Clickadilla

Context

Clickadilla is a high-risk advertising network — a 500+ employee company processing $500–700K/month across the USA, CIS, EU, Asia and India. When I joined as Finance Manager — Payments & Risk, there was effectively no PSP infrastructure: payments had to be built from the ground up.

Mandate

Stand up the company's entire PSP infrastructure from zero and own both the payments and the risk side end-to-end.

What I built

• Onboarded and configured 6+ PSPs in parallel — UPI, Stripe, Unlimit, Upgate (payment orchestration), Shift4 and a Crypto PSP — covering cards, APMs, local rails, wallets and crypto, running each through its full lifecycle: sourcing, due diligence, documentation, compliance approval, technical configuration, go-live.
• Built routing and cascade logic across the provider mix — payments routed by geography and payment type, with fallback to a secondary provider on decline so approval rates held up.
• Managed both sides of the money flow — advertiser inflows and publisher payouts — with correct routing, reconciliation and settlement.
• Authored AML policies compliant with US and Cyprus requirements, liaised with Legal & Compliance for approvals, and maintained a centralized repository of PSP agreements and compliance records.

Risk — hybrid fraud scoring

Designed a hybrid fraud & risk scoring system combining automated rules with manual review: rules flagged suspicious transactions automatically, edge cases went to a human. The result — a 34% cut in the fraud & chargeback rate.

Opening India via UPI

Integrating UPI — India's dominant, low-cost local rail — unlocked the Indian market: a whole new client segment became reachable and a new revenue stream opened, because clients there could finally pay the way they actually pay.

Cost optimization

Continuously tuned the PSP mix and routing to push volume onto the most efficient rails, materially reducing cost per transaction — and passed external compliance audits across the high-risk profile.