Curtis Tran

Director of Product at Paybotic Financial (2022-01 – Present)

Architected and launched a 0-to-1 BaaS Commercial Banking platform, integrating sponsor-bank core systems and DDA rails to sustain $6M+ in customer deposit portfolios.
Delivered a Pay-by-Bank product and scaled to 17,000+ users and 50 participating businesses, expanding payment acceptance across e-commerce, POS/terminal hardware and electronic invoicing through API and gateway integration patterns and merchant onboarding flows.
Defined product roadmaps for 5 product lines that deftly navigated yearly compliance audits, processors' outages and migrations, sponsored bank and vendor migrations with zero operational disruption.
Standardized omnichannel API architecture and developer endpoints across POS hardware, e-commerce checkouts, and invoicing workflows, maintaining 99.9%+ uptime and sub-second authorization latency.
Integrated NACHA, BSA/AML, and PCI-DSS compliance frameworks into the core product lifecycle, implementing automated velocity controls and return-risk evaluation logic.

Operation Manager at Paybotic Financial (2019-10 – 2022-01)

Led revenue growth from $1M to $30M YOY and scaled product operations to support portfolio growth from 50 to 400 business customers by formalizing onboarding and implementation playbooks and SLAs.
Established strategic payment processor partnerships and implemented alternative routing for high-risk merchant categories, achieving ~90% approval rates and continuous processing availability for most of the client portfolio.
Spearheaded launch of a new terminal and payment gateway, stabilizing operations by reducing service outages by 75% and cutting equipment return rates by ~90% through coordinated release management, QA and field troubleshooting.
Developed a new payment gateway and coordinated transition of hardware and settlement reporting for 400 retail locations, standardizing reconciliation and settlement workflows with sponsor-bank partners and overseeing deployment and commissioning workflows.

Process Engineer Manager at Proctor & Gamble (2018-09 – 2019-10)

Executed a process transformation that reduced product market release latency by 66% (from 72 to 24 hours) with zero quality defects, capturing $2M/month in manufacturing cost reductions.
Engineered data-driven operational control strategies that eliminated asset downtime, achieving a continuous six-month run of 'Perfect Operating Days' with flawless safety and quality metrics.
Spearheaded lean resource allocation and workflow optimization across mixing and packaging lines, driving an additional $50,000 cost reduction in under six months.
Maintained the manufacturing site's top-tier operational rating by managing compliance frameworks, mitigating risk, and aligning multi-disciplinary team efforts.

Operation Manager at CoderSchool (2018-01 – 2018-09)

Scaled student enrollment and revenue velocity by 100% by designing and deploying an integrated CRM pipeline spanning marketing, sales, classroom operations and career placement.
Built enterprise partner ecosystem with local tech companies, securing an 80% employment placement rate for graduates.
Delivered a complex 10,000 sqft campus infrastructure project on time and on budget, managing multidisciplinary vendors to a strict three-month milestone schedule.

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