Jeremiah Teo

Powering seamless payment acceptance through VISA’s innovation & technology—enabling secure, reliable, and scheme-agnostic solutions for acquirers and merchants.

Driving Merchant transformation with innovation to grow one of Hong Kong largest APM PayMe acceptance in Hong Kong and beyond.

• Spearheaded digital transformation initiatives in the commercial card sector, enhancing working capital solutions for SMEs. • Led a dynamic team of product and sales managers to innovate unique selling propositions for new commercial card offerings. • Successfully launched DCS Diners Purchasing Card and DCS Business Mastercard, driving revenue growth across multiple networks.

• Provide high impact merchant acquiring and commercial card solutions and leadership for my team of more than 30 across Malaysia, Singapore, Philippines, and Cambodia to drive billings and accelerate signings. • Led MY-SG cross border acceptance partnerships and negotiation with key merchants like Lazada to grow Maybank ecommerce footprint for the region. • Developed commercial card portfolio optimization strategies for SME and Large corporations to drive growth in Singapore and Malaysia. This includes providing executive leadership in re-vitalizing our corporate card programs - collaborating with schemes and strategic partners to enhance our CVP, marketing and processes to capture new markets and grow new to bank customers. • Identify and formulate new working capital opportunities for our commercial SME customers to drive new usage flows.

Leading a team to drive merchant acquiring and payment partnership strategies in Asia. Grow American Express brand franchise, payment acceptance and market share for the region. Responsible for engaging senior C-level stakeholders of Financial Institutes, Payments Processors and Fintechs in the region on : • Acquirer recruitment and enablement • Merchant Value Propositions development with customized pricing. • B2B/B2C Deals Structuring & Negotiation • Joint Digital Marketing activities to grow merchants signings.

• Developed and drove merchant acquiring payments strategy in Singapore. • Team Leadership - led a highly charged and successful sales team of more than 15 staff. • Business Development & Partnerships - Forged alliances with key payment processors to scaled up sales channels. • Managed P&L, Sales incentives and Channel profitability for the sales team. • Led Marketing Strategies with the various Issuers to drive activation and usage campaigns for the merchants. • Responsibilities included addressing the payment needs of Key Holdouts and Priority Segments (Small Merchants, Healthcare and QSR “Quick Serve Restaurants”) that has significantly helped close the acceptance coverage gaps in Singapore and improved cardmember perception of American Express's card acceptance.

• Managed a portfolio of more than 20 Amex’s Key merchants. • The Merchant Accounts covered 9 Major industry namely; Departmental Stores, Fashion Retail, Petroleum, Supermarkets, Dinning, Travel and Airline. • Industry Payments Specialist for Premium Supermarket & Petroleum in Singapore. • Achievements : a) Awarded GMS President’s Award (Top 5%). b) Resolved Amex largest holdout on payments acceptance in the grocery stores space. c) Brokered Amex's FIRST Year long cardmember benefits campaign.

Team Leader - led a team of 5 managers and Product managed a portfolio of more 20 Co-branded card programs with more than half a million cardmembers. These included Credit, Debit and Private Label card products with major retail players like the Robinsons VISA card, Best Denki MC, IKEA and NTUC Link VISA card. My responsibilities included providing Strategic Marketing directions for my team and leading them in areas of Card Product Development, Bundling, Profitability management, Merchant Partnership negotiations, Customer Acquisition & Segmentation for usage programs and finally Marketing of New Product launches.

• Team Leadership - 3 Managers • VISA/MasterCard Co-brand partnership & business development management (ExxonMobil, Takashimaya, Seiyu, NUS) • Contract Negotiation & Renewal • New Card Launches & Card Revitalization Campaigns • Card Portfolio Management & Cardmember Acquisition

• Digital Channels Marketing and Communication Management (Mobile & Internet Banking, TV Banking, CRM integration for online Payments and ATM Branch Network ) • 360 through-the-line customer engagement & communication via ATL, BTL, Digital (eDM, SMS, web community & portal) • Digital Marketing Campaign execution, management & campaign analysis to support product managers.