Resume Posting - Marlena Hubley - Product Manager

MARLENA HUBLEY, MBA
(617) 417-9743 marlena.hubley@gmail.com
Somerville, MA 02143 linkedin.com/in/marlenahubley

Transformational and innovative executive with extensive experience in reshaping industry landscapes, optimizing
operational efficiencies, and delivering market-leading products across finance, banking, and payments industries.
Recognized as a disbursement expert who has tremendous background regarding risk and compliance, Marlena gets things
done owing to her strengths – conceptual thinking, a keen attention to details, high work ethic, deep technical know how,
and a "can do" attitude. Demonstrated strength in ideation, product strategy and execution, client relations, money
movement, and organizational change management, resulting in the successful execution of large-scale programs,
productivity enhancements, and operational effectiveness improvements. Marlena forges strong alliances: she excels at
teambuilding and mentoring and fosters high-performing teams based on trust and common goals.

KEY ACCOMPLISHMENTS

• Increased payments revenue margin at Maxio by 4–5X by launching CC & ACH payment acceptance option.
• Grew PayFac Processing and Value-Added-Services top line revenue from <$1M to $46M in 3 years by crafting
  novel products for emerging market with frictionless merchant provisioning and real-time sanctions screening.
• Led multi-year build and delivery of Dynamic Payout, a disbursement platform for partner-initiated bank-to-bank
  transfers and push payments (OCT). Nurtured from whiteboard drawing to secure and reliable merchant settlement
  system moving $1B+ USD monthly. Ensured imperative transfer of funds to designated destinations.
• Modernized legacy disbursement platform for PayFacs so that Dynamic Payout services in the United States are
  provided by RealNet Payments LLC, a licensed money transmitter, resulting in continuity of operations as well as
  greater transparency and risk mitigation. Demonstrated commitment to interdepartmental relationship while
  working across Legal, PayFac LOB, and Commercialization to design & align on release and communication plan.
• Recognized expert and solver, who improved controls, reconciliation, and oversight functionality related to
  ongoing monitoring of the PayFac portfolio & helped recover tens of millions of dollars in one year.

PROFESSIONAL EXPERIENCE

MAXIO / Atlanta, GA 02/2022 – 10/2023
Principal Product Manager, Payments
Planned product strategy, features, and development within user, business, regulatory, and technical contexts for
payments offering at financial operations platform designed for B2B SaaS companies. Successful in negotiating and working
with third parties as required to assemble strong solutions to meet market needs. Supervised one direct report.

● Launched Maxio Payments, a new retail PayFac offering; onboarded and fully ramped 46 logos within one year.
● Decreased operational costs by $200K and increased residuals by $1.3M by implementing preferred partner
program for 7 gateways & PayFacs, end-of-life’ing 4 gateways, and upleveling integrations for 20 gateways.
● Replaced internal tokenization vault to save $50K in costs, resulting in improved security, resilience of system and
preparedness for PCI audits. Selected vendors and managed integrations. Avoided $900K+ in switching costs.

FIS / Jacksonville, FL 06/2021 – 02/2022
Senior Product Manager, FIS Embedded Finance for the Small Business Market
Built and enhanced integrations to embed modules from partner PSP/PayFac, Autobooks, into FIS banking distribution
channel so that community and small-sized banking institutions could offer integrated payment acceptance, professional
invoicing, cash flow management & accounting features as part of FIS® Digital One™ Business and Flex platforms.

● Directed 4 remote Scrum teams and Product Owners in delivering build on time and within budget; identified gaps
in architectural design; assembled novel API-driven solution. Successfully campaigned for changes to multiple release
trains’ roadmaps to bring forward integration work, which could be multi-purposed with minor tweaks, thus
preserving the ability to mass deploy within the promised timeline and realize revenue by quarter end.
● Mentored junior PMs on product management best practices and supported their professional development.

WORLDPAY / Cincinnati, OH 08/2019 – 06/2021
Senior Product Manager, Payouts and Disbursements
Led regulatory program build that brought money movement processes under regulated/licensed legal entity, through
workflow & flow of funds mapping, stakeholder education, requirements definition, and multi-year development build.

● Built strong relationships with senior leaders, advocating for product vision and gaining organizational support.
● Synthesized complex information into actionable recommendations and facilitated cross-functional discussions.
● Protected business by partnering with Policy and Procedure, Risk, Treasury, Accounting, and Settlement Ops
departments to facilitate resolutions for payout escalations related to AMEX settlement, terminations, reserve
monitoring, and bank rejections; spearheaded incident triage for reconciliation or potential fraud issues.

WORLDPAY / Cincinnati, OH 02/2017 – 08/2019
Senior Product Manager, PayFac
Partnered with technology and operations to develop use cases, build inspiring narratives, prioritize features, and evaluate
short-term vs. long-term trade-offs. Executed PI Planning activities for 4 agile dev scrum teams in CO, MA, and Pune, India

.
● Scaled systems and program, generating 33% bottom-line growth, partly through enhancements to flag-ship
Dynamic Payout offering: Same-Day ACH payouts, Sunday submission window, & FastAccess Funding (OCTs).
● Created and maintained a prioritized pipeline of opportunities, with top initiatives properly scoped and resourced.
● Engaged with engineering to address technical challenges, unblock issues, and ensure scalability and reliability.
● Partnered with legal and policy teams to adapt to regulatory changes and translate them into requirements.
● Enhanced merchant provisioner API and UI Portal to facilitate collection of beneficial ownership info; successfully
cajoled, educated, and compelled entire portfolio of customers to start new behavior and certify for a new major
version of API to v12 before the deadline for FinCEN’s Customer Due Diligence Requirements.
● Managed vendors from contract negotiation and renewals through delivery and relationship management.

VANTIV LLC (PURCHASED WORLDPAY) / Cincinnati, OH 07/2014 – 02/2017
Product Manager, PayFac Line of Business
Provided quality products, subject matter expertise, partner relations, evangelism, training, as well as sales & customer
support as needed. Ownership of day-to-day product management for onboarding, payment processing, and money
movement between platforms and payment partners, including payment gateways, banks and financial service providers.

● Worked closely with cross-functional leaders to define the vision, strategy, and multi-quarter roadmap to inspire
and align key stakeholders and customers, leveraging a deep understanding of customer needs, the external
market, technical feasibility, industry trends, and competitors.
● Participated in daily syncs with developers to plan sprints, address technical questions, and prioritize bug fixes.
● Drafted functional product requirements; reviewed, edited, and approved acceptance criteria for user stories.
● Developed standard operating procedures, policies, wikis, and checklists, transferring Solutioning, Marketing, Prod
Support and Payment Operations responsibilities to new teams and functions dedicated to PayFac channel.
● Participated in client meetings to present strategic roadmaps. Spoke at trade conferences & sales kickoff training.

LITLE & CO (SUBSIDIARY OF VANTIV LLC) / Lowell, MA 10/2013 – 07/2014
Partner Channel Product Management Intern
Created real-time APIs to board sub-merchants and pay out funds with minimal to no coding effort required. Became one of
the few, if not the only, processor that could satisfy the need of a Payment Facilitator (PayFac) to create a real-time MID while
giving compliance, risk, and underwriting the tools they needed to shadow underwrite and monitor its portfolio.

• Supported engineering team in delivering value through participation in daily scrums and monthly retrospectives.
• Crafted positioning and messaging to ensure products are presented consistently and resonate with target buyers.

Additional experience at TIAX LLC and Ellevate Network (fka 85 Broads LLC).

EDUCATION & BOARD MEMBERSHIPS
MIT Sloan School of Management; Cambridge, MA – Master of Business Administration (MBA)
Forté Foundation Fellowship | Vice President, Website and Communications for Sloan Women in Management
Mount Holyoke College; South Hadley, MA – Bachelor of Arts (BA) / Anthropology and Dance | Summa Cum Laude
Phi Beta Kappa Honor Society | MHC Leadership Award Recipient | Co-Chair, The Lyons Network | SAW Mentor
Member, Troubadour Inc. Board of Directors (2013–2016): President & Treasurer (2014–2016) | Vice President (2014)