Processing growth supported
Strengthened decisioning and exposure controls while enabling significant portfolio expansion.
Senior credit risk & payments executive
Risk decisions built to protect and enable growth.
I bring commercial-bank underwriting discipline into fast-moving payments environments—combining direct credit judgment, transaction-level intelligence, and pragmatic controls across merchant acquiring, fintech, and global portfolios.
San Francisco, California
Bay Area hybrid or remote
Selected impact
Measured outcomes, not ornamental process.
Lower net exposure
Used risk monitoring and capital-efficient security structures to reduce enterprise downside.
Faster credit approvals
Redesigned cross-functional underwriting and onboarding workflows.
Recoveries generated
Led distressed-credit, bankruptcy, workout, and recovery strategies across complex merchants.
Where I work best
At the intersection of judgment, data, and execution.
Executive scope without losing proximity to the credit work itself. My strongest contribution is translating complex exposure into decisions that commercial, product, compliance, and operations teams can execute.
Credit & underwriting
Financial statement and cash-flow analysis, credit policy, approval authority, exposure limits, collateral, reserves, guarantees, and conditional approvals.
Payments risk
Merchant acquiring, PayFac and PSP oversight, settlement and liquidity risk, future-delivery exposure, cross-border portfolios, fraud, and chargebacks.
Portfolio intelligence
Early-warning frameworks, transaction monitoring, concentration analysis, risk appetite, executive reporting, Power BI, SQL-derived analysis, and escalation.
Risk transformation
Operating-model design, workflow automation, governance routines, audit and regulatory readiness, and AI-enabled decision support within appropriate controls.
Operating philosophy
Replace binary risk decisions with structured paths to “yes.”
Limits, reserves, collateral, guarantees, settlement controls, and monitoring can turn a decline into a defensible approval—without disguising or displacing the underlying risk.
Consulting engagements
Senior risk judgment, matched to the work at hand.
Engagements are structured around the decision, control gap, or operating challenge—not simply hours consumed. The ranges below provide a practical starting point for Bay Area and remote clients.
01
Targeted advice
Executive advisory
From $325 / hour
Focused guidance on a credit decision, policy question, portfolio issue, partner discussion, or risk-control design.
- Four-hour engagement minimum
- Pre-read and concise recommendations included
- Best for bounded, time-sensitive questions
02
Hands-on working time
Executive working session
From $2,500 / day
A concentrated working day to assess exposure, pressure-test a program, facilitate decisions, or advance a critical deliverable.
- Up to eight hours in one day
- Remote or Bay Area on-site
- Written decisions and next steps included
03
Defined outcome
Diagnostic or project
From $12,500
A fixed-scope engagement with clear deliverables—for example, an underwriting diagnostic, exposure review, policy build, or operating-model redesign.
- Milestones, deliverables, and assumptions agreed upfront
- Typical diagnostic: two to four weeks
- Larger transformations quoted by scope
04
Embedded leadership
Fractional risk leadership
From $15,000 / month
Ongoing senior ownership when a company needs experienced credit and payments-risk leadership without a full-time executive hire.
- Usually one to two days per week
- Three-month initial commitment
- Governance, decision support, and team enablement
How scope is set. Final fees reflect complexity, urgency, stakeholder load, travel, and the degree of implementation ownership. Independent contractor expenses and applicable travel are agreed separately.
Discuss an engagementExperience
A career spanning payments, fintech, and commercial credit.
2018—Present
Weitl Enterprises LLC
Payments & Risk Management Consultant
Advisory work across payments risk, credit underwriting, enterprise risk governance, regulatory compliance, portfolio controls, and AI-enabled risk capabilities.
2012—2025
Worldline
Senior Credit Manager, Key Accounts — North America
Senior Director-level scope for merchant credit strategy, direct underwriting, exposure management, and portfolio governance across the Americas and Europe. Served as senior credit authority in approximately 39 acquiring-bank and processor examinations and certifications.
2010—2012
First Republic Bank
Senior Program Manager (Contract)
Led commercial-credit process transformation in a regulated bank, reducing average onboarding cycle time from approximately 21 days to 10.
2008—2010
McKesson Corporation
Director of Credit
Directed credit decisioning and portfolio risk management within an approximately $17.5B accounts-receivable portfolio serving pharmacy, healthcare, and hospital relationships.
2004—2008
Bank of the West
Vice President, Commercial Credit Officer
Managed and underwrote an approximately $350M upper-middle-market C&I, commercial real estate, and nonprofit portfolio, with independent credit authority up to approximately $15M.
Connect
Let’s make complex risk actionable.
For consulting engagements and senior credit risk, payments risk, underwriting, or portfolio leadership opportunities.