Chona Torrecampo

Results-driven Payments and Settlements professional with over 10 years of experience across fintech, digital assets, banking, and financial services. Proven track record in managing end-to-end payment processing, reconciliation, and settlements for high-volume transactions, including crypto and FX. Skilled in ensuring accuracy, compliance, and operational efficiency while identifying process improvements and mitigating risks.

Experienced in leading cross-functional teams, coordinating with stakeholders, and delivering data-driven insights to support business decisions. Adept at handling complex operations, resolving discrepancies, and maintaining high service standards in fast-paced environments.

Payment Analyst at Enstack (2024-05 – Present)

• Processed and reconciled payment transactions, including disbursements and refunds
• Verified accuracy and completeness of supporting documentation for all transactions
• Monitored payment systems to ensure timely and accurate processing
• Maintained and updated transaction databases with proper data verification and backups
• Investigated and resolved payment discrepancies and issues
• Collaborated with customer support to address payment and fraud-related concerns
• Tracked payment and fraud metrics, providing insights and recommendations for improvement
• Prepared regular reports on payment performance and fraud activities
• Stayed updated on industry trends in payment processing and fraud prevention

Settlements Senior Officer at Philippine Digital Assets Exchange (PDAX) Inc. (2022-03 – 2024-03)

• Oversaw daily operations of a high-visibility, cross-functional settlements team, handling payment/disbursement approvals, crypto/digital assets, FX, and financial transactions
• Performed account balance monitoring and reconciliation to ensure accuracy and integrity of records
• Identified and implemented process improvements to enhance efficiency and optimize resources
• Supported management in developing team strategies aligned with organizational goals
• Guided and collaborated with team members on daily operations, growth initiatives, and ad hoc tasks
• Coordinated with internal teams and external stakeholders, including banks, vendors, regulators, and auditors
• Assisted in risk identification, control management, and audit (internal and external) compliance activities
• Interpreted and applied industry updates to internal systems and operational processes
• Managed multiple complex projects independently while maintaining service levels and daily deliverables
• Executed end-to-end settlements for OTC crypto trades, foreign exchange (FX), and cash transactions

Operations Manager at First Global Transit Inc. (2017-10 – 2021-12)

• Oversaw end-to-end team operations and transaction workflows
• Monitored and reviewed merchant-submitted transactions to ensure accuracy and compliance
• Handled merchant inquiries via chat and email, providing timely resolutions
• Reported directly to the CEO on daily operations, merchant issues, and system performance
• Coordinated with the development team to support and improve transaction-processing systems
• Liaised with suppliers regarding SEA accounts for fund safekeeping and transaction processing
• Conducted User Acceptance Testing (UAT) prior to system and feature implementation
• Generated daily deposit and payout reports, including analysis and reconciliation for SEA and crypto transactions
• Reviewed and validated SEA accounts provided by suppliers
• Prepared performance evaluations to support employee appraisals and promotions

Financial Service Analyst - Supervisor at First Global Transit Inc. (2016-07 – 2017-10)

• Supervised staff and assigned tasks based on individual skills and capabilities
• Monitored merchant-submitted transactions to ensure accuracy and compliance
• Handled merchant inquiries via chat and email, providing timely support and resolution
• Trained and onboarded newly hired employees
• Prepared daily payout reports, including transaction analysis and reconciliation

Senior Financial Service Analyst at First Global Transit Inc. (2015-11 – 2016-07)

• Provided merchant accounts for top-up and replenishment requests
• Prepared daily payout reports, including transaction analysis and reconciliation
• Monitored cash flow by preparing hourly balance reports
• Handled merchant inquiries via chat and email, ensuring timely support and resolution
• Performed reconciliation of assigned accounts to ensure accuracy and completeness

Financial Service Analyst at First Global Transit Inc. (2014-11 – 2015-11)

• Utilized multiple computer applications to access data and monitor transaction activities
• Reconciled deposit transactions and investigated discrepancies to ensure accuracy
• Performed bank-to-bank transactions as part of daily operational requirements
• Handled merchant inquiries via chat and email, providing timely support and resolution

Customer Service Representative - Teller at Metropolitan Bank and Trust Company (2013-05 – 2014-08)

• Processed over-the-counter transactions, including deposits, withdrawals, bill payments, and loan payments
• Reviewed cheque transactions and verified the authenticity of cash and banknotes received
• Promoted and cross-sold bank products and services to customers
• Processed new account openings, including payroll, savings, and checking accounts

Encoder at Charter Ping An Insurance Corporation (2012-04 – 2012-08)

• Processed insurance policies associated with bank loan accounts, ensuring all required information and documentation were complete and compliant with internal policies and regulatory standards
• Coordinated with relevant departments and stakeholders to secure necessary approvals for issued insurance policies, ensuring timely processing and accurate policy activation
• Verified policy details and supported end-to-end processing to ensure alignment with loan account requirements and customer agreements
• Monitored policy status and followed up on pending approvals to ensure efficient completion of insurance processing workflows

General Clerk at Charter Ping An Insurance Corporation (2011-07 – 2012-04)

• Encoded and updated records of active and delinquent bank loan accounts, ensuring accuracy, completeness, and timely reflection of account status changes in the system
• Maintained and updated monthly premium rates, ensuring all adjustments were properly encoded and aligned with approved schedules and policy guidelines
• Provided administrative and operational support in facilitating policy approvals, ensuring all required documentation and requirements were complete prior to endorsement
• Assisted in coordinating with relevant teams to resolve discrepancies and ensure timely processing of loan and policy-related updates

Bachelor of Banking and Finance in Banking and Finance – POLYTECHNIC UNIVERSITY OF THE PHILIPPINES (2007-06 – 2011-05)