Description

I help e-commerce, SaaS, and digital businesses improve dispute win rates, reduce fraud exposure, and optimise payment operations across international markets.

With 18+ years of experience in payments and fraud, I’ve worked with international e-commerce, SaaS, retail, and digital businesses across 80+ countries, supporting dispute management, fraud prevention, payment operations, and PSP optimisation initiatives.

Fraud & Chargebacks:

• Chargeback & dispute management

• Fraud prevention & risk analysis

• Fraud workflows & operational procedures

• Dispute analysis & operational optimisation

• Fraud exposure reduction strategies

Payments:

• Payment operations & PSP management

• Payment acceptance optimisation

• Subscription billing & recurring payments

• Payment orchestration & provider integrations

• PSD2 / SCA / PCI-DSS compliance

I’ve helped businesses improve dispute win rates up to 90%, strengthen fraud prevention processes, optimise payment provider performance, and improve operational efficiency while maintaining healthy approval rates.

I combine strategic consulting with hands-on operational experience and work closely with Product, Finance, Operations, and Tech teams to deliver practical and scalable fraud and payment solutions.

Whether you need support reviewing disputes, reducing fraud exposure, improving payment performance, or optimising operational workflows, I can help.

Languages

Spanish
Native or bilingual
English
Fluent

Workplace preferences

Can work on-site

Madrid (up to 50km)

Allyiz
Senior Payments & Fraud Consultant
CONSULTING AND AUDITS
December 2021 - May 2026 (4 years and 5 months)
Spain
• ● Acted as Interim Payments Manager for a leading international FMCG organisation during a one-year transformation project, leading PSP strategy, payment provider optimisation, local payment method expansion, pricing negotiation, orchestration integration, and payment cost optimisation across Asia, Africa, and Latin America.
• ● Supported a global fashion retailer on chargeback, dispute, and fraud management, designing operational procedures, KPI frameworks, and analysis tools that contributed to a significant reduction in chargebacks and improved dispute win rates.
• ● Advised international sports and NGO organisations on payment strategy, fraud prevention, payment expansion, and operational optimisation initiatives across international markets.
• ● Managed PSP relationships, payment provider negotiations, and payment optimisation initiatives across multiple international projects.
• ● Coordinated a network of 70+ specialised consultants, supporting project staffing, proposal creation, and international delivery capacity.
Chargeback Management Fraud Detection Payment Operations Risk Management Payment Processing
EF English Live
Global Digital Payments & Fraud Manager
EDUCATION AND E-LEARNING
February 2020 - November 2021 (1 year and 9 months)
London, United Kingdom
• ● Designed and scaled recurring billing architecture, subscription logic, and dunning flows to improve payment collection and failed payment recovery.
• ● Led Payments & Fraud Transformation Roadmap initiatives focused on acceptance rate optimisation, payment performance improvement, and operational efficiency.
• ● Managed global PSP integrations, including Stripe, PayPal, and Adyen, ensuring PSD2 and SCA compliance across international payment flows.
• ● Collaborated cross-functionally with Product, Finance, Technology, and Operations teams to optimise customer payment experience and operational performance.
Subscription Billing Payment Processing Fraud Mitigation Stripe Payment Operations
Mango
Payments Solutions Delivery Manager
RETAIL (LARGE RETAILERS)
February 2018 - February 2020 (2 years)
Barcelona, Spain
• ● Led the global RFP and vendor selection process for the company's payment orchestrator solution, managing provider evaluation, business requirements, and cross-functional stakeholder coordination prior to implementation.
• ● Directed the transition towards an orchestrator-based payment architecture, improving scalability, provider connectivity, and payment performance optimisation.
• ● Led PSD2 and SCA regulatory implementation initiatives across digital and physical payment environments.
• ● Acted as the main payments point of contact for compliance and audit-related activities, supporting PCI-DSS and regulatory audit processes, controls, and documentation requirements.
• ● Worked closely with IT and cross-functional teams on payment optimisation projects involving payment limits, transaction flows, reconciliation, and operational efficiency across e-commerce and physical stores.
Payment Gateway Integration Payment Processing Risk Management Orchestration Ecommerce