Carl-Richard Häggman

Manager of risk and compliance at payment services provider iZettle. iZettle enables anyone to accept a credit card payment, anywhere. Product involves a EMV credit card reader to be used with a mobile phone app, currently for iOS powered devices. Part of management team.

Manager of risk operations for Klarnas credit enabled e-commerce payment platform. Led the team that focused on the new and lesser known markets as part of an aggressive European expansion plan. Managed risks related to credit, identities, fraud and technical errors.

Manager of risk and credit operations for Klarnas credit enabled e-commerce payment platform. Headed a department with responsibility for more than half a million automated consumer credit decisions/month and a yearly credit volume of several billion swedish KR. 
 Work included risk and credit operations in 6 countries including development of credit score cards, credit risk analysis, monitoring and reporting, transaction watch function, know your customer-procedures, identity risks, etc.

Business controlling mainly within credit management and collection. - Regular loss level follow-up - Launch of new credit policy framework - Costs and revenues of the collection process Acting Compliance Officer for 9 months, during the transition to state supervised financial institution, i.e. ensuring compliance towards the Financial Services Authorities.

Market strategy Management Service business development

Public organization and administration Political ethic

International Business Corporate strategy models