Edgar Granados

Defined the initial draft of the ISO 8583 messages to connect the Alaric Authentic and ACI Postilion applications.

Oversee the compliance, customization, operations and testing of the Electronic Payment Infrastructure serving multiple brands brick-and-mortar stores in 4 countries (USA, Canada, UK and Puerto Rico) and their corresponding ecommerce sites. Key accomplishments:
• Leaded the piloting of NFC Google wallet acceptance at the stores.
• Architected the acceptance of EMV transactions in the UK for authorization by the Global Payments Systems network using the APACS 4.0 message.
• Architected the acceptance of PIN Debit transactions in the USA and Canada for processing by First Data using the Multilink ISO 8583 message format and Chase/Paymentech using the PNS ISO 8583 format. Supervised the deployment of the Atalla Host Security Module and created the key management process and procedures to support 3DES end-to-end.
• Architected the processing of customer applications to get a VISA co-branded credit card at the USA stores via the GE Money proprietary GENESYS message format.
• Connected Payment Switch to the VISA MDEX using the VISANET ISO 8583 message format to process USA Electronic Check and credit transactions
• Connected Payment Switch to AMEX using the CAPN ISO 8583 message format to process USA credit transactions
• Architected Payment Switch Hot-Standby Disaster Recovery functionality
• Architected the Payment Switch SSL encryption connectivity to the stores and ecommerce sites.
• Speed up the regression test process by automatizing the test scripts execution.
• Speed up the responsiveness to operations incidents by delivering the Payment Switch alerts to HP OpenView and Nagios.
• Minimized down time due to network failures by implementing automatic recovery scripts and tools
• Created tools and scripts to provide File Integrity Monitoring and Access Reporting for the payment switch.
• Provided guidance to the POS development and testing teams on the legal and bi-yearly card associations mandates changes and certifications.

Responsible for the installation, customization, configuration and operations of the Base24-classic ATM and POS products in the ACI customers sites of the Americas region. Key accomplishments:

• USPI, Brown Deer, WI – Defined the payments architecture supporting Winn-Dixie supermarkets POS and ATM systems. Added NCR 5085 electronic journal support to the payment application. Added multi-threaded transaction support to the SPDH Device handler. Certified payment application with several regional and national networks
• Banco de Credito, Lima, Peru – Implemented pay to 3rd party transaction in Base24 for the NCR 5070 ATM and the Olivetti ATM
• Banca Serfin, Mexico City – Implemented multicurrency dispense in NCR 5070, IBM 4731 and Diebold 1000 device handlers
• Banco Progreso, Caracas, Venezuela: Developed the Device Handler to process transactions from IBM 4690 based teller devices
• Banco Popular, San Juan, Puerto Rico – Defined the standard messaging for the ATH network expansion to Dominican Republic and Costa Rica
• First Union, Charlotte, NC – Implemented ATM closed smart card system transactions. Deployed to QA the support of NCR 5070 ATMs
• Banco Santander, San Juan, Puerto Rico – Defined the architecture to merge an acquired institution teller system to the bank central application
• BANAMEX, Mexico City – Defined the architecture to connect the bank payment application to the VISA and MasterCard networks