PROFILE

Objective

To provide executive leadership in product strategy and portfolio ownership, driving enterprise-wide vision, innovation, and measurable business outcomes. Leveraging strategic thinking, organizational leadership, and strong executive partnerships to align technology investments with business priorities, build high-performing product organizations, and maximize long-term enterprise value.

Professional Experience Summary

21+ years of leadership and expertise in merchant acquiring payments and transaction processing, spanning merchant acquiring, issuing, and end-to-end payment ecosystems.
Lead multiple Agile delivery pods, removing impediments and ensuring consistent delivery of priority based customer-focused increments in an Scrum/Scaled Agile environment.
Deep hands-on Agile Product Ownership experience, facilitating and participating in key ceremonies including daily stand-ups, sprint and program increment planning, backlog refinement, demos, retrospectives, Scrum of Scrums, and cross-team delivery/product syncs.
Recognized payments SME, driving knowledge transfer and promoting best-practice adoption across teams and the broader business unit.
Effective relationship building with internal teams, customers, vendors, and external partners to drive alignment and outcomes.
Led the design and delivery of payment acceptance solutions with deep domain expertise, balancing customer needs, operational realities, and technical constraints.
Demonstrated program and project leadership across small-to-large initiatives, coordinating diverse stakeholders and managing competing priorities.
Collaborative, approachable leader, known for reliability, strong teamwork, and a willingness to share knowledge and elevate others.
Strong analytical and problem-solving capability, with disciplined root-cause thinking and a results-driven approach to resolving complex issues.

Professional Awards and Recognition

Annual TD Award Winner (x4)
Quarterly TD Award Winner (x7)
Patents (x3)
- US-11062548-B2 – Card reader tampering detector
- US-11127005-B2 – Network and method for clearing point-of-sale terminal pre-authorizations
- US-12008553-B2 – Session data network and method of processing session data

Professional Experience

April 2026 – Present

Product Group Owner / Merchant Solutions, Business Banking, Toronto

Lead and coach Product Owners/PODs to deliver customer value with strong Agile execution

February 2024 – March 2026

Product Owner / Payment Acceptance POD and Merchant Profile, Pricing and Settlement POD, Merchant Solutions, Business Banking, Toronto

Own two mission-critical Merchant Solutions domains: Payment Acceptance responsible for point-of-sale transaction authorization for both issuing and acquiring, and Merchant Profile, Pricing and Settlement responsible for reconciliation of transactions between our merchants and the payment card networks, and ensuring merchants are billed and paid on time.
Ensure successful delivery of high-impact initiatives including quarterly payment card network compliance releases, regulatory/code-of-conduct changes, strategic programs, and currency initiatives.
Create, maintain, and continuously re-prioritize a value-focused backlog (user stories/epics) to maximize customer and end-user value.
Provide story-level governance: define/align acceptance criteria, and accept/reject completed work based on Definition of Done.
Own defect management and prioritization, balancing stakeholder inputs and competing priorities while maintaining delivery momentum.
Serve as primary escalation point and communication hub for product changes, backlog priorities, risks/issues, and progress updates across business and technology partners.
Actively communicate product changes, priorities, and progress to business, technology, and leadership.
Partner across business, technology, and control/shared-service groups to proactively align, integrate, and remove dependencies.
Foster an Agile culture rooted in transparency, collaboration, and engagement.
Tackle unique, ambiguous problems with broad impact, using innovative thinking to shape solutions and influence technical/functional direction.
Align with fellow Product Owners and senior leaders to maintain and advance existing and new products by building and maintaining a prioritized backlog, removing delivery impediments, and continuously incorporating customer feedback.

July 2023 – January 2024

Manager / POS Development, Testing and Support, TD Merchant Solutions, Toronto

Led and developed a high-performing POS Development, Testing, and Support team, coaching and enabling team members to succeed while delivering multiple concurrent initiatives.
Streamlining processes to standardize functionality and improve cardholder/merchant experience; influenced suppliers and drove clear, achievable scope definitions across key releases and upgrades.
Drove critical cross-functional initiatives through strong vendor and stakeholder leadership, including KBB/DUKPT implementation (PCI-aligned key injection and onboarding readiness) and Axium/Boston Pizza early release (taking ownership of application evolution and issue resolution across suppliers).
Provided leadership-level decision support on strategic evaluations, playing a key role in reviewing Tap-to-Phone RFI responses, leading vendor discussions, and shaping recommendations that supported product selection.

July 2015 – June 2023

Senior Integrations Lead / TD Merchant Solutions, Toronto

Led payment network compliance programs, including impact assessment, scope definition, and delivery oversight for front-end payment acceptance solutions.
Led high-profile merchant integration programs end-to-end—owning requirements through certification, implementation, and post-launch readiness—to deliver fully functional payment acceptance solutions from discovery to launch.
Owned resolution of critical production issues impacting merchant acceptance and payment network data integrity and driving root-cause remediation.
Served as a trusted SME and advisor, providing strategic guidance, technical consultation, and recommendations to internal and external stakeholders on payment solutions and integrations.
Partnered with diverse stakeholder groups to design and deliver innovative payment capabilities, aligning business objectives, technical feasibility, and customer outcomes.
Collaborated closely with Product Management to shape roadmaps and enhancements, ensuring investment decisions were informed by merchant needs, risk, and value.
Coordinated integration and certification efforts across TD Merchant Solutions, ensuring timely delivery and adherence to merchant, regulatory, and network requirements.
Built and maintained strong cross-functional partnerships with Relationship Managers, IT leaders, Business Leads, Project and Product Managers, Sales Support, and external vendors.
Drove continuous improvement in delivery processes, recommending and implementing strategies to enhance speed, quality, and predictability of payment solution execution.

May 2012 – June 2015

Product Manager / TD Merchant Solutions, Toronto

Advised internal teams and external clients on integrated payment solutions, ensuring fit-for-purpose designs that align with business goals and operational realities.
Partnered with a broad ecosystem of stakeholders—including value-added resellers, device manufacturers, and third-party payment software providers—to deliver scalable, compliant solutions.
Led solution design and vendor collaboration, leveraging strong technical expertise to develop innovative capabilities and ensure high-quality implementation.
Accountable for end-to-end coordination of Point-of-Sale integration and certification programs, aligning internal and external teams to deliver for tier-1 and tier-2 merchant portfolios.
Directed merchant Point-of-Sale integration, certification, pilot, and rollout activities, ensuring readiness, risk mitigation, and successful production adoption.
Developed and delivered training and coaching for internal partners on payment solutions and transaction processing.

September 2005 – April 2012

IT Solutions Developer / TD Technology Solutions, Toronto

Designed, developed, and unit tested enhancements across multiple authorization system initiatives, including network compliance and feature delivery.
Authored comprehensive technical and delivery documentation, including solution design specifications (SDS), deployment strategies, release plans, and implementation/change-management artifacts to support governance and audit readiness.
Led the planning and execution of end-to-end testing—integration, system, and performance—ensuring quality, stability, and production readiness across releases.
Conducted system impact assessments for proposed changes, identifying risks, dependencies, and downstream impacts to inform delivery decisions.
Led delivery and certification of front-end payment acceptance solutions, ensuring end-to-end readiness across devices, hosts, and merchant environments.
Developed, refined, and maintained certification test scripts and automation assets, improving coverage, repeatability, and time-to-certification.
Owned device security compliance submissions, assessing required artifacts and coordinating internal approvals to meet security and brand requirements.
Provided strategic technology guidance and solution recommendations, partnering with stakeholders to enhance payment capabilities and implementation approaches.
Delivered risk assessments and impact analyses, recommending mitigation strategies and driving alignment on best-path solutions.
Built internal applications and utilities to increase delivery efficiency, including a management forecasting tool, cryptographic utilities, and a script/results repository database.
Enabled business and technology partners through training, supporting adoption of new payment solutions, certification processes, and operational procedures.
Managed key injection and key management initiatives for existing and newly introduced payment devices, ensuring secure handling and operational continuity.
Owned requirements, testing, deployment, and support documentation for device key injection solutions, supporting reliable rollout and ongoing operations.

Core Competencies and Skills

Leadership

People Management
Risk Management
Mentoring, Training, Guidance
Build Strong Communication and Relationships
Process Improvement
Design and Innovate New Products/Features/Enhancements
Project Management

Assets

Scaled Agile Framework (Scrum/Kanban)
Release management
PMLC and SDLC
Analytics, Problem Investigation and Resolution
Impact Assessment
Customer operations and support

Transaction Ecosystems

Merchant Reconciliation
Authorization, Clearing/Settlement
Payment Applications, Devices, and Host Integrations
Terminal and Card Acceptance

Payment Solutions

Fully/Semi/Standalone Integrated/eCommerce
Mobile Solutions
Pay-at-Pump
Account Funding

Digital and Standard Payments

EMV Contact and Contactless
In-App, Mobile and Form Factor
Digital Wallets and 3D Secure

Specifications and Standards

Payment Card Network Interfaces and Operating Regulations
PCI (PTS, DSS, PIN, P2PE)
Terminal Acceptance Guides
Compliance Mandates
EMV Books (Contact and Contactless)
Single/Dual Message
ACI SPDH, ISO8583
Givex and ValueLink

Payment Applications

Verifone FiPay
Eigen MiraServ
Tender Retail Multi
Bambora eCommerce
Ingenico t/CPX
Verifone XPI

Payment Security

Cryptography
Host Security Modules
Key Injection
Certificate Management

Encryption Solutions

Merchant and Payment Card Network Tokenization
End-to-EndP2PE Encryption

Networking

Firewalls
Routing
VPN/MPLS/Open

Test Tools, Simulators

ICC Solutions/UL (Collis)
MasterCard MTIP
Galitt Kanest
Visa VTS/CDET/ADVT

Semi Payment Interfaces

NBS NOIR
Ingenico Tetra

Education

2005 – Computer Programming and Analysis / Seneca College

2003 – Computer Science / York University