Brief: This role spanned three core product responsibilities:
1. Product Ownership for Visa Transaction Controls (VTC)
2. Product Management for Visa Flexible Credentials (VFC)
3. Digital Services lead for Visa Developer Center (VDC) API-based digital offerings

Across VTC and VFC, responsibilities included analysing issuer requirements, assessing enhancement feasibility, and improving understanding of the technical and operational mechanics of both products to support APAC markets.

In parallel, I led a deep exploration of Visa Developer Center APIs to identify opportunities for bundling multiple services into new product concepts. This involved evaluating API capabilities, running iterative conceptualisation cycles, and refining potential bundles that could deliver differentiated value to issuers and partners.

Brief: Led end-to-end solution design and delivery for multiple issuer digital wallet integrations across APAC, involving manual provisioning, push provisioning (direct API and VDE SDK), wallet extensions, and banking-app authentication flows. Projects also included network tokenization for e-commerce and card-on-file (COF) use cases, as well as full issuer-wallet (HCE) implementations.

Managed a portfolio of 3 to 15 concurrent projects of varying complexity, requiring deep understanding of wallet provider requirements, API specifications, tokenization frameworks, device security, authentication models, and issuer system capabilities. Acted as the key technical and functional liaison between Visa, issuers, and third-party providers to ensure solution feasibility, compliance alignment, and successful go-live delivery.

Brief: Managed a high-volume portfolio of 20–40 concurrent certification and validation projects monthly supporting financial institutions launching new cards, payment services, and digital wallet capabilities. Work spanned EMV chip card validation, issuer and acquirer host certifications, digital wallet certifications, BASEII connectivity and file validation, CyberSource transaction file processing, and release testing for core business enhancements.

In addition to certification delivery, contributed to internal engineering initiatives including the development of transaction monitoring tools, self-service testing web applications, and enhancements to automated testing frameworks to increase efficiency and reduce manual effort. Operated in a bilingual environment and coordinated closely with cross-functional engineering, product, and client teams across multiple time zones to ensure compliance, readiness, and successful market launches.

Brief: Served as the primary bridge between business stakeholders in Taiwan, the regional development team in Singapore, and project/test management teams. Responsibilities spanned the full software development lifecycle (excluding programming), including requirements gathering, functional specification development, test plan and test case review, and defect prioritisation. Ensured alignment between business needs, technical feasibility, and timely delivery of internet banking features for the Taiwan market.

Brief: Acted as the liaison between country stakeholders, the vendor, and internal teams to ensure the deployed CACS system aligned with operational, regulatory, and business requirements. Responsibilities included gathering and refining user requirements, maintaining a feature enhancement and customization backlog, preparing effort estimates with vendors, and planning phased delivery for multiple markets. Supported regional coordination to adapt the solution effectively across diverse APAC and CEMEA environments.

Brief: Contributed to the end-to-end development and rollout of national credit bureau platforms, collaborating closely with Central Banks, financial institutions, and multi-industry data providers. Responsibilities included preparing RFP responses, supporting pre-sales engagements, conducting bilingual (English/French) interpretation, gathering and refining user requirements, and customising in-house ETL tools and CBMS modules to process high-volume, multi-source data from banks, telcos, insurance companies, and other regulated entities.


Key Outcomes:

• Supported the successful launch of fully operational national Credit Bureaus, including physical bureau offices and compliant data centres hosted locally or offshore based on data localisation requirements.
• Delivered end-to-end data integration pipelines enabling the bureau to ingest, validate, and unify data from all mandated providers, forming the foundation of individual and business credit reports nationwide.
• Enabled Central Banks to establish centralised credit repositories that strengthened credit reporting accuracy, risk management, and financial inclusion across the country.
• Contributed to infrastructure that supported World Bank-aligned credit reporting standards, improving economic transparency and enabling local markets to benchmark internationally.

Brief: Served as the bridge between users and the .NET development team in delivering a fully functional MVP through iterative Agile cycles. Responsibilities included gathering and refining user requirements, translating them into clear feature specifications, prioritising the product backlog, collaborating closely with front-end and back-end engineers, and validating features as they were delivered. Conducted daily stand-ups and iteration reviews to ensure alignment and continuous progress.

The MVP was successfully launched after multiple improvement cycles, earning strong stakeholder approval from France-based clients. The system was subsequently released for global use within the bank.

Brief: Supported APAC-wide HR digital transformation initiatives during a period of major process modernisation and operational streamlining. Gained hands-on expertise across multiple HR systems, delivering training, supporting country rollouts, and eventually leading end-to-end process re-engineering projects aimed at reducing operational debt and improving efficiency.

Managed 2–3 concurrent country-level projects with durations ranging from 6 months to 1.5 years, collaborating with HR leaders, technical teams, and regional stakeholders to digitise and overhaul HR workflows from onboarding to learning, talent management, and performance cycles.

Brief: Contributed to feature development, customisation, and bug fixes on a sophisticated multi-user education platform built with PHP, MySQL, HTML, CSS, and JavaScript. Worked closely with a small development team to deliver enhancements, improve usability, and support ongoing maintenance for a high-traffic, production-ready system.

Brief: Operated in a dual-facing role bridging customers and the technical team within a family-run startup during a period of rapid SME digitalisation. Responsibilities included gathering client requirements, contributing to website and eCommerce feature development using custom enterprise applications, assisting with ERP system enhancements, and supporting end-to-end delivery of digital products tailored to small business needs.

Brief: Completed insurance product training and certification to gain domain-specific understanding, then designed and built a 0→1 Insurance Management System from scratch using PHP, MySQL, HTML, CSS, and JavaScript. The solution digitised manual policy tracking workflows, improved data accuracy, and enabled Financial Services Consultants to manage customer portfolios more efficiently.

Delivered the full product package including user training, user manual creation, and post-launch support, ensuring seamless adoption and operational continuity.

Brief: Designed and built a 0→1 web-based Event Management System using PHP, MySQL, HTML, CSS, and JavaScript. The platform enabled participants—primarily university students and young professionals—to register for events, retrieve programme information, and access event materials in a structured, centralised way. The system replaced manual coordination processes and improved communication and operational efficiency for the organisers.

Brief: Collaborated in a team of five to build a complete Java/J2EE-based system using Java Servlets and JSP. Responsibilities included contributing to front-end development, drafting technical documentation, defining the software architecture, designing the database schema, and presenting the end-to-end solution. The project followed a structured SDLC approach—from requirements interpretation to design, development, testing, and delivery. The final system was successfully completed and approved by the university.

Brief: Worked closely with the Project Manager (Founder) to gather and interpret client requirements, translate them into functional features, and implement both front-end and back-end components using PHP, MySQL, HTML, and CSS. End-to-end responsibilities included development, feature testing, and delivery of a fully functioning system. This project provided early exposure to real-world product delivery workflows within a startup environment.