Assen Nikolov

- People & Teams: Direct management of company staff, implementing performance management systems, recruiting strategies, and professional development paths. - Scaling Operations: Designed robust systems and automated processes to handle massive transaction growth without sacrificing service quality. - Cross-Functional Alignment: Bridged product, sales, and technology teams to ensure rapid, coordinated execution of company goals. - Culture & Productivity: Built an agile, inclusive culture that enables team members to thrive while achieving organizational targets.

- Providing strategic payment consulting to Acquirers, Merchants, Fintechs and Payment Service Providers; - Integration Management merchant support for payment and risk management integrations; - Payment and risk performance optimization for Acquirers and Merchants; - Interim Payment Project and Product Management; - PSD2 & 3DS2 optimization, troubleshooting, and long-term strategy definition; - Support and definition of vendor selection processes (RFPs/RFIs) to choose payment service providers and risk management solutions

- Strategic advisory in niche Verticals - Payments strategy optimization

• Managing Risk Department day to day activities • Managing Disputes, Monitoring, Fraud prevention and Merchants approval Risk Units • Managing myPOS.eu Acquiring Card Present and Card Not Present Merchants portfolio • Managing myPOS.eu Card Issuing Operations • Managing myPOS.eu Merchants bank transfers from Risk and Fraud perspective • Creating myPOS.eu Risk Strategy • Managing myPOS.eu Fraud prevention and mitigation strategies • Managing myPOS.eu Chargeback operations • Relationship Management with key Partners and Third Party Providers

• Managing Unlimint's (formerly CardPay) multiple Acquiring Units • Payment Facilitator, Marketplace, Digital wallets expertise • Crypto Payments expertise • Chainalysis Investigation platform expertise • Managing Unlimint's (formerly CardPay) Issuing Unit • Fraud prevention strategy on Acquiring and Issuing side • Managing Risk (Merchants approval), Dispute, Fraud Prevention and Transactions Monitoring Teams • Compliance Regulatory updates for VISA, MasterCard, MIR, China UnionPay (CUP) and JCB Card Schemes • 3DS 2+ SCA logic Implementation on Acquiring and Issuing side • VISA TPAs and Payment Facilitators registration • MasterCard MoneySend Merchants registration • Developing Framework for the Risk Department • Optimization of Internal processes • New projects initiatives • Managing multiple APMs

• Managing IBM - Safer Payments (IRIS) Risk and Anti Fraud Management system • PSD2/SCA expertise • Payment Facilitator, Marketplace, Digital wallets expertise • Crypto Payments expertise • Chainalysis Investigation platform expertise • Chargebacks VISA and MasterCard Dispute handling • eCommerce Risk Management • eCommerce Merchants portfolio management • Credit/Debit cards payments expertise • Sepa Credit/Direct Debit transfers expertise • 5+ years experience with the SWIFT system and protocols • Transactions monitoring • Digital wallets expertise • AML, KYC, Merchants Onboarding • JIRA Epics, User Stories, and Tasks. • VISA and MasterCard Compliance Programs expertise • APMs acceptance, fraud management, currency conversion • PCI DSS expertise • G2 and WebShield • Summarize key findings and implement anti-fraud processes and system enhancements. • Educate internal team members and external parties on processes and procedures of the Risk Department • Ensure merchants' portfolio is within the required Card Schemes thresholds • Card Schemes regulations updates

• Authorization of SWIFT messages related with treasury deals • Authorization of SWIFT messages related with documentary operations (collections) • Helping experts in solving problematic cases with International payments • Preparing reports for the activities associated with foreign payments • Documentary operations - preparing documents and operations concerning cheques and d • Correspondent Banking – relationship management • Treasury - supporting colleagues from Dealing Back Office Department • Participates in meetings for discussing current projects and daily tasks; • AML operations, fraud cases - preparing documents, operations and investigations concepayments.

• Authorization of SWIFT messages related with treasury deals • Authorization of SWIFT messages related with documentary operations (collections) • Helping experts in solving problematic cases with International payments • Preparing reports for the activities associated with foreign payments • Documentary operations - preparing documents and operations concerning cheques and d • Correspondent Banking – relationship management regarding other banks in ProCredit Gcorrespondent banks • Treasury - supporting colleagues from Dealing Back Office Department • Participates in meetings for discussing current projects and daily tasks; • AML operations, fraud cases - preparing documents, operations and investigations concepayments.

•Consumer lending •Opening and managing bank accounts •Credit administration •Customer support