John J. Dorris

**** ****** **** **** **** Phone: (561) 436-

9244

Lake Worth, FL 33463 Email:

acb7j5@r.postjobfree.com

SUMMARY: A credit card operation's specialist with twenty-five years

(25) of experience in a multi-risk environment (traditional, sub-prime, and

high-risk markets). Over fifteen (15) of these years are with Applied Card

Systems / Applied Bank. Issuer and Acquirer experience / responsibility in

several departments including association management, audit,

authorizations, chargebacks, collections, credit, customer service, ISO

relations, payment processing, project management, relationship management,

risk management, settlement, and system design.

PAYMENT PROCESSOR (Platform) EXPERIENCE:

First Data

TSYS

Global Payments

Certegy

WORK EXPERIENCE:

Applied Card Systems / Applied Bank, Boca Raton, FL

June 2008 - August 2013

Director (Jan 2012- Aug 2013)

Executive Vice President Merchant Services (June 2008 - Dec 2012)

. Developed and implemented the start up plans including policies and

procedures for a merchant portfolio on First Data and TSYS including

an ISO/Agent program.

. Assisted in the negotiating of pricing for First Data Acquiring

services and TSYS Acquiring Solutions

. Implemented backend settlement platforms for First Data's North and

Omaha as well as TSYS

. Established Front End Networks with Omaha, North, Nashville, &

Buypass.

. Implemented PIN Debit processing and relationships with the Debit

Networks (i.e., STAR, NYCE, ACCEL, PULSE, CU24, Interlink, Maestro,

etc)

. Implemented a PINless Debit infrastructure that yielded over $350K in

annual Interchange savings for the merchant portfolio.

. Oversaw Issuer and Acquirer conversions from the First Data platform

and TSYS platforms

. Developed an internal Merchant Cash Advance product for Applied Bank.

. Implemented authorization strategies that reduced losses on the

Issuing side.

. Implemented application processing prevention reports as well as rules

strategy for the company's automated application system.

. Reviewed and updated Collection Strategies maintained within PCF

settings.

. Updated prevention reports to be more effective on reducing fraud

losses.

. Created and updated Business Continuity Plans for Merchant Services,

Card Security and Charge back departments.

. Maintained relationships between our affiliate member bank (Applied

Bank) and the Associations and Payment Platforms.

. Responsible backup for our FDR Development department, which includes

PCF and Adaptive Control settings on First Data.

. Responsible for the overall departments of Underwriting, Risk,

Customer Service and ISO relations for the Merchant department.

. Responsible for Card Security and Charge backs departments for the

Issuing portfolio including Case Investigations, Fraud Prevention and

Cardholder Disputes.

. Responsible for ACH returns resulting from R07, R10, and R29 reasons.

. Assisted in the system redesign of our ACH and Payment System for both

Check 21, Check Conversion, and ACH.

. Created negative databases and oversaw fraud detection rules for all

ACH payments.

Credomatic of Florida / BAC Credomatic Group, Miami, FL

April 2004 - June 2008

Vice President of Merchant Services

. Converted US merchant portfolio to TSYS Acquiring Solutions producing

a 35% increase to income

. Increased the US Merchant portfolio's monthly sales volume by 135%

. Maintained relationship between our affiliate member bank (BAC Florida

Bank) and the Associations.

. Primary liaison with all third party vendors

. Responsibilities include managing the Merchant Services Division

. Created policies and procedures for the Risk, Underwriting, and

Customer Service departments

. Developed fraud prevention rules for merchant processing that was

implemented for all divisions of the BAC Credomatic Network (6

Countries).

. Negotiated all contracts for external clients and customers concerning

Merchant Services

. Enhanced the Merchant and ISO Agreements

. Implemented PIN Debit processing and relationships with the Debit

Networks

. Implemented an in-house POS Check program with Visa and ECHO

. Implemented an in-house Gift and Loyalty program with TSYS

. Implemented a merchant cash advance solution for our portfolio

. Identified and implemented corrective actions on operational

weaknesses which turned operational losses into profits.

. Oversaw daily and month end settlement reporting including residual

calculation

. Developed and implemented projections and budgets for the Merchant

Services Division

. Implemented a marketing campaign to increase portfolio volume by

establishing ISO/Agent, Bank and Vendor relations.

. Implemented Dynamic Currency Conversion for existing portfolio.

. Assisted with Interchange qualification testing and research for

proprietary back-end settlement system for US and International

merchants.

. Created and updated Business Continuity Plan for Merchant Services

division.

PayRight Merchant Services, Deerfield Beach, FL

April 2003 - April 2004

Vice President of Risk Management

. Developed and implemented the start up plans for a merchant portfolio

on FDR including all PCF settings

. The creation of Policies and Procedures for Credit & Risk including

management reporting

. Responsibilities include managing the day-to-day operations of the

Collections, Credit and Risk departments.

. Primary liaison with Chase Merchant Services.

. Responsible for residual calculation and reporting.

North American Bancard, Troy, MI

February 2002 - April 2003

Vice President of Risk Management

. Manage a portfolio of over 10,000+ active merchants with monthly

processing volumes over $80 million dollars.

. Responsibilities include managing the day-to-day operations of the

Collections, Credit and Risk departments.

. Worked with our Marketing Department to increase our application

submissions and approvals by 180% since February 2002.

. Reduced our basis point on losses while maintaining a 140% growth in

volume since February 2002.

. Liaison with our processor, Global Payments.

. Liaison with our new and existing sub ISOs (agents) concerning

Underwriting and Risk.

Applied Card Systems / Applied Bank, Wilmington, DE - Boca Raton, FL

November 1992 - February 2002

Assistant Vice President

- Director of Merchant Operations

. Responsibilities included overseeing the day-to-day operations of the

Credit, Customer Service, Chargebacks, Fraud, and Settlement

departments for the Merchant Division.

. Developed and implemented the start up plans for the Merchant Division

including the creation of Policies and Procedures for all departments

including management reporting.

. Designed the Application Processing System for the Merchant Credit

Department as well as developed the underwriting criteria and reserve

procedures.

. Assisted in the development of the marketing program as well as the

design of the Cross Country Bank's Merchant Webpage.

. Managed all existing ISO relations.

. Processor liaison with First Data Resources (Omaha and Nashville

platforms).

. Liaison on all Acquirer issues with Visa and MasterCard.

- Director of Credit Card Security and Chargebacks

. Responsibilities included overseeing the day-to-day operations of the

two departments.

. Designed and implemented numerous prevention reports for the Security

Department to reduce not only the fraud charge off rate but also the

credit charge off rate.

. Maintained a fraud charge off rate of less than 1 basis point.

. Set up an automated chargeback process for known high-risk

transactions.

. Assisted in the implementation of a Chargeback queue for identifying

and expediting chargebacks for potential high-risk transactions.

- Additional Assignments

Director of Support Services

Director of Night Time Operations

Special Operations Management Task Force

Director of Disaster Recovery

Sr. I.T. & Operational Auditor

Project Manager for Collections

Director of Physical Security

The Bank of New York, Newark, DE

August 1992 - November 1992

Mellon Bank, Wilmington, DE

September 1988 - August 1992

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