Braulio Lam

Senior Director, Engineering

2023

Investor

2022

Advisor

2021 - 2024

Chief Product Officer

2021 - 2023

- Led the payments and banking operations for Payfare, overseeing instant payouts and neo banking services for partners and end consumers. This includes responsibility over product management, PMO, client and vendor relations, and customer support. - Developed and executed business strategies to drive revenue growth and market share, resulting in a 300% increase in transaction volume and a 140% increase in customer acquisition within 2 years. - Built and maintained relationships with key partners, including gig economy platforms, payment processors, and banking partners, to optimize payment flows and enhance service offerings. - Built a product management team from two people to ten and introduced outcome driven product development methodologies. - Worked on business development with existing and new fintech partners in order to add much needed services to our neo-banking app, such as A2A/P2P transfers, international remittance, cash back rewards, insurance products, open banking, credit boost, 1099 Tax Reporting, and expense management amongst others. - Worked with engineering to build a Banking-as-a-Service platform built in partnership with our bank sponsor, AML/KYC vendors, network partners and issuing processors such as Marqeta and i2C. - The BaaS platform also includes access to features and functionalities such as ACH, RTP, Visa Direct, Mastercard Send, Visa SavingsEdge, virtual cards, digital wallet provisioning, surcharge free ATM network access, cardless ATM access, and retail cash load network. - Directly managed the PMO team responsible for card program implementation and ongoing operations including client account management and customer support. - Responsible for setting up card issuing programs with banks and processors, including program implementation, velocity controls, funds flows, and settlement flows. - Provided leadership and mentorship to a dynamic team, fostering a collaborative and results-oriented culture.

Board Advisor

2018 - 2023

Head of Product

2021 - 2021

CTO

2019 - 2021

Responsible for all of technology including software development, QA, and devops. Built a Banking-as-a-service platform for card issuing from zero to one and built direct integrations to banks, processors, KYC/AML, and card manufactures across North America. Also responsible for product and vendor management across bank partners, card networks and other partners in the industry.

Co-Founder and CTO

2017 - 2019

Started and built Pungle from the ground up (0 to 1). Responsible for building bank and card network partnerships. Responsible for product strategy and technology platform. Build product-aligned pod (2-pizza team) to deliver new payments platform to market. First Canadian private company to build direct integration to Visa for real-time Visa Direct payments (only one of a dozen in the wold). First to offer real-time card funding using Visa debit in Canada. Acquired by Berkeley Payment Solutions.

Sr. Manager, Payments, IT Development

2015 - 2017

Working closely with Home Trust's Payment Solutions business and sales teams, I'm directly responsible for the design and development of credit card transaction engines, APIs, web applications and merchant portals. As well, I am responsible for day-to-day, 24/7 IT and Network Operations. Other responsibilities include: project management, product management, risk management, software process management, and quality assurance. Responsible for successfully steering and delivering the following projects to-date: - Infrastructure Refresh: Full migration of a 15 year old on-premise data center to a cloud-based environment in 3 months (30+ VMs, HA throughout, realtime DR). - PCI DSS v3.1 Audit and Compliance: Project managed PCI DSS v3.1 Level 1 audit and review. - POC design, solution architecture, product management and delivery of a leading edge Payment Solutions platform for B2B clients. - Developed and launched payments platform MVP in less than 4 months. Zero to thousands of paying customers in less than a month.

Investor

2014 - 2015

sr. director, process engineering

2013 - 2015

SHOP.CA is one of Canada's largest e-Commerce destinations and fastest growing retailers. Launched in July 2012, SHOP.CA offers Canadian consumers an easy, compelling and convenient shopping experience that is differentiated through vast selection, exclusive sales events, service and a loyalty program that has millions of active members. SHOP.CA offers merchants an additional channel for minimal investment within an increasingly competitive retail environment. As such, SHOP.CA recently signed its 600th merchant agreement and is adding thousands of products to the marketplace weekly. SHOP.CA has become known for offering exclusive daily sales events at up to 90 percent off the most popular and up-and-coming brands for Canadians. Every day, SHOP.CA features over 12 new exclusive sales events that typically offer up to 90 percent off items ranging from the biggest name brand fashion apparel to stylish tech gear and luxurious home fashion goods. The limited-time-only sales are always exclusive and are promoted to SHOP.CA's members, and are typically only available for one week, so members shop the website early and often to discover the best prices on the brands they want. SHOP.CA is solely focused on Canadian eCommerce, a market that is forecasted to exceed $40 billion by 2018. In addition, the company is positioned to expand internationally in the medium to long term as it owns the domains SHOP.US and SHOP.COM.BR and has ensured its brand, IP, and supply chains are extensible beyond our borders. SHOP.CA has raised $52 million the past two years through strategic, institutional and individual investors. The management team is comprised of industry veterans, with experience across companies such as DoubleClick, Google, Oracle, Seibel, Deloitte, UBS, Rogers and Corus.

VP Engineering

2014 - 2015

Responsible for all engineering, including front-end, back-end and quality assurance.