Ratepay
Janine G. has extensive experience in consumer risk and fraud prevention, currently serving as the Head of Consumer Risk at Ratepay since December 2016, where previous roles included Team Lead and Senior Risk Manager. Prior to Ratepay, Janine G. held positions at Zalando SE from April 2011 to November 2016, including Team Lead of the Fraud Prevention Screening Team. Early career experience includes roles at MIB Systemgastronomie and Deutsche Bank PGK AG, where training as a bank clerk took place. Janine G. holds a Bachelor of Arts degree in Business Administration and Economic Psychology from Euro-FH Europäische Fernhochschule Hamburg, obtained between 2011 and 2016.
Ratepay
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Ratepay are specialised in online payment solutionsRatePAY is the perfect payment partner for a successful e-commerce business. They optimize the payment process in the checkout of an online shop with their products. Merchants can offer their customers safe and popular payment methods such as instalment payments, open invoice and direct debit.Merchants transfer the risk of default payments directly to RatePAY while increasing their revenue at the same time.They bring together all parties involved and take over the organisation, management and coordination of all upcoming tasks. They assume the full responsibility for their efficient risk management themselves, since they are experts in this field and continually work on fostering, tailoring and optimising their audit and assessment methods. They also undertake tasks as debtor management. As far as their technology is concerned, they rely on powerful methods, tools and service providers.RatePAY GmbH was founded in late 2009 by internet and payment experts. They are a young, professional and highly motivated company. They are constantly looking for the best possible innovative solutions. Together with the experience and expertise of their entire staff, their service providers and consultants, this is reflected in each of their products.RatePAY GmbH is part of the Otto Group.