I’m a Product Leader who actually enjoys the "heavy lifting" of fintech—the complex infrastructure, the legacy migrations, and the high-stakes security that most people avoid.
Experience
2021 — Now
2021 — Now
San Jose, California, United States
I lead the product strategy for value-added services within PayPal Complete Payments (PPCP). My role is to bridge the gap between high-level merchant needs and the deep technical architecture required to move money securely at scale.
• Global Vaulting & Tokenization:
I own the product lifecycle for our merchant vaulting system (Card, Bank, PayPal, Venmo, Apple Pay, and Google Pay) and Tokenization-as-a-Service. These solutions are built to optimize authorization rates and manage the full payment lifecycle (LCM) so merchants don't lose revenue to expired or lost credentials.
• Monetization & Commercial Strategy:
I don't just build the product; I ensure its commercial viability. I work closely with the Pricing Strategy team to define how we monetize these value-added services, balancing market competitiveness with PayPal's revenue goals.
• Cross-Functional Navigation:
Launching a product at PayPal’s scale requires navigating immense complexity. I lead the end-to-end release process—partnering with Risk and Compliance on security standards, working with Legal on user & merchant service agreements, and aligning with GTM and Marketing for global press releases.
• Operational Readiness:
I take a hands-on approach to launch success. This includes working with Tech Writers on product & API documentation, collaborating with E2E Test teams to ensure stability, and training our Integration/Sales Engineers and Commercial teams so they are fully equipped to support the product on day one.
2017 — 2021
2017 — 2021
Foster City, California, United States
Technical SME in Payment Processing
• Provided guidance and knowledge sharing with fellow TPM and developers on:
• ISO8583 standard in financial service message format.
• Value added service such as Bin Lookup.
• Credit Card, eCheck, and Alternative Payment integration and transaction processing.
REST API & Developer Platform
• Drove critical initiative with several functional teams to deliver REST API conversion from 60+ legacy SOAP API with 1200+ API fields covered payment processing, fraud protection, business analytic, merchant on-boarding API.
• Lead new strategy in developing innovative solution to streamline API design, technical documentation, developer site deployment and publication driven by same Jenkins build process based on Open API standard (Swagger).
• Re-designed developer site enabling users to test our API in realtime using use case driven navigation. Developed and delivered SDK in 6 programming languages hosted on GitHub.
Payment Gateway Integration
• Lead scrum team to deliver end-to-end payment integration with Vantiv (Worldpay) in 8 months.
• On-boarded 68,000+ SMB merchant accounts with a YoY 22% growth along with total payment processing volume over $2.5B.
Hiring, Mentoring and Training
• Member of hiring committee in payment TPM team.
• Mentored and guided several TPM summer interns for their project delivery at the end of their internships.
• Provided brown bag and training sessions to fellow TPM in several key platform components and services for general payment processing.
2015 — 2017
• Managed 6 developers as the core payment team delivered critical project in end-to-end encryption throughout transaction life cycle to be 100% PCI compliant.
• Designed data migration strategy, collaborated with DevOp team to complete migration for production data between multiple data centers.
• Participated and lead two hackathon team within Visa and won a site runner-up in 2016 with a theme focus in digital payment and loyalty.
2011 — 2015
2011 — 2015
Foster City
• Lead 12 developers in 2 locations to deliver several payment methods integrations for in-game or subscription-based payment processing with clients like Disney and Facebook.
• Developed and maintained a core payment process engine supported more than 100 payment methods including credit card, debit card, gift card, eCheck and ACH, eWallet methods like PayPal, Alipay ...etc.
• Managed hiring and team building with focus in accountability and delivering results.
2010 — 2011
2010 — 2011
San Francisco Bay Area
• Supported and guided front-end developer team in solution design, application architecture, and technical documentation.
• Advocated best practice in programming and unit testing.
• Maintained architecture roadmap.
Education
San José State University
MS
Rensselaer Polytechnic Institute
MS
Tamkang University