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JOSE RUIZ MORCILLO

Business Consultant, IoT, Data Science, Payment, Sales, Acquirer, Issuer, Risk, Fraud, ISO8583, NFC, SE, HCE, PCI-DSS, POS

|205 Elm St. Quincy, MA, 02169 |+1 (857) 701 2666 |joseruizmorcillo@ |

|S |Strong experience as Payment Consultant and Product Sales. |

|U |Knowledge to Internet of Thing products and development |

|M |Proficient in Payments, Risk, Fraud, Acquire, Issuer, POS, SE, HCE, MST, PCI-DSS, BI |

|M |Leader on Certification Projects with Visa, MasterCard |

|A |Organized, result driven, strong problem solving and communications skills. |

|R |Proven track record working across cross-functional and cross-cultural teams |

|Y |Technical skills like: T-SQL, R, Data Warehouse, DB2, ORACLE, HOST… |

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| |09/2014 - Present |Business Consultant SANTANDER BANK US |

| | |Global Consulting for EMV Cards Project. I management Project Plan Definition. I drive certifications with Visa and MasterCard |

| | |for Fraud and Risk Area. I leader Santander teamwork’s in order to PCI compliance on ATM, Mobile POS,… |

| | |Global Project Management Risk and Fraud for Corporate Area Santander Bank. Create Business Plan. Project Management leader Bank|

| | |teamwork’s and Third Parties. I have innovated on BI data to apply neuronal systems for fraud prevention aligns with trend |

|E | |payment ways such as: SE, HCE, MST,… |

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| |10/2013 - 03/2014 |Business Sales Consultant YAAP |

| | |Business Consultant and Sales Product. Consulting on Payments and Product Sales. Creating BI reporting to CEO and VP. |

| | |Elaboration presentations about third parties, their tools, pricing, productivity, competitors and elaborate Business Plan about|

| | |trend payments such as: apple pay, google pay, Samsung pay,… and their technologies like as: NFC, HCE, SE, MST,… |

| | |Consulting Risk and Fraud on Payments. Driven to best practice in Security, Risk and Fraud Markets. Elaboration Project Plan to |

| | |Deployment, BI, Dashboard,...under PCI and ISO normative. |

| |10/2011 - 09/2013 |Business Consultant SANTANDER BANK ES |

| | |Management Corporate Credit Project to Santander Group Means of Payment. |

| | |ATM, POS, mPOS Security and Fraud Management with Lynx. |

| | |Authorization Systems Online and Batch management, leader processes and high reporting to Banesto, Openbank and Santander |

| | |Consumer Directors |

| |09/2010 - 09/2011 |Business Consultant BBVA |

| | |Analysis of current means of payment service for its migration to the new acquire platform (platform group) PG. Business Case |

| | |for POS and Mobil POS for run under new architecture and align them with PCI compliance and NFC technologies. |

| | |Design Business Plan for a new core platform with an Acquire Global Solution for all branches. |

| |04/2007 - 07/2010 |Project Manager REDSYS |

| | |Leader on Integration Systems between transnational and back-office systems (POS, ATM, POS-PC, commerce PRICE, Servers PRICE, |

| | |PRICE Entities, etc..) such as: |

| | |Head Back-office. ODIN Portal. ODIN Project driver in Back-office areas such as : Acquiring/issuing Fraud, Clearing and |

| | |Settlement, Disputes and charge-backs and Provision, Installation and Maintenance of POS |

| |04/2006 - 04/2007 |Senior Analyst MAPFRE |

| | |Development of new products and services for TRON Project. |

| | |Analysis and design of software solutions for management core insurance services |

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|E |01/2018 - 03/2018 |HARVARD – Data Science |

|D | |Data Science: R Basics |

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| |03/2017 - 04/2017 |MICROSOFT – Data Science |

| | |Data Science Orientation |

| | |Data Science Transact SQL |

| |09/2016 - 11/2016 |MIT - IoT |

| | |Internet of Things: Roadmap to a Connected World |

| |10/2012 - 05/2014 |CESMA - MBA |

| | |Executive Management in Business Administration. Award Best Project |

| |06/2008 |CESMA - PMP |

| | |Project Management Course. PMP Book |

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|V |11/2016 |WORLD COMPUTER EXCHANGE – Preparing computers |

|O | |Working with computers, moving equipment from cold storage inside, reviewing all devices, connections, cables, hardware,... |

|L | |Other tasks like building pallets of computers and sorting and counting mice and power cords. Also working on troubles hooting |

|U | |and repairing problem computers. |

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