011)

Debit & Credit Cards Portfolio Analyst- Corporate Strategy (03/2007-10/2011)

Managed 11 Visa products portfolios (VS Consumer Debit, VS Classic, VS Gold with Mileage bonus, VS Cash Rewards,

VS Corporate, VS Commercial Debit, VS Commercial Fleet, Interlink Pin Debit and ATM cards, VS H.S.A, and VS

prepaid Gift cards) and 3 MasterCard products portfolios (MC Classic, MC Gold, and MC Consumer Debit) for over

600,000 cardholders and strive for successful card programs promotions under management's direction.

? Used competition pricing research, customer segmentation, and customer survey to offer most relevant card

programs rewards to cardholders resulting in an increase of 7% in profit margin year over year.

? Developed and implemented analyses supporting all portfolios to monitor activity and provide portfolio trends,

performance versus expectation, strategy validation, and forecasting for each product. Conducted financial

analysis of assigned projects, revenues, and profit totals to provide pricing and profitability analyses on the

different types of card programs.

? Performed ROI to identify cost of negotiated Visa interchange rate over the card product/program expense.

Prepared and allocated corporate budget for each bank branch based on interchange revenue (including forfeited

points, interest rates, and fees revenue).

? Created ad-hoc reports to Executive teams to compare costs over periods and customized risks reports (including

fraud and chargebacks)

Lead Personal Banker - Retail Banking Operations (08/1999-03/2007)

Management position with 5 direct reports with authority to hire, train, and discipline as necessary and ability to approve

up to $25,000 in payment transfers via cashier's check, ACH or Wire. Responsible for improving continued branch

operations and providing high quality face-to-face customer service.

? Accountable for soliciting business accounts and developing strategic alliances with clientele and successfully

increased branch performance by 25% by cross-selling commercial products and services over a period of 12

months.

? Oversaw and provided ongoing training to employees on all aspects of banking operations (deposits

reconciliations, ACH, Wires, cash balancing, check cashing policies, customer service) while conforming to

Firstbank's internal policy and Federal regulations (Anti-money laundering and Bank Secrecy Act) using online

courses from Financial Training Center.

TECHNICAL SKILLS / ADDITIONAL TRAINING

MS Office 2010 (Word, Excel, PowerPoint, One Note), MS Project, MS Visio

Database: MS Access, SQL Server Studio Management 2008

Applications: iBalance (Oracle), FirstView, SalesForce, CRM, and Merchant Accounting System (MAS) owned by Global

Payments HP, A360, and First Data.

Training: Principles of Banking, Banking Regulations and Compliance, and commercial Banking courses (Financial

Training Center)

Certifications: Commercial Products license, Banking Compliance certification (BSA, AML, Patriot Act, OFAC), PCI

DSS Compliance

Conferences: Visa, MasterCard, Discover, and Amex?s bi-annual operating regulations conferences, RSPA, and NACHA.

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