Ken Spira

Anaheim, CA 92804
714.404.3299 kenspira@att.net

Operations Executive
A Recognized Expert in Merchant Services; Experienced in All Aspects of Staff Management
Comprehensive experience of over 27 years in daily operations management, staff training and development, process
optimization, sales, and customer service. Subject matter expert on card brand interchange. Record of effectively educating
companies on the best uses of card processing technological platforms. Proven ability to conduct accurate data analysis,
forecasting, and performance analysis using metrics. Demonstrated track record in change management overseeing
workflow processes and policy review projects.

INDUSTRY EXPERTISE
Operations Management Performance Optimization Staff Training Sales and Sales Management Financial Analysis
Card brand Interchange Analysis PCI and Card Brand Compliance Industry Regulations and Best Practices
Underwriting and Risk Customer Relations Human Resources Negotiations Project Management

SELECTED EXPERIENCES AND ACHIEVEMENTS

OMNI PROCESSING SOLUTIONS, Anaheim, CA

September 2015 Present

Owner-operated consulting company providing analytics and reporting products for effective portfolio management, cardbased pricing, and agent relationship management tools to merchant acquiring organizations. Solutions provided include:

Creating a roadmap of all expenses related to processing a credit card transaction

Educating merchant acquiring sales organizations on the effective use of their processing platforms
Demonstrating the uses of transactional data to manage customer support and expenses, as well as the calculation
of commissions for sales agents
Developing internal and external-facing portals for managing workflow processes

GLOBAL ELECTRONIC TECHNOLOGY, INC., Torrance, CA

Vice President, Revenue Management/Ops
Project Manager/Compliance Manager

September 2013 September 2015

February 2015 September 2015
September 2013 February 2015

Managed day-to-day operations and projects to capture merchant fees accurately, improve agent and merchant support,
and increase sales. Responsible for Underwriting, Risk Management, Compliance, Customer Service, Data Entry,
Deployment, and PCI Compliance departments. Enabled the Accounting, Operations, and Sales departments to monitor
gross margins at bank and individual merchant levels through analysis of processor and bank expenses.

Reduced expenses on chargebacks by 65%

Identified and corrected merchant file-building errors, adding $115K/month revenue
Converted $1K/month loss to $1K/month profit by revising pin debit transaction pricing to bill as pass-through
rates
Created an Agent residual system that allowed for unlimited pricing models
Resolved ongoing issues with card brand compliance to avoid penalties
Created a template for auditing the Daily balancing, Proof and verification, and ACH systems
Managed roll-outs of projects including automated reserve system, next-day funding, American Express OptBlue,
chargeback and RIS reporting systems, and EMV

ATLANTIC-PACIFIC PROCESSING SYSTEMS, INC. Fountain Valley, CA

Vice President, Project and Product Development
Vice President, Operations
Director, Operations

March 2010 September 2013

April 2012 September 2013
June 2010 April 2012
March 2010 June 2010

Managed daily operations. Collaborated with IT staff to redesign internal CRM; provided external access, more accurately
generated agent residuals, an Underwriting queuing system, an online merchant application with digital signature
capability, merchant statements, upgraded reporting features, and XML boarding. Managed intake process for new sub-ISO

Ken Spira

Resume, Page 2

relationships, coordinating customer support. Ensured accuracy of settlement and accounting, including residuals to agents.
Ensured compliance with all requirements, policies, and contracts. Supported internal/external Sales Division. Increased
employee efficiency through communication, and sharing values, objectives, and strategy; monitored work and provided
feedback. Enhanced systems, procedures, and programs to increase efficiency and productivity. Analyzed emerging issues
in payment industry; spotted and analyzed shifts in processing and settlement patterns, forecasting effects on revenues.

As VP Project and Product Development, contributed to a 350% increase in portfolio size in four months by
building and improving companys client support tools and creating opportunities to expand into new markets
Added $1M/month additional revenue by developing new business opportunities, including EBT processing, cash
advance capabilities, PCI, breach insurance, breach reporting, and online merchant processing templates for subISOs

CASHREADY/EVOLUTION PAYMENT SYSTEMS, Los Angeles, CA

Director of Operations

January 2008 March 2010

Formerly CardReady International before they left the merchant acquiring space to concentrate on merchant cash
advances. Returned in 2008 to launch a new payment processing company, EVP, to complement the existing CashReady
cash advance business.

Planned and prepared the infrastructure and physical layout of new office space
Coordinated the subsequent move of the company from Culver City to Los Angeles
Established new merchant service processing provider on TSYS platform
Managed New Accounts, Underwriting, Risk, and Merchant Support for both companies
Developed organizational processes to handle cash advance funding volumes growing from $200K to 1.8M/month
Facilitated exponential MID and processing volume increase

OMNI CAPITAL SOLUTIONS, Los Alamitos, CA

President

May 2005 December 2007

Founded an Independent Sales Organization focused on providing merchants with cash advances during the early stages of
the industry. Managed and trained an internal sales team. Developed and produced national direct mail campaigns, phone
solicitation scripts, and email marketing to drive sales. That portfolio continues to produce a residual income.
CARDREADY INTERNATIONAL, INC, Culver City, CA
Director of Operations

April 2001 May 2005

Stepped into the position with no previous experience in merchant acquiring operations as the company worked through a
period of retrenchment and its eventual sale. During that 6-month period, managed a portfolio of 1,500 merchants and 20
external sales agents with no other Operations employees. Performed all tasks and operational responsibilities from new
account intake, underwriting, boarding, risk, merchant support, and agent support. Eventually increased to a staff level of
25 operational direct reports.

Increased portfolio to over 4,500 merchants in the following 3 years

Revised workflows to accommodate new technologies and services
Created an automated agent residual system, reducing calculation turn-around time down from 80 to 6 hours

EDUCATION AND COMMUNITY INVOLVEMENT

Bachelor of Science, Business Administration-Human Resources Management
California State University, Long Beach, CA, 2000
Electronic Transaction Association (ETA) Certified Payments Professional, May 2013
Merchant Acquirers Committee (MAC) Government Relations Committee 2012 present
Merchant Acquirers Committee (MAC) Membership Committee 2012 present
President, FunWuns Advanced Square Dance Club January 2015 - present
Commissioner, Cypress CA (AYSO) 2005 - 2008
Advanced Referee, National Referee Candidate (AYSO) January 2007
Referee Instructor (AYSO) February 2006 - present