05 / Fiserv · B2B Conciliation · 2021Carat portal · Product design

Make payment operations legible.

One modular portal for sales, reconciliation, risk, onboarding and reporting.

Portal · Data · Onboarding · Reconciliation

01 / Product craft

Design the decision surface around the work.

The operator concept brought customer context, available receivables, notes and simulation into one high-fidelity workspace. It is shown as a concept direction, not as shipped production.

High-fidelity Fiserv concept for a receivables operator workspace with customer context, available balance and simulation actions — Concept study · Receivables operator overview

High-fidelity Fiserv concept showing receivables records, status and simulation actions — Concept study · Records, status and action hierarchy

Carat dashboard with alerts, sales metrics and data visualizations — Carat interface study · Overview, alerts and business health

Carat sales dashboard with weekly trends and payment-method distribution — Carat interface study · Sales performance and channel detail

02 / Context

A portal spanning the payment operation.

Carat needed to serve merchants and partners across sales, reconciliation, antifraud, settings and a growing product hub. The challenge was a fragmented payment ecosystem, with separate portals and no integrated view of the business.

As senior designer across the payments portfolio, I contributed directly to Gateway and Financial Management through information architecture, product flows, high-fidelity interface design, research direction and a reusable component foundation.

ProblemFragmented portals · No integrated business view
My roleSenior Designer · Direct product contribution
CollaborationProduct · Design · Technology · Business
StatusCarat production portal · 34 documented components

03 / Production context

Real operations set the bar for clarity.

The live merchant portal exposed the density of sales and anticipation work. These screens are production references used to understand the operation, not the redesigned Carat interface.

Production reference · Merchant overview, 2021

Production payment portal showing anticipation records and statuses — Production reference · Anticipation operations, 2021

04 / Interface system

A system for data-dense decisions.

Hierarchy, color and components were tuned for scanning first, then examining the underlying operation.

Portfolio reconstruction · Brand and chart logic across desktop and mobile · Synthetic data

Fiserv button documentation and component library — Component anatomy, states and implementation references

05 / Product architecture

Modular without becoming fragmented.

The navigation connected action and monitoring within each business domain.

Sales, reconciliation and antifraud shared a predictable structure, while profile, accounts, configuration and the product hub stayed accessible without flattening their different jobs.

Carat site map connecting sales, reconciliation, antifraud, settings and hub — Modular information architecture

06 / Partner onboarding

Separate responsibilities. Keep one journey.

Partner and client tasks were staged as one connected onboarding model.

Mobile onboarding screen for selecting payment acquirers — Choice in product language

Partner and client onboarding map — Responsibilities and handoffs

Progressive KYC model with three steps — Progressive KYC requirements

07 / Operational depth

Reconciliation as a product surface, not a spreadsheet.

The same system brought channel, acquirer and cancellation data into a readable mobile view.

Portfolio reconstruction · Acquirer-level operational detail · Synthetic data

08 / Refinement

Small adjustments made dense data easier to use.

Usability sessions confirmed the direction and exposed specific clarity issues.

Add explanation where KPI meaning was not self-evident.
Move filtering closer to the content it changes.
Resize screens and data blocks to preserve hierarchy across viewports.

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