Product Manager building payment dispute prevention tools | Fraud Prevention | Chargeback Management

I'm a Product Manager at ChargeForwards, where I've architected and built a comprehensive fraud prevention platform that helps merchants worldwide tackle fraud and resolve disputes before they become chargebacks. My systems connect merchants with banks globally through Mastercard, Visa, Amex and Discover networks, protecting millions of transactions and preventing significant financial losses.

A complete production-grade fintech ecosystem serving merchants globally:

🎨 Enterprise React Frontend

• Sophisticated SPA with advanced routing and state management
• Multi-role authentication system (Admin, Subadmin, Client users)
• Real-time notification system with live count updates
• Responsive dashboard with complex data visualization
• Advanced session management with activity tracking and auto-logout
• Secure API integration with JWT token handling and refresh logic
• Mobile-optimized interface with collapsible navigation

⚡ High-Performance Backend APIs (Python + FastAPI)

• RESTful APIs handling 1M+ daily requests with <800ms response times
• Global alert aggregation from major card networks (Mastercard, Visa, Amex, Discover)
• Real-time fraud detection and dispute prevention systems
• Multi-tenant architecture with role-based access control
• Advanced pagination, filtering, and search capabilities
• Comprehensive audit logging and compliance reporting

🛡️ Real-Time Fraud Scoring Engine (Go + AWS Lambda)

• Advanced risk-scoring algorithms processing 100k+ API calls daily
• Multi-provider integration with intelligent caching
• Dynamic risk scoring with 50+ fraud indicators and ML models
• Sub-800ms response times with automatic failover and rate limiting
• Sophisticated reason code weighting and risk categorization

🔐 Enterprise Security & Authentication

• Multi-pool AWS Cognito integration with custom JWT validation
• XOR encryption for sensitive user data transmission
• API key management system with tier-based rate limiting
• Secure session management with activity-based timeouts
• CORS protection and request validation middleware

📊 Advanced Analytics & Reporting

• Real-time fraud metrics with interactive dashboards
• Dynamic currency conversion across 50+ currencies
• Complex data aggregation with drill-down capabilities
• Automated report generation and PDF export
• Custom chart components with responsive design

🔍 Identity Verification & KYC Services

• Full KYC workflow integration with external providers
• Comprehensive audit trails and compliance reporting
• Risk-based verification with custom scoring algorithms
• Historical data analysis and pattern recognition

⚙️ Configuration Management Systems

• Dynamic RDR (Rapid Dispute Resolution) rule engine
• Real-time configuration updates with versioning
• Admin interfaces for rule creation and management
• Multi-client configuration isolation

• Scalability: Handling millions of transactions with sub-second response times
• Reliability: 99.9% uptime with automatic failover and disaster recovery
• Security: Bank-grade security with encryption, audit logging, and compliance controls
• Integration: Seamless APIs enabling rapid merchant onboarding

• ML-Powered Fraud Detection: Implementing advanced machine learning models for real-time risk scoring
• Enterprise Integration: Developing white-label solutions for major financial institutions

• <800ms average API response time handling 1M+ daily requests
• 45% reduction in chargeback rates for enterprise clients

Intelligent Caching System: Built a multi-tier caching architecture reducing external API costs by 60% while maintaining real-time fraud detection capabilities.

Dynamic Risk Scoring: Developed proprietary algorithms combining 50+ fraud indicators with machine learning models that adapt to emerging fraud patterns.

Global Alert Aggregation: Created unified APIs connecting to major card networks, enabling real-time dispute prevention across multiple payment processors.

Full-Stack Architecture: Leading end-to-end development of enterprise-grade fintech solutions, from React frontends with complex state management to high-performance Go microservices and distributed data systems.

Product Management: Driving technical strategy and cross-functional collaboration to deliver scalable solutions serving millions of users globally, with deep expertise in payment processing, fraud prevention, and regulatory compliance.

Enterprise Security: Architecting bank-grade security systems including multi-factor authentication, role-based access control, data encryption, and comprehensive audit logging meeting SOX and PCI DSS requirements.

Cloud-Native Development: Expert in AWS cloud services, serverless architectures, Infrastructure as Code (Terraform), and DevOps practices enabling rapid deployment and automatic scaling.

API Design & Integration: Building RESTful APIs with comprehensive OpenAPI documentation, rate limiting, monitoring, and SDK development for seamless third-party integrations.

Data Engineering: Advanced expertise in real-time data processing, ETL pipelines, and analytics systems handling high-volume financial transactions with strict accuracy requirements.

Financial Technology: Deep knowledge of payment networks, regulatory compliance (PCI DSS, KYC, AML), fraud detection algorithms, and risk management systems.

Team Leadership: Managing technical teams and stakeholder relationships across multi-million pound initiatives, with proven track record of delivering complex projects on time and within budget.

Currently exploring advanced machine learning applications in fraud detection, regulatory technology (RegTech) innovations, and emerging payment technologies including digital currencies and embedded finance.

Research Interests:

• Graph neural networks for transaction pattern analysis
• Real-time stream processing with Apache Kafka and Flink
• Blockchain integration for payment verification
• Edge computing for ultra-low latency fraud detection
• Quantum-resistant cryptography for financial systems

Always interested in connecting with other fintech innovators, discussing cutting-edge payment technologies, or collaborating on open-source projects that advance the industry.

Technical Leadership: Proven ability to architect and deliver enterprise-grade systems that handle millions of transactions while maintaining bank-level security and compliance standards.

Product Vision: Unique combination of deep technical expertise and commercial acumen, enabling me to build products that solve real business problems at scale.

Cross-Functional Collaboration: Experience working with compliance teams, fraud analysts, product managers, and C-level executives to align technical solutions with business objectives.

Rapid Innovation: Track record of taking complex fintech concepts from ideation to production deployment within tight timelines while maintaining quality and security standards.

Industry Knowledge: Deep understanding of payment networks, regulatory requirements, and emerging fraud patterns gained through hands-on experience building production systems.

• Family: Quality time with loved ones always comes first
• DJing: Spinning drum & bass sets and exploring electronic music production
• Formula 1: Following every race weekend, strategy decisions, and the engineering innovations
• Innovation: Always tinkering with new technologies and architectural patterns

Passionate about fraud prevention, payment systems, financial technology, or just want to discuss the latest F1 developments? Feel free to reach out!

Areas of Interest:

• Fraud Detection & Prevention
• Payment Processing & Networks
• Machine Learning in Finance
• Cloud Architecture & Scalability
• RegTech & Compliance
• Formula 1 Engineering

"The best fraud prevention happens before the customer even knows there was a threat."