Dmitri Rabinovich

  • PROFILE

    Download: Resume | Feature Sheet

    Objective

    To lead and grow a team of Product Owners by combining product vision, transparent agile execution, and a coaching mindset—building high-trust partnerships across vendors, technology, and business parters to maximize value delivered and business outcomes.

    Professional Experience Summary

    • 20+ years of leadership and expertise in merchant acquiring payments and transaction processing, spanning merchant acquiring, issuing, and end-to-end payment ecosystems.
    • Lead multiple Agile delivery pods, removing impediments and ensuring consistent delivery of priority based customer-focused increments in an Scrum/Scaled Agile environment.
    • Deep hands-on Agile Product Ownership experience, facilitating and participating in key ceremonies including daily stand-ups, sprint and program increment planning, backlog refinement, demos, retrospectives, Scrum of Scrums, and cross-team delivery/product syncs.
    • Recognized payments SME, driving knowledge transfer and promoting best-practice adoption across teams and the broader business unit.
    • Effective relationship building with internal teams, customers, vendors, and external partners to drive alignment and outcomes.
    • Led the design and delivery of payment acceptance solutions with deep domain expertise, balancing customer needs, operational realities, and technical constraints.
    • Demonstrated program and project leadership across small-to-large initiatives, coordinating diverse stakeholders and managing competing priorities.
    • Collaborative, approachable leader, known for reliability, strong teamwork, and a willingness to share knowledge and elevate others.
    • Strong analytical and problem-solving capability, with disciplined root-cause thinking and a results-driven approach to resolving complex issues.


    Professional Awards and Recognition

    • Annual TD Award Winner (x4)
    • Quarterly TD Award Winner (x7)
    • Patents (x3)
      • US-11062548-B2 – Card reader tampering detector
      • US-11127005-B2 – Network and method for clearing point-of-sale terminal pre-authorizations
      • US-12008553-B2 – Session data network and method of processing session data

    Professional Experience

    February 2024 – Present

    Product Owner / Payment Acceptance POD and Merchant Profile, Pricing and Settlement POD, Merchant Solutions Group, Business Banking, Toronto

    • Own two mission-critical Merchant Solutions domains: Payment Acceptance responsible for point-of-sale transaction authorization for both issuing and acquiring, and Merchant Profile, Pricing and Settlement responsible for reconciliation of transactions between our merchants and the payment card networks, and ensuring merchants are billed and paid on time.
    • Ensure successful delivery of high-impact initiatives including quarterly payment card network compliance releases, regulatory/code-of-conduct changes, strategic programs, and currency initiatives.
    • Create, maintain, and continuously re-prioritize a value-focused backlog (user stories/epics) to maximize customer and end-user value.
    • Provide story-level governance: define/align acceptance criteria, and accept/reject completed work based on Definition of Done. 
    • Own defect management and prioritization, balancing stakeholder inputs and competing priorities while maintaining delivery momentum.
    • Serve as primary escalation point and communication hub for product changes, backlog priorities, risks/issues, and progress updates across business and technology partners.
    • Actively communicate product changes, priorities, and progress to business, technology, and leadership.
    • Partner across business, technology, and control/shared-service groups to proactively align, integrate, and remove dependencies. 
    • Foster an Agile culture rooted in transparency, collaboration, and engagement. 
    • Tackle unique, ambiguous problems with broad impact, using innovative thinking to shape solutions and influence technical/functional direction.
    • Align with fellow Product Owners and senior leaders to maintain and advance existing and new products by building and maintaining a prioritized backlog, removing delivery impediments, and continuously incorporating customer feedback.

    July 2023 – January 2024

    Manager / POS Development, Testing and Support, TD Merchant Solutions, Toronto

    • Led and developed a high-performing POS Development, Testing, and Support team, coaching and enabling team members to succeed while delivering multiple concurrent initiatives.
    • Streamlining processes to standardize functionality and improve cardholder/merchant experience; influenced suppliers and drove clear, achievable scope definitions across key releases and upgrades.
    • Drove critical cross-functional initiatives through strong vendor and stakeholder leadership, including KBB/DUKPT implementation (PCI-aligned key injection and onboarding readiness) and Axium/Boston Pizza early release (taking ownership of application evolution and issue resolution across suppliers).
    • Provided leadership-level decision support on strategic evaluations, playing a key role in reviewing Tap-to-Phone RFI responses, leading vendor discussions, and shaping recommendations that supported product selection.

    July 2015 – June 2023

    Senior Integrations Lead / TD Merchant Solutions, Toronto

    • Led payment network compliance programs, including impact assessment, scope definition, and delivery oversight for front-end payment acceptance solutions.
    • Led high-profile merchant integration programs end-to-end—owning requirements through certification, implementation, and post-launch readiness—to deliver fully functional payment acceptance solutions from discovery to launch.
    • Owned resolution of critical production issues impacting merchant acceptance and payment network data integrity and driving root-cause remediation.
    • Served as a trusted SME and advisor, providing strategic guidance, technical consultation, and recommendations to internal and external stakeholders on payment solutions and integrations.
    • Partnered with diverse stakeholder groups to design and deliver innovative payment capabilities, aligning business objectives, technical feasibility, and customer outcomes.
    • Collaborated closely with Product Management to shape roadmaps and enhancements, ensuring investment decisions were informed by merchant needs, risk, and value.
    • Coordinated integration and certification efforts across TD Merchant Solutions, ensuring timely delivery and adherence to merchant, regulatory, and network requirements.
    • Built and maintained strong cross-functional partnerships with Relationship Managers, IT leaders, Business Leads, Project and Product Managers, Sales Support, and external vendors.
    • Drove continuous improvement in delivery processes, recommending and implementing strategies to enhance speed, quality, and predictability of payment solution execution.

    May 2012 – June 2015

    Product Manager / TD Merchant Solutions, Toronto

    • Advised internal teams and external clients on integrated payment solutions, ensuring fit-for-purpose designs that align with business goals and operational realities.
    • Partnered with a broad ecosystem of stakeholders—including value-added resellers, device manufacturers, and third-party payment software providers—to deliver scalable, compliant solutions.
    • Led solution design and vendor collaboration, leveraging strong technical expertise to develop innovative capabilities and ensure high-quality implementation.
    • Accountable for end-to-end coordination of Point-of-Sale integration and certification programs, aligning internal and external teams to deliver for tier-1 and tier-2 merchant portfolios.
    • Directed merchant Point-of-Sale integration, certification, pilot, and rollout activities, ensuring readiness, risk mitigation, and successful production adoption.
    • Developed and delivered training and coaching for internal partners on payment solutions and transaction processing.

    September 2005 – April 2012

    IT Solutions Developer / TD Technology Solutions, Toronto

    • Designed, developed, and unit tested enhancements across multiple authorization system initiatives, including network compliance and feature delivery.
    • Authored comprehensive technical and delivery documentation, including solution design specifications (SDS), deployment strategies, release plans, and implementation/change-management artifacts to support governance and audit readiness.
    • Led the planning and execution of end-to-end testing—integration, system, and performance—ensuring quality, stability, and production readiness across releases.
    • Conducted system impact assessments for proposed changes, identifying risks, dependencies, and downstream impacts to inform delivery decisions.
    • Led delivery and certification of front-end payment acceptance solutions, ensuring end-to-end readiness across devices, hosts, and merchant environments.
    • Developed, refined, and maintained certification test scripts and automation assets, improving coverage, repeatability, and time-to-certification.
    • Owned device security compliance submissions, assessing required artifacts and coordinating internal approvals to meet security and brand requirements.
    • Provided strategic technology guidance and solution recommendations, partnering with stakeholders to enhance payment capabilities and implementation approaches.
    • Delivered risk assessments and impact analyses, recommending mitigation strategies and driving alignment on best-path solutions.
    • Built internal applications and utilities to increase delivery efficiency, including a management forecasting tool, cryptographic utilities, and a script/results repository database.
    • Enabled business and technology partners through training, supporting adoption of new payment solutions, certification processes, and operational procedures.
    • Managed key injection and key management initiatives for existing and newly introduced payment devices, ensuring secure handling and operational continuity.
    • Owned requirements, testing, deployment, and support documentation for device key injection solutions, supporting reliable rollout and ongoing operations.


    Core Competencies and Skills

    Leadership

    • People Management
    • Risk Management
    • Mentoring, Training, Guidance
    • Build Strong Communication and Relationships
    • Process Improvement
    • Design and Innovate New Products/Features/Enhancements
    • Project Management

    Assets

    • Scaled Agile Framework (Scrum/Kanban)
    • Release management
    • PMLC and SDLC
    • Analytics, Problem Investigation and Resolution
    • Impact Assessment
    • Customer operations and support

    Transaction Ecosystems

    • Merchant Reconciliation
    • Authorization, Clearing/Settlement
    • Payment Applications, Devices, and Host Integrations
    • Terminal and Card Acceptance

    Payment Solutions

    • Fully/Semi/Standalone Integrated/eCommerce
    • Mobile Solutions
    • Pay-at-Pump
    • Account Funding

    Digital and Standard Payments

    • EMV Contact and Contactless
    • In-App, Mobile and Form Factor
    • Digital Wallets and 3D Secure

    Specifications and Standards

    • Payment Card Network Interfaces and Operating Regulations
    • PCI (PTS, DSS, PIN, P2PE)
    • Terminal Acceptance Guides
    • Compliance Mandates
    • EMV Books (Contact and Contactless)
    • Single/Dual Message
    • ACI SPDH, ISO8583
    • Givex and ValueLink

    Payment Applications

    • Verifone FiPay
    • Eigen MiraServ
    • Tender Retail Multi
    • Bambora eCommerce
    • Ingenico t/CPX
    • Verifone XPI

    Payment Security

    • Cryptography 
    • Host Security Modules
    • Key Injection
    • Certificate Management

    Encryption Solutions

    • Merchant and Payment Card Network Tokenization
    • End-to-EndP2PE Encryption

    Networking

    • Firewalls
    • Routing
    • VPN/MPLS/Open

    Test Tools, Simulators

    • ICC Solutions/UL (Collis)
    • MasterCard MTIP
    • Galitt Kanest
    • Visa VTS/CDET/ADVT

    Semi Payment Interfaces

    • NBS NOIR
    • Ingenico Tetra

    Education

    2005 – Computer Programming and Analysis / Seneca College

    2003 – Computer Science / York University