Payment Systems Builder

Helping community banks and credit unions to unlock new growth opportunities via digital payments infrastructure.

Braid

Co-Founder & CEO

Primary responsibilities include PCI-DSS and SOC compliance support.

Work along side risk and compliance head to ensure audit readiness.

Interface with external auditor during the review process. 

Implementation of ongoing controls related to digital wallet, card issuer processor, and acquiring gateway systems.

Dama Financial

Payment Consultant

Worked alongside the Chief Product Officer and Head of Technology to launch version 1.0 of a cannabis banking platform. 

Implementation of the card issuer processor including PCI DSS and SOC reviews. 

Led the initial development team as an SME and product lead.

Head of Payments

Flanking left! On to the next phase. 

Angel-backed startup setting out to help others understand how to leverage existing solutions so they can improve. 

You are closer than you think!

Reflect Payments

Founder

A tiny fintech dev shop that quietly worked behind the scenes of some pretty cool (and big) implementations. We helped others materialize their dreams, focusing on all things payments and product.

Dinky Labs, LLC

Venture backed FinTech company enabling fast, secure, contextual and conditional money movement between individuals and businesses across the globe. 

- Scope of responsibility extended to include all payment channels 
- Oversee card issuing/processing, switching, gateway and disbursement systems
- Product development and management 
- Business development and strategic partnerships
- Compliance 
- Issuing/Acquiring bank relations 
- Card association/EFT Network relations
- Oversee Ylabs Marketplace initiative

Yantra is an affiliate of CBW Bank.

Yantra Financial Technologies

Venture backed FinTech company enabling fast, secure, contextual and conditional money movement between individuals and businesses across the globe. 

- Responsible for prepaid business unit
- Oversee card issuing/processing platform 
- Product development and management 
- Business development and strategic partnerships
- Compliance 
- Issuing bank relations 
- Card association/EFT Network relations

Head of Prepaid Solutions

VC-backed FinTech company enabling fast, secure, contextual and conditional money movement between individuals and businesses across the globe. 

Products and services include:

1. International money remittance platform/processing services
2. Prepaid card issuing/processing services 
3. KYC/Fraud platform/processing services
4. ACH processing
5. Account opening/acquisition platform
6. AML platform

My primary role is business development and product.

Director of Business Development

Openbucks is an innovative Gift Card Payment Network where for the first time ever, consumers can use gift cards from trusted retail brands as payment for online games, digital goods and at ecommerce sites. Openbucks turns gift cards into a convenient online purchasing and payment method and is ideal for people who do not have a credit card or prefer not to use them when paying online.

I'm responsible for merchant acquisition which includes working alongside an in-house sales team and developing strategic partnerships with processors, payment gateways and other payment systems companies interested in empowering cash-based consumers [including unbanked and youth] to shop online.

Openbucks

VP of Merchant Acquisition & Acceptance

Openbucks is an innovative Gift Card Payment Network where for the first time ever, consumers can use gift cards from trusted retail brands as payment for online games and at ecommerce sites. Openbucks turns gift cards into a convenient online purchasing and payment method and is ideal for people who do not have a credit card or prefer not to use them when paying online.

I'm responsible for new merchant business and developing strategic partnerships with processors, payment gateways and other payment systems companies interested in empowering cash-based consumers [including unbanked and youth] to shop online.

Director of Merchant Acquisition

enStage, Inc. is a Cupertino, California based software technology and services firm specializing in developing, launching and supporting enterprise-class payment systems including card acquiring, card issuing, mobile and security applications. 

The company offers prospective customers various business models such as software licensing, outsource processing and hosting solutions. All backed by a team of industry experts and 24x7 support.

enStage

I was responsible for the development and launch of card issuing and acquiring platforms for Datavi, LLC. In this role, my responsibilities included:

- Product design and implementation
- Manage internal and external technical & development resources
- Manage vendor relationships
- Manage sponsoring bank relationships
- Oversee initial compliance projects such as PCI DSS, SAS70 and AML

Datavi, LLC

Director of Product Development

Launchpad Group, LLC provides small businesses outsourced solutions including:

- Web application development
- Website design and development
- Creative services

Launchpad Group, LLC

Managing Member

On-Line Strategies, Inc. ("OLS") specializes in the implementation of software and services related to payment processing. Typical customer requirements include payment acceptance, card issuing, 24x7x365 production support, integration of traditional and Internet-based payment solutions, and performance optimization.

I was responsible for sales and business development, with an emphasis on the company's card issuing platform and switching technology known as OLS.Switch and OLS.Host.

On-Line Strategies, Inc.

Sales Business Development Consultant

As co-founder and managing member, I was responsible for all aspects of the business including MSP/TPP certification, product development and management, operations and business development . Secondary responsibilities included member bank relations and compliance.

The company specialized in MasterCard branded prepaid products for healthcare, temporary staffing and international funds distribution.

Major Payment Systems, LLC

Co-Founder & Managing Member

Co-Founded the first MSP/ISO in my home island of Guam. I was responsible for marketing, business development and member bank relations. The company secured notable contracts with several local banks and government entities and was eventually acquired by a larger ISO based in California.

Merchants Billing Services Guam, Inc.

Co-Founder & Vice President

The company provided small  business utility invoicing and billing solutions. An initiative to electronify a client's billing and payment system led me to the payments industry. I have not looked back since.

Randy San Nicolas