Gaëlle Marie

Key Responsibilities and achievements

• Prepare and provide the KPIs for the Client Services and Payments team on a quarterly basis. For example:
  1) Develop a metric to quantify the number of queries resolved through emails and a SaaS such as Freshdesk – To resolve +30 queries within 36 hours of receipt over 5 workdays
  2) Develop an excel MACRO which automatically cross-check all relevant fields for transfers from the company’s system to the banking platform, hence lowering the process time from a half day to 21/2 hours increasing the client satisfaction

3) Automate the payment process by Q3 by working closely with the product team and the banks to understand the requirements to process payment through swift transfers which would provide us with the MT103

• Prepare and provide the leadership team with the overview of the progression of the KPIs while explaining what the leakages and limitations come from.
• Create and use a SaaS which would be the team’s main point of review for their goals and the team goals aligned with the company’s objectives. For example:
  Using Monday.com, the team will be able to add comments, status such as ‘complete’, ‘Working on it’ and this would provide transparency to the actual progress of KPIs
• Assistance to commercial team, sales support team and other teams on the best practices to avoid delays in payments and queries. For example:
  1) Provide the teams with the limitations of the pay-out cycles and credit day for all local and international currencies.
  2) Provide details of correspondent banks and fees applied outside the company’s window.
• Implementation of strategies to adap to economic trends during Covid. For example,

Due to the high rates of refunds/chargebacks for travel companies and the low sales volume, some of their accounts turned into negative hence I analyse their daily refunds/chargebacks which would be covered by their reserves balances and by their other negative balances.

• Collaborate with the Treasury team to provide the funds to be transfers per currency and how to allocate the fx rate where possible. For example:
  $1M to debit early morning the next day and if there’s insufficient funds on the USD account, an exchange rate will be provided using the Central’s bank rate or best rate as per bank or other financial institutions.
• Review the banks accounts in the morning to allocate funds for processing and apply an exchange rate where possible.
• Qualify employee’s satisfaction using Peakon to understand their needs, worries and questions which would be anonymously asked, if wanted and having bi-monthly 1-to-1 meeting.

Key Responsibilities and achievements

• Process payments on the different banking platforms daily and ensuring accuracy of inputs by cross-checking before sending out
• Taking ownership of the full portfolios for MENA merchants and act as the second point of contact after their Relationship Manager
• Work closely with banks with regards to evidence of invoices, beneficiaries and equally other non-related irregularities such as excess fees debited from the company’s account.
• Optimise the reconciliation and investigation rate by creating an excel macro which would link payments to MIDs. For example:
  USD1000 has been settled to MID 123456 for processing period 01/12 to 06/12 from the company’s system while only USD850 has been credited to us regarding the said MID and hence, I will investigate on the matter
• Prepare and provide the commercial team with the pricing model related to the UAE and the GCC banks such as FAWRY, SABB, Omannet and Knet. For example:
  1) If the company’s using SABB as a gateway to process locally, SABB would be invoiced against a certain rate while they would settle merchants on their own, hence we would need to ensure that merchants have access to all the data and can approach the bank directly for any query.
• Assist merchants through face-to-face meetings, calls, emails on their queries, which helped to resolve 85% of tickets, which would be 42 tickets over 50 closed within a week from receipt
• Work with the global accounting team to understand the new UAE VAT of 5% and produce a standard template based on the FTA’s requirements
• Assist merchants in understanding and reconciling their transactions using the API system
• Created and compiled procedures for the different scenarios in merchant’s account change. For example:
  Procedure in relation to termination of account where several teams would need to assist such as legal, commercial, compliance, risk and finance team.
• Prepare invoices based on negative balances, amount owed for processing to acquiring banks, tax invoices for Tier 1 merchants

Key responsibilities and achievements

• Prepare daily statements based on the volume provided by the system – Include calculation of fees based on card processing, application of FX rate between processing and settlement currency and other requirements as per agreed contract
• Set up on a record system for pricing and bank account details as per contract and addendum where necessary. For example: Creation of bank accounts on the different banking platforms such as Barclays, Catella, SAXO and others
• Responsible to prepare and review VISANet VSS-110 and Mastercard ICA 14979 report daily and process payments of any amount owed to the acquirers
• Processing of payments to merchants based on prepared and reviewed statements
• Prepare agent statements – Agents would be helping the company to reach new merchants and markets against a commission
• Monthly filing for DCI* Scheme processing through the globalnet portal based on retrieve figures from the company’s system
  *Diners Club International
• Quarterly filing for VISA/Mastercard and Ideal on the volume registered on the company's side, the number of merchants as per their MCCs.
• Prepare Tiers rate refund for specific merchants as per agreed contract. For example:
  If the merchant processes above USD2M the previous month, a rebate of 0.5% on a certain fee such as auth fees or others.

iQera – Mauritius

• Responsible for shops in the south of France for record of their Sales and Refunds using SAP F-28, F-27 and F-32
• Interact with shops through emails and phone calls to investigate on any discrepancy with their sales. For example:

A missing cash envelope registered on the bank side but not in the system

• Collaborate with local French banks such as BNP Paribas, Credit Agricole to ensure that transfers have well been received on their side and inform of the accounting team of the confirmation of credit from the bank post email of confirmation from the banks.

A cash envelope of EUR5000 has been recorded on the system by the shop owner but there are delays in the credit of the amount in the company’s account.
Such situation will require proof of transfer by the bank which is the receipt of the cash-in on the ATM or collection by the Brinks

• Investigate with the Brinks for any missing envelope which could result from a robbery.

• Responsible for a credit portfolio of +100 clients around France, Belgium and Italy
• Ensuring that payments are received on time by getting payment confirmation through call and emails
• Responsible for monitoring receipts from banks to ensure that records debits/credits are balanced, and negative amounts are netted off.
• Recovering payments while keeping a good relationship with clients.

• Attended and actively participated in weekly legal department meetings.

• Supervised appointment scheduling for 5 attorneys and made adjustments and changes through application

• Gained valuable insight into regulations and policies associated with commercial law

• Took part in meetings both internal and at clients' locations

• Performed legal and general research, drafting memoranda and correspondence