Martin Landeros
Walnut Creek
Summary
Dynamic leader with extensive experience in payment risk and compliance at Tola Inc., specializing in fraud prevention and payment process optimization. Achievements include significant reductions in chargeback rates and enhanced team performance through targeted training initiatives. Proficient in data visualization and interpersonal communication, contributing to substantial revenue growth and improved operational efficiency.
Overview
10
10
years of professional experience
Work History
Lead, Payment Risk & Compliance Operations
Tola Inc.
09.2024 - Current
- Founding Lead Payments Risk & Compliance Ops, overseeing fraud, chargebacks, onboarding risk, and regulatory controls.
- Developed Payment Risk & Compliance functions, including SOPs, policies, and monitoring systems.
- Maintained chargeback rate below 0.0001% on $4.7M card volume through compliance procedures and velocity limits.
- Increased card approval rates by 8%, generating $150K monthly in additional revenue by optimizing count velocity.
- Integrated Arva AI into KYB process, accelerating sales enablement while ensuring onboarding integrity.
- Created Post-KYB Risk Tracker to identify high-risk merchants, mitigating exposure to chargebacks and account misuse.
- Led executive initiatives in data governance and payment stack optimization, enhancing legal and operational alignment.
- Trained teams with Compliance 101 and specialized courses on fraud detection and payment flows.
Chargeback Disputes Analyst - Risk & Fraud Operations
TikTok
10.2023 - 09.2024
- Built first chargeback funnel dashboard; flagged $300K BIN attack and helped prevent $475K in additional losses.
- Partnered with Channel Partnerships to improve processor auth and success rates (Adyen, Chase, Stripe, Braintree).
- Renegotiated PSP contracts after unlocking front and backend cost.
- Re-engaged 20-agent BPO team, boosting productivity 30% through network/PSP training and playbooks.
- Conducted dispute audits aligning with VDMP, VFMP, EFM, and Visa CE3.0.
- Created trigger notification and smoke signals to avoid going into Visa card programs, kept TikTok under threshold.
Payment & Fraud Analyst - Payment Operations
Adobe
01.2021 - 09.2023
- Led payment health monitoring across Adobe.com's $12B subscription portfolio, improving billing success and customer retention.
- Managed a global team of 3 data analysts, overseeing real-time monitoring of authorization rates, declines, and payment anomalies.
- Inherited ownership of Adobe's Account Updater program, with some digging into I proactively recovered $5M in potential lost renewals by reactivating card retries.
- Partnered with acquirers, gateways, PSPs and internal teams to optimize processor routing and reduced transaction failures.
- Created and maintained SOPs to ensure consistent deployment of billing experiments, fraud mitigation tactics, and retry logic across multiple processors and gateways.
- Built and maintained dashboards to track KPIs such as approval rates, fraud rates, and chargebacks - identifying issues before they affected revenue.
- Coordinated pre-launch and post-launch testing of payment features, providing baseline data to measure performance impact on recurring billing outcomes.
- Ensured secure permissions and governance for access to gateway credentials and payment data across global teams.
Consumer Payments Analyst - Treasury
Adobe
09.2018 - 01.2021
- Reviewed high-risk transactions and chargebacks across Adyen, Chase, Amex, PPRO, Fiserv.
- Co-led chargeback recovery optimization; increased recovery rate by 60%, saving $600K in year one.
- Co-led license leakage project; reduced audit time by 40%, identified fraud, and drove new subscriptions.
- Proud moment that this led to creating 2 new job openings.
- Led Visa CE3.0 training and collaborated with team for alignment and training.
Fraud Specialist
Linden Lab
San Francisco
06.2018 - 10.2018
- Monitored compliance with regulations governing financial transactions and reporting.
- Reviewed customer accounts and electronic records to identify suspicious activities.
- Assisted in developing risk assessment protocols for fraud-related scenarios.
- Analyzed chargeback rates and implemented strategies to reduce financial losses from fraud.
Collections Analyst
Yapstone
Walnut Creek
06.2017 - 03.2018
- Analyzed customer accounts to identify overdue payments and potential collection issues.
- Developed payment plans in accordance with company policies and customer needs.
- Generated reports on account status and collection efforts for management review.
- Participated in periodic meetings with senior management personnel regarding collections progress and results.
Chargeback Specialist
Yapstone
Walnut Creek
02.2015 - 06.2017
- Communicated with customers to resolve disputes and clarify transaction details.
- Collaborated with cross-functional teams to streamline chargeback processes and workflows.
- Utilized chargeback management software to track cases and maintain records efficiently.
- Educated team members on best practices for handling chargebacks and disputes.
- Identified trends in chargeback data to inform risk management strategies effectively.
- Prepared reports summarizing chargeback activity for internal review and analysis.
- Collaborated with internal teams such as Risk Management, Legal, Customer Service, Merchant Services. to ensure that all parties are informed of any changes in policy or procedure relating to chargebacks.
Education
Data Analytics Certification - Data Analysis
University of California, Berkeley
Berkeley, CASkills
- Team leadership
- Compliance procedures
- Risk management
- Payment optimization
- Data visualization
- Training & Development
- Interpersonal communication
- Fraud prevention and payments
- Technical expertise
- Tool proficiency
- Network and PSP management
Languages
Spanish
Native/ Bilingual
Websites
References
References available upon request.
Timeline
Lead, Payment Risk & Compliance Operations
Tola Inc.
09.2024 - Current
Chargeback Disputes Analyst - Risk & Fraud Operations
TikTok
10.2023 - 09.2024
Payment & Fraud Analyst - Payment Operations
Adobe
01.2021 - 09.2023
Consumer Payments Analyst - Treasury
Adobe
09.2018 - 01.2021
Fraud Specialist
Linden Lab
06.2018 - 10.2018
Collections Analyst
Yapstone
06.2017 - 03.2018
Chargeback Specialist
Yapstone
02.2015 - 06.2017
Data Analytics Certification - Data Analysis
University of California, Berkeley