Senior Vice President and Head of Global Payments Strategy @ Transaction Network Services
Chief Operating Officer (COO) @ TabbedOut
Vice President - Innovation, Mobile & Advanced Solutions @ First Data Corporation
Business Solution and Product Development Manager with a unique skill set combining Mobile Technology, Corporate Development, Solution Design, Relationship Management and Financial Analysis. Seasoned professional with progressive experience in diverse positions in rapidly changing business environments, from social media companies, internet titans, international conglomerates and Silicon Valley start-ups. Proven ability to understand and implement strategies to build
Business Solution and Product Development Manager with a unique skill set combining Mobile Technology, Corporate Development, Solution Design, Relationship Management and Financial Analysis. Seasoned professional with progressive experience in diverse positions in rapidly changing business environments, from social media companies, internet titans, international conglomerates and Silicon Valley start-ups. Proven ability to understand and implement strategies to build businesses, launch products, enhance operations, increase efficiency and reduce costs.
Chief Revenue Officer @ The mission of TabbedOut is to fundamentally change the way customers of restaurants and bars settle their bills, as well as provide new marketing and loyalty options for the hospitality industry.
TabbedOut is a mobile application and Point of Sale platform that allows consumers to pay their bar or restaurant tab from their phones. TabbedOut was created by security software and payment card experts to bring mobile payments to the hospitality industry. Our POS integrations allow merchants to seamlessly accept mobile payments, capture valuable guest history, and develop deeper loyalty with their customers.
-Know your customers by having access to your customers’ order history and preferences.
- Manage customer feedback by receiving private, real-time comments, and respond before they get to sites like Yelp and Google Local.
- Reach, Reward, and Track by rewarding loyal customers and engaging first-time or lapsed customers.
- Track redemption and know where to best spend your money to successfully grow your business. From March 2014 to Present (1 year 10 months) Greater Atlanta AreaVice President - Innovation, Mobile & Advanced Solutions @ First Data is a global technology leader in electronic commerce. With operations in 37 countries and 24,000+ employees, First Data serves more than 5.4 million merchant locations and more than 2,000 card issuers.
Individual contributor and manager of the Strategic Solution team (Atlanta, Palo Alto, Austin, Omaha, London) responsible for creation, execution and management of key Mobile Commerce, Innovation, Loyalty and Personalized Marketing initiatives and strategies.
Negotiated 4-Party deal and led the launch of Google Wallet (Google, Citibank, MasterCard, Sprint, First Data) by providing the world’s first commercial scale TSM, a completely virtual Prepaid platform and merchant NFC terminalization technology.
Launched the OfferWise (Card Linked Services) product by concluding deals and completing integrations with many (60+) loyalty, deal, offer and coupon publishers including Foursquare, TrialPay, Google, Microsoft, WhaleShark, Affinity, Thanx and ScoutMob,
Negotiated platform deal and managed relationship with CardSpring to support entry into multi-publisher loyalty, deal and coupon ecosystem.
Supported launch of FD Universal Commerce solution sets to ignition partners such as UniCredit Bank inclusive of QR Code and QR Tag Solutions, Card Vault and Remote Payment capabilities.
Successfully negotiated and launched a major Financial Institution's participation in the ISIS Wallet (AT&T, Verizon, T-Mobile) using First Data’s SourceConnect TSM capabilities. From June 2008 to March 2014 (5 years 10 months) Greater Atlanta AreaVice President - Shared Services Technology PMO @ Individual contributor and manager of Product and Project Managers (Denver, Omaha & NY) responsible for the execution of strategic initiatives for Human Resources, Marketing and Legal.
Successfully introduced a new corporate brand emphasizing the changed direction and ownership of the company by re-vamping and re-launching the corporate Internet (www.firstdata.com) and Intranet sites.
Generated an estimated $2.7mm in cost savings over three years by launching a new international talent acquisition system fully integrated into the HR back office.
Saved an estimated $1mm per annum by implementing an automated contract management system.
Promoted corporate collaboration, leveraged technology and enhanced the strategic partnership with Microsoft by releasing 50+ applications developed with SharePoint, Java and .Net. From November 2007 to June 2008 (8 months) Greater New York City AreaVice President – Mergers and Acquisitions @ M&A activities including prospect development, contract negotiation, due diligence, financial modeling and valuation (discounted cash flow, comparable trading and transaction multiples, accretion/dilution). Conducted strategic and tactical analysis of country market structures to identify optimal entry points. Managed consensus building amongst diverse deal teams and gained approvals from regional management and the Board of Directors.
Successfully entered the Irish payments market achieving 45% market share with 30k merchants by developing, negotiating and closing a complex purchase and partnership with the largest domestic bank, Allied Irish.
Expanded presence in Italy capturing 19k merchants and 7% market share by purchasing a 49% stake in Banca Nazionale del Lavoro’s merchant business and negotiating a 10-year partnership agreement.
Managed the due diligence, valuation model and settlement agreement for the acquisition of GZS, Germany’s leading processor of card-based payment transactions.
Structured the terms and acquisition of Check Forte Processamento de Dados, a payment processing company in Brazil. From May 2002 to November 2007 (5 years 7 months) Greater New York City AreaVice President - Product Design, QA and Strategic Integration @ SurePay LP offered end-to-end eCommerce payment products in the Business-to-Business (B2B), Business-to-Consumer (B2C) and Mobile Commerce markets.
Managed two departments in Product Design/Strategic Integration and Quality Assurance/Production Support. Developed the B2C and B2B Payment Gateway including business requirements, project plans, functional specifications, traceability matrices, test cases and implementation plans. Provided technical due diligence on prospective acquisitions as well as prospect development and sales support for major clients and partners.
Delivered on the company’s strategy by successfully managing the release of two versions of the B2C Payment Offering and three versions of the B2B Payment Offering, on time and within budget.
Enabled the company to address the small online store market by managing technical integrations and partnerships with Yahoo!, Intuit, Excite, Verisign, Entrust, IBM and Register.com.
Reduced merchant setup time by 75% and enabled businesses to apply online by designing and implementing a patented (7,103,570) Web based application for account activation. From April 2000 to May 2002 (2 years 2 months) Vice President – Product and Project Development @ Project managed four year effort to reengineer all account acquisition and credit decision processes.
Reduced set-up time 90% and costs 50% and improved cash flow by four days by designing new systems and automating manual processes. The patented (6,135,349) application suite, still in operation today, has resulted in many millions in positive bottom line impact.
Reduced underwriting costs 50% by developing, in conjunction with Fair Isaac, the industry’s first suite of scorecards to systematically determine credit decisions on merchant accounts. From December 1996 to April 2000 (3 years 5 months) Greater New York City AreaAssistant Vice President – Credit Policy Manager @ Performed credit risk due diligence on Alliance Bank portfolios, including review of significant risk accounts, adherence to policy and client migration risk analysis. Provided financial forecasts for credit and fraud loss provision accounts. Prepared reports and presented analysis to Sr. Management and Bank partners on portfolio performance. From January 1995 to December 1996 (2 years) Manager - Community Lending @ Project Manager developing and implementing underwriting and portfolio risk management applications. Managed staff of two developing and analyzing financial reports on commercial loan performance ($500MM portfolio). Also responsible for department automation requests. Streamlined Home Equity application tracking by developing and implementing a database solution. Ensured compliance with Federal Reserve Bank Regulation-O Insider exposure reporting by developing a data warehouse and report package for the Audit department. From August 1989 to July 1994 (5 years) Greater New York City Area
BS & MBA, International Finance @ Saint John's University From 1988 to 1994 George Zirkel is skilled in: Mergers, Mobile Payments, Credit, Financial Analysis, Electronic Payments, Mergers & Acquisitions, Business Development, Payment Card Processing, Project Management, Product Management, Vendor Management, Financial Risk, Payment Systems, NFC, Analysis, Strategy, Portfolio Management
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