Business compliance, operations, product development and project services
Providing advisory, management, operational and project services to work with you to make it happen.
About Us
Our Experience
Smarter Solutions team members experience while spanning over 30 years continues to be active in the compliance, development and operations of the payments industry. They share a passion in helping the ongoing growth of industry clients and the overall industry.
Our Turn The Tap On approach is designed to confirm your objectives and goals then empowering you and your team working together to make them happen. Talk to us today about how we can support you.
Our Approach
Our service includes a comprehensive consult to not only confirm your objectives and deliverables but also help identify gaps and opportunities.
We will work with you to develop a detailed scope, budget and implementation plan. We then work with you and your team to facilitate, directly manage or provide the delivery of the agreed scope, objectives including implementation resources if required . We can provide a suite of services and resources that will help you get there quickly and smoothly. That’s how we ensure your success.
Why Us?
We have a rare end to end depth of experience and knowledge of the Payments Industry. This enables us to not only provide strategic, regulatory, standards and compliance requirements advice, but also practical personal, organisational development, ongoing payments industry advisory, direct project and operational management services. Our range of services can be customised to suit whether you are a start up or an established payments industry financial institution or non-financial institution participant.
Because you are our focus when providing our services, we are choosy when selecting our clients. We want to give each of you the time, guidance and quality of services you deserve. Whether you’re seeking a strategic alliance with the right partner or a special skillset, call us today. Together we’ll create, refine and deliver your plan for success.
Profile - Managing Principal
Alan Manuel
Alan is a payments industry professional with over 30 years of product, development, operational, audit, compliance and risk experience. Arising from various aspects of project program rollouts not limited to:
• Product, project and program strategies,
• Program Director and Manager of business and Technical development and implementation projects, Products, Payment and Compliance frameworks for financial institutions, software services providers, start ups, and other payment industry participants.
• Day to Day business, transaction processing operations and management
• Third Party Service Provider and payment industry participation management and Portfolio senior management.
As a highly regarded and sought industry reference, influencer and employer representative within the Australian Payments Industry. Alan’s involvement has been as part of industry initiatives and on behalf of his employers or sponsored clients covering:
• Negotiation and implementation with participating institutions and major card schemes interchange links as a new payment services processor switch and settlement agent provider.
• Industry technical infrastructure and operations, data security, new product development, business operations and compliance certification regulations, standards and requirements.
• New Payments, ATM and EFT/POS rollout, Card Schemes products and settlements in Australia. Examples include the direct development and implementation of:
• The EFT Code of Conduct/Payments Code,
• First global use of Card Verification Values,
• First Australian implementation of ATM/POS Card PAN truncation,
• First Financial institution EMV contactless and Prepaid Cards products,
• BPAY Industry Compliance program,
• First Financial institution electronic files exchange settlement with RBA, and
• Verified by Visa in Australia.
Profile - Contd.
Additional Information
Alan was an initiator and inaugural Chairman (2013 and 2014) of the National PCIDSS Group comprising the major banking financial institutions and Non-Bank Financial institution (NBFI) sponsoring Industry Bodies. Alan was also been a long time active member of:
• Visa and MasterCard Operations Management committee and new product development Project teams
• Australasian Payment Card Industry Acquiring management committee
• BPAY Management Committee and Risk and Compliance Committee
• Australian Payments Clearing Association Chequeing, Bulk Entry, ATM/POS and High value clearing Management Committees , Standards and Expert Advisory Groups
• EFTPOS Australia Limited establishment, standards/compliance groups and Management Committees.
Alan has directly managed not just formal representation, but the industry relations and issues management with regulatory bodies, Third Party service providers, fellow industry participants, and sponsored clients.