Senior Payments & Regulatory Compliance Advisor | Digital Euro | Blockchain | Payment Systems

Payment Systems Architecture
Deep expertise in designing and implementing end-to-end payment rails including SWIFT, SEPA Instant, TIPS, TARGET2, RTGS, and multi-currency ACH systems. Proven track record in architecting scalable, PCI-DSS/SOC-compliant payment processing infrastructures for domestic and cross-border transactions.

Regulatory Compliance & Risk Management
Comprehensive knowledge of financial regulatory frameworks including AML/CFT, GDPR, PSD2, and KYC policies. Extensive experience building compliance infrastructures, sanctions screening protocols, and risk-based transaction monitoring systems achieving zero regulatory penalties.

Digital Euro & CBDC Strategy
Hands-on experience at the European Central Bank orchestrating User Testing frameworks for the Digital Euro Market Rollout, defining validation scenarios, and designing training and onboarding strategies for Payment Service Providers and National Central Banks to drive CBDC adoption.

Blockchain & DLT
Master-level education in Blockchain, Smart Contracts and Criptoeconomy. Practical experience supporting DLT-based projects for Wholesale Central Bank Money Settlement (PONTES Project) and training teams on DLT and Blockchain concepts.

ISO 20022 & SWIFT Messaging
Spearheaded ISO 20022 migration projects at Banco de España, developing messaging specifications for cross-system interoperability and leading technical and functional requirements analysis for Eurosystem MI Projects including T2S, TIPS, and T2-T2s CSLD.

Agile Project Management
Application of Lean Agile methodologies to redesign payment workflows (SEPA, card acquiring, FX), reducing processing errors significantly. Leadership of cross-functional squads across Product, Engineering, and Legal to deliver compliant product launches within strict regulatory timelines.

Licensing & Regulatory Approvals
Led end-to-end integration of Payment Institution Licenses into operational and product frameworks, aligning legal, technical, and compliance requirements. Experience preparing and submitting licensing applications to central banks and managing relationships with regulatory authorities.

Technical Architecture & Third-Party API Integration
Design of functional architectures bridging Core Banking Systems with payment institution infrastructure. Integration of third-party APIs and real-time FX conversion mechanisms for multi-currency ACH/RTGS transactions.

Stakeholder Management & Strategic Advisory
Advisory experience at senior management level aligning regulatory strategy with business objectives. Facilitation of cross-functional collaboration between compliance, legal, finance, product development, and technology teams, as well as engagement with central banks, regulators, and financial institutions.

Training & Capacity Building
Design and delivery of comprehensive training and onboarding strategies for PSPs and NCBs. Development of internal guidelines and best practices for handling complex regulatory environments and compliance standards.