Yumiko Almendras
Payments & Fraud Leader - Lime | Ex-Amazon (9 Years)
- Role
- Product Head - Payments, Fraud, and Sox Compliance at Lime
- Location
- Seattle, WA, US
- LinkedIn followers
- 500 followers
About Yumiko Almendras
Payments and fraud product leader with 15+ years of experience across mobility, retail, and finance. I focus on high-impact problems where payments, risk, pricing, and customer experience intersect—and where the right decisions directly improve growth, margin, and trust.Currently leading Payments & Fraud product at Lime, with end-to-end ownership of payment acceptance, authorization strategy, fraud mitigation, and financial systems at scale. Previously led retail and pricing automation initiatives at Amazon, and started my career in finance leadership at Unilever.CPA with an MBA from UVA Darden. Known for combining strong financial instincts with practical, data-driven execution.Core areas: Payments strategy • Fraud & risk • Pricing & margin optimization • Authorization & conversion • New payment methods • Ledger & reconciliation
Experience
Product Head - Payments, Fraud, and Sox Compliance
Aug 2022 — Present · Seattle, WA, US
I lead the strategy and execution for Lime’s global payments, fraud, and compliance platforms, powering millions of transactions across 150+ cities. My focus is on building systems that actually move the business—improving authorization, reducing fraud, and lowering costs in ways that show up clearly in revenue, margins, and rider experience.I enjoy working at the intersection of product, finance, and operations, partnering closely with engineering, data science, risk, and legal teams to build scalable, audit-ready financial infrastructure. A big part of my role is making tough tradeoffs—deciding where to invest, what to optimize, and how to balance growth with risk and efficiency.I tend to approach product like a business owner, using metrics, experiments, and real-world customer behavior to guide decisions. I’m just as comfortable shaping strategy as I am digging into SQL, reviewing flows with engineers, or solving operational issues that impact riders and partners every day.
Education
De La Salle University
Bachelor of Science, Accountancy
University of Virginia Darden School of Business
Master of Business Administration (MBA)
Skills
- Management
- Investments
- Training
- Finance
- Financial Analysis
- Negotiation
- Analysis
- Project Planning
- Supply Chain
- Sales
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