payment product manage
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I am a payments product manager and also i kown. java ,python, react etc，focused on building seamless global payment infrastructure and unified clearing and settlement systems. I have led the integration of multi-channel global payment gateways and designed intelligent routing systems connecting major providers such as PayPal, Stripe, PIX, and Square. These systems dynamically route transactions based on geography, cost optimization, authorization rates, and risk control strategies. From a product architecture perspective, I have designed and delivered: Multi-layer account systems (master accounts and merchant sub-accounts) Intelligent payment gateway and channel management systems Automated reconciliation systems (external channel + internal ledger reconciliation) Clearing and settlement frameworks (T+0 / T+1 fund flow management) Capital security and risk control mechanisms
Global Payments Product Manager： I am a payments product manager focused on building seamless global payment infrastructure and unified clearing and settlement systems. I have led the integration of multi-channel global payment gateways and designed intelligent routing systems connecting major providers such as PayPal, Stripe, PIX, and Square. These systems dynamically route transactions based on geography, cost optimization, authorization rates, and risk control strategies. From a product architecture perspective, I have designed and delivered: Multi-layer account systems (master accounts and merchant sub-accounts) Intelligent payment gateway and channel management systems Automated reconciliation systems (external channel + internal ledger reconciliation) Clearing and settlement frameworks (T+0 / T+1 fund flow management) Capital security and risk control mechanisms In addition, I have led card issuance and card acquiring projects end-to-end, covering BIN partnerships, card network integrations, transaction monitoring, dispute management, and settlement operations. My strength lies in building the underlying payment infrastructure from a product and systems perspective — not just API integrations, but a fully coordinated ecosystem where fund flow, information flow, and risk flow operate seamlessly to enable true global payment scalability.