Malcom Francis, CAMS, MBA

Credit Card Systems | Payment Modernization | Retail Lending | FinTech | Product Implementation | Project Management | Data Management | RegTech

Mississauga, Ontario, Canada

About

With over a decade of experience, I have developed an extensive background in various aspects of the payment industry. My expertise spans credit cards, payment modernization, product deployment, data management, and project management. As a strong leader, I have a proven track record of driving successful outcomes and effectively conveying ideas to stakeholders. I possess critical thinking skills honed through years of experience, allowing me to approach problem-solving with a deep understanding of the field. One of my key strengths is my ability to prioritize and organize work efficiently, resulting in maximized output and productivity. I have a comprehensive understanding of payment systems and platforms, including TSYS, Vision PLUS, PowerCard, and Card400, enabling me to navigate and leverage these technologies effectively. Throughout my career, I have consistently demonstrated the capacity to deliver results, lead teams, and effectively manage projects from inception to successful completion. I excel at leveraging my extensive expertise to inform strategic decision-making and overcome challenges in the payment industry. My diverse skill set, leadership abilities, and proven track record position me as a highly effective professional in the payment industry. I am committed to driving innovation, optimizing processes, and contributing to the continued success of organizations in this dynamic field.

Experience

  • Director, Data Sourcing at Mastercard
    Jan 2026 - Present · 6 mos

  • Scotiabank (Permanent Full-time · 11 yrs 5 mos)
    • Snr. Manager AML & Compliance Data Projects | Data Governance
      Jan 2020 - Jan 2026 · 6 yrs 1 mo

      Directed the implementation of all anti-money laundering data initiatives, overseeing Client Risk Rating, Transaction Monitoring, Name Screening, and Fintrac Reporting. Led the payment modernization bank-wide initiative, ensuring accurate ingestion of data from the TSYS credit card systems and the ISO20022 data into the AML data domain for downstream consumers.

    • Snr. Delivery Manager | Enterprise Data Services
      Dec 2017 - Jan 2020 · 2 yrs 2 mos

      As the delivery lead, I spearheaded the delivery team that was tasked with presenting proof of concepts for innovative cloud technologies from various providers, such as Google Cloud and Microsoft Azure, as a component of our data modernization initiative.

    • Snr. Delivery Manager | Enterprise Data Lake
      Nov 2016 - Nov 2017 · 1 yr 1 mo

      As a delivery lead, I spearheaded the development and execution of an Agile methodology for data gathering and analysis, utilizing the Enterprise Data Lake as the core technology. This initiative supported key business goals, including the acquisition of J.P. Morgan's Credit Card Portfolio, enhancing Retail Secured Lending, expanding Insurance in Canada, advancing Digital Payments, improving Retail Deposits and Investments, and redesigning the Rewards Program. Additionally, we delivered Business Intelligence solutions to our internal clients seeking automated reporting capabilities.

  • American Express (Bahrain)
    • Snr. Business Analyst & Project Manager | Cards Business
      Aug 2012 - Jul 2014 · 2 yrs

      As a project manager, I effectively managed the integration of card payment products and enhancements across various business segments, including Revolve, Charge, Corporate, and Acquiring Solutions.

    • Business Implementation Manager | Cards Business
      Jun 2008 - Jul 2012 · 4 yrs 2 mos

      As a lead, I spearheaded the team tasked with documenting and analyzing business solutions for all four business lines (Consumer, Charge, Corporate, and Merchant businesses) during the transition from Vision Plus to Power Card in 18 global countries, operating in multiple currencies.

  • Client Service Executive | Cards Business at First Data Corporation
    Oct 2006 - Jun 2008 · 1 yr 9 mos

    As a subject matter expert in Vision Plus, I provided comprehensive support to customers across the EMEA region. My specialization included CDM, CMS, CTA, ASM, FAS, ITS, TRAMS, MBS, and LMS modules. I am adept at handling inquiries related to various modules, which encompass Safe ID Questions, Safe ID Address Score, FRIS Real-Time Scoring with Falcon, Prepaid Products, Ready Lift Loyalty Solutions, and TRIAD.

  • Team Leader Payments, Settlements & Strategic Projects | Cards Business at RAKBANK
    Mar 2004 - Sep 2006 · 2 yrs 7 mos

    I spearheaded a team responsible for overseeing diverse credit card transactions for Visa and MasterCard, including ACH, Auto Debit, and Cheque payments. Furthermore, I guided strategic projects, such as supervising the transition from the CardTech to the TSYS credit card system.