I'm Cong Ngo, a payments product leader who optimizes payment acceptance, fraud & risk, and checkout to lift sales volume and customer lifetime value while keeping platforms safe. Six years across Visa, BCG, and a top-5 U.S. social casino.
Four results that capture how I turn payment performance into revenue — backed by metrics, not estimates.
Lifted authorization rates by 4% and cut fraud & chargebacks by 70% through 3DS optimization, pre- and post-authorization risk management, smart retries, and smart routing across an $800M+ annual sales portfolio.
Delivered a $400M quarterly payment volume lift and 2% increase in auth rates for a leading processor handling $150B+ in annual volume through payment orchestration, VAS optimization, and a strategic risk management framework.
Led data science and engineering teams to build and ship ML models for smart routing, retry, and dynamic filtering within CyberSource Service Orchestration. Productized Payment Anomaly Detection and drove a 30% YoY increase in transaction volume for key merchants.
Saved ~$3M annually by renegotiating processor contracts to remove unnecessary services and reduce pay-in volume commitments — unlocking a multi-processor strategy, securing reimbursement for production issues caused by unannounced processor changes, and lowering processing costs across Card and ACH rails.
Six years building and scaling payments, product, and risk across Visa, BCG, and a top-5 U.S. social casino.
Expert across the full lifecycle — from authentication and authorization to chargebacks, payout, and settlement — grounded in a strong analytics foundation.