Sergiy K. R. is a seasoned professional with extensive experience in product management within the payment technology sector. Currently serving as a Senior Technical Product Manager at Optum, Sergiy K. R. leads the development of fraud prevention strategies and guides product and development teams in implementing advanced payment technologies. Previous roles include Product/Portfolio/Program/Project Manager at Netspend, where Sergiy K. R. launched multiple EMV solutions, and as the Pricing and Billing Lead for Visa Direct. Additional experience includes senior management positions at Western Union, PriNum, oomoQu, PayStand, the Ukrainian Innovation Bank, and MasterCard, along with a strong educational background that encompasses a Master's degree in Bank Management, Systems Engineering, and a PhD in Computing Applications, supplemented by a Mini MBA from Stanford University.