Victoria Scott

• Collaborated cross-departmentally for the creation of company-wide compliance standards.
• Worked to quickly and effectively resolve identified compliance issues, uncovering root causes and implementing swift action plans.

Reviewed scheme bulletins globally, which included Diners, Discover, JCB and China Unionpay. Each bulletin was logged to determine whether the bulletin was in or out of scope. Items that were in scope were then either raised by myself at the Business forum or if the bulletin was of a technical nature, this was then raised at the Tech forum.

Any projects that were required, were raised under a separate process. I have also reviewed the mandatory changes for the April and October 2025 business releases.

I have maintained the security admin rights for all legal entities and have also improved the process of provisioning legal entities to improve the sign on process for new users within the business.

I have competed a training document for all card brands, for each legal entity that we hold - which includes cost, step by step guide on how to sign up and have audited all business roles to determine which application they should be granted to conduct their day to day work.

I have meetings to discuss incentivised projects to enable extended capability or to increase acceptance with certain card brands.

• Carried out day-to-day duties accurately and efficiently.
• Completed duties to deliver on targets with accuracy and efficiency.
• Provided expert advice on compliance matters, contributing to informed decision-making processes.

Reviewed weekly scheme bulletins to determine impact. Items that had a financially/technical impact to the business would be raised at the business review meeting.

Produced SAQ document to extend licensing capability with customers and extend our offering to potential new customer.

Arranged training sessions with internal stakeholders to improve workflow process on bulletins and mandates which were issued by Visa and Mastercard.

Completed a step by step guide on on-boarding and maintaining high risk merchants for 3 business sectors.

Completed a comparison checklist of Payment Facilitators, Marketplaces and ISOs for onboarding purposes.

In my current position, I am responsible for looking after the scheme release changes that are implemented on a six monthly basis. This involves assessing documentation included in the manuals provided by Visa and Mastercard and ensuring that the business is aware of the changes. Each article is inputted on to an internal log and tracked on a weekly basis with internal members of staff and external processors.

On some occasions I reach out to the card schemes for more information.

Since working at Paysafe, I have introduced a more streamline process for reviewing the scheme bulletins that are published on a weekly basis. I raised concerns that things were getting missed and that the current process was not user friendly. Since the new process has been developed, it has been welcome business wide by everyone who has received the new version.

I'm also involved in ad-hoc projects i.e. changing bank details and ongoing processing issues.

Mandatory Card Scheme Mandates - Every 6 months the card brands bring out new changes for Acquirers, Issuers & Processers. My role is to pick up these changes from the documents provided by the brands and assess the impact to each article. This may mean, there is an interchange, Authorisation/Clearing/Settlement impact that would need to be reviewed by the business. Each item is reviewed with great care and attention. Any items missed may result in a financial impact or may also mean we are unable to process payments correctly which can result in reputational damage.

I attend the Visa and Mastercard workshops and raise any questions to the brands for items that impact the business.

I also look after the licensing side of the business, for when we need new routing from us to the schemes I request new BINs/ARIDs for each settlement service required. I then keep a record for auditing purposes of the licenses we hold and what purpose it has.

Under this aspect of the role, I am then involved in project management with the card brands - i.e. setting up Settlement and treasury paperwork to ensure that we are paid in to the correct bank accounts.

I am a security administrator and business administrator for Mastercard Connect - to which I provision applications and approve users profiles, as well as keeping company contact information update.

I am also a VAM for Visa Online.

I attend fortnightly meetings with Mastercard, Visa and JCB to discuss any outstanding compliance matters. I am also in regular contact with our relationship manager at Discover/Diners.

As well as the 6 monthly items that are issued by the card brands, I also review the daily bulletins and manuals that are published by the schemes. I then chair a technology and business meeting to discuss these items.

• Worked collaboratively with other teams including Card brands and relationship managers to ensure smooth and accurate trade to payment processes.

Maintaining Compliance cases that were raised by Mastercard and Visa, ensuring these are corrected to reduce fines to the business.

Requesting new licensing (BINs/ARID) for additional processing settlement offering.

Attending meetings with Clients to provide updates to any compliance related matters.

Being a point of contact for the platform - based in Dublin, raising cases for them to investigate non-compliance cases.

My role was that I was responsible for debt over £5000 - which was owed to us by Merchants.

This involved contacting the merchant to obtain payment for the debt, sometimes this may have resulted in setting up a payment plan with the customer to manage the debt in smaller payments until it was clear.

If all avenues were exhausted, the account would be then sent over to an outside debt collection agency, or the account could have been made bankrupt.

This role involved speaking to customers throughout the day - assisting with technical/terminal issues or general merchant customer services queries.

My role was making outbound and receiving inbound calls from cardholders, who had missed their payment on their credit cards. This involved taking card payments over the phone, setting up payment plans and discussing other payment method options with the customer.

I was responsible for sending out letters to merchants requesting proof of payment - following a disputed transaction on a cardholders statement. Once I received the confirmation, I would then pass it on to the Chargeback team.

General administration duties - which included filing claim paperwork and managing the incoming post.