03/28/2026 updated
100 % available
Business Analyst and Product Manager - Payments, Regulatory Compliance, Core Banking
Luxembourg, Luxembourg
France +1
Bachelor's degreeinfo: France, Luxembourg
About me
Product Manager, Project Manager, Business Analyst-Payments, AML/Regulatory compliance and Business Analyst in Banking & Financial Services (BFS). Proven expertise in leading Digital Transformation and Regulatory Compliance projects.
Application Programming Interfaces (APIs)Artificial IntelligenceAutomationBankingBusiness Process Model and NotationBusiness AnalysisTechnical AnalysisComplianceData ManagementData MigrationMobile Device ManagementDigitizationRAIDFinancesException Handling
Digital Transformation & Regulatory Compliance
Expertise in leading digital transformation projects and regulatory compliance within banking and financial services, specializing in SEPA, ISO 20022, and AML/KYC frameworks
Payment Product Management & Strategy
Experience in defining multi-year roadmaps for payment ecosystems and managing Product Lifecycle from discovery to GTM strategy for REST APIs, Digital Wallets, and Embedded Finance
Deep Payments Domain Knowledge
Specialist knowledge in SEPA, ISO 20022, SWIFT, Card Payments, Digital Wallets, Embedded Finance, Tokenization, PCI-DSS compliance, and Cross-Border transaction flows
Project Management
Defining objectives, resource coordination, roadmap planning, and timeline management with focus on RAID management and milestone tracking for international banking projects
Business Analysis
Requirements gathering and Elicitation, Gap Analysis, Impact Analysis, Risk and Compliance Assessment
Data Migration & Master Data Management
End-to-End data lifecycle management, leveraging SQL and MDM frameworks to drive seamless transitions from legacy systems to modern banking architectures
Technical Analysis
REST API Design and Strategy, Microservices, SQL, XML, JSON, YAML Swagger/Open API, Gen AI and DeFi
UI/UX Design
User-centric design for digital wallets, payment portals, and merchant dashboards focused on reducing friction and Time to Pay, BPMN 2.0 and UML
Process Orchestration and Design
Business Process Model and Notation 2.0 documentation and automation of complex payment lifecycles, exception handling, and settlement workflows
Expertise in leading digital transformation projects and regulatory compliance within banking and financial services, specializing in SEPA, ISO 20022, and AML/KYC frameworks
Payment Product Management & Strategy
Experience in defining multi-year roadmaps for payment ecosystems and managing Product Lifecycle from discovery to GTM strategy for REST APIs, Digital Wallets, and Embedded Finance
Deep Payments Domain Knowledge
Specialist knowledge in SEPA, ISO 20022, SWIFT, Card Payments, Digital Wallets, Embedded Finance, Tokenization, PCI-DSS compliance, and Cross-Border transaction flows
Project Management
Defining objectives, resource coordination, roadmap planning, and timeline management with focus on RAID management and milestone tracking for international banking projects
Business Analysis
Requirements gathering and Elicitation, Gap Analysis, Impact Analysis, Risk and Compliance Assessment
Data Migration & Master Data Management
End-to-End data lifecycle management, leveraging SQL and MDM frameworks to drive seamless transitions from legacy systems to modern banking architectures
Technical Analysis
REST API Design and Strategy, Microservices, SQL, XML, JSON, YAML Swagger/Open API, Gen AI and DeFi
UI/UX Design
User-centric design for digital wallets, payment portals, and merchant dashboards focused on reducing friction and Time to Pay, BPMN 2.0 and UML
Process Orchestration and Design
Business Process Model and Notation 2.0 documentation and automation of complex payment lifecycles, exception handling, and settlement workflows
Experience
Professional experience10+ years
Freelancer since2020
Languages
EnglishFluentFrenchFluent
Project history
Led current-state assessments of Network Authorization applications against industry benchmarks, identifying key drivers to enhance transaction approval rates. Identified 5 critical reasons for transaction declines and proposed technical solutions like Dynamic Risk Scoring and Card-on-File Tokenization.
Owned the product vision and roadmap for a suite of REST APIs supporting Embedded Payments, Payee Choice, Bank Information and PaySmart. Designed and deployed the Payee Choice API, achieving a 60% improvement in response time.
Led end-to-end requirement analysis and user story design for 21 critical SEPA SDD features in the Finacle Payment system. Bridged SEPA standards with the Finacle core banking platform to ensure robust functional integration.