QUALITY CONSULTATION
As an ISTQB Certified Test Specialist and payment systems expert, I bring over 30 years of specialized experience in international cashless payments, digital wallets, and quality assurance to help organizations achieve operational excellence and regulatory compliance.
Ready to transform your payment operations? Let’s discuss how my expertise can help you achieve sustainable competitive advantages, ensure regulatory compliance, and deliver exceptional payment experiences. Contact me today to explore tailored solutions for your organization.
Core Expertise
I work across Board, CxO, and implementation levels, delivering strategic consulting and hands-on expertise for complex payment ecosystems. My client portfolio includes leading financial institutions such as PostFinance, Raiffeisen Bank International, Unicredit, Hypovereinsbank, Bayern Card Services, Deutsche Kreditbank, and S-Payment, as well as direct engagements with Visa (Europe) and MasterCard Advisors as a preferred delivery expert and consultant.
Strategic Consulting Services
Business Strategy & Innovation
- Business Model development and assessment
- Customer Segmentation and Value Proposition design
- Digital transformation roadmaps for payment operations
- Competitive positioning and market entry strategies
Quality Assurance & Testing
- System Integration and User Acceptance Testing (UAT) for digital payment platforms
- Defect Management and resolution coordination with multi-stakeholder ecosystems
- Test case development for Apple Pay, Google Pay, and mobile wallet implementations
- Quality program design and mystery shopper evaluation systems
Implementation & Project Delivery
- Complex, international, cross-border business and IT system requirements
- Mission-critical payment system implementations
- Multi-country, multi-lingual Shared Service and Transaction Processing Centers
- Vendor and supplier selection, evaluation, and management
- Service Level Management and Operational Process Improvements
Compliance & Risk Management
- PCI DSS compliance preparation and audits
- Risk management frameworks (SAS70 reviews, RAMP)
- Regulatory compliance for card issuance and acceptance
- Payment security and fraud prevention strategies
Organizational Excellence
- Stakeholder and Business Change Management
- Interim General Management and turnaround leadership
- Multi-disciplinary team leadership (9 to 300+ persons across multiple countries)
- High-volume, consumer-oriented Financial Service operations optimization
Technical Specializations
- Payment Networks: Mastercard, Visa, girocard rules, regulations, and best practices
- Digital Wallets: Apple Pay, Google Pay, Host Card Emulation (HCE) implementations
- Tokenization Services: MDES, VTS, girocard Token Management System
- Payment Channels: Contact/contactless, e-commerce, CAT terminals, MOTO, recurring billing
- Testing Tools: Jira, Confluence, X-Ray, Apple Radar, Thales ticket tracking systems
Proven Track Record
With an MBA from IMD Lausanne and a BSc in Applied Mathematics from West Point, I combine analytical rigor with strategic thinking. I have led successful implementations across the USA, Germany, Iceland, Ireland, Great Britain, Greece, Ukraine, Poland, Romania, Czech Republic, Slovakia, Austria, Bulgaria, Kosovo, and Serbia.
Key certifications:
- ISTQB Certified Tester
- PRINCE 2 Practitioner (Project Management)
- ITIL v3.0 Foundation