Jun 2023 – Present · 2 yrs 9 mos · Paris, Île-de-France, France · Hybrid

• The Financial Services Business Line covers all the activities of the Group in the 🏧banking sector, across all 🌏geographies:
• 👉🏼Consulting with Sopra Steria Next
• 👉🏼Systems Integration & IT Services
• 👉🏼Infrastructure management & cybersecurity
• Within the Business Line, I lead the 🎆Operations & Partnership team, which has the following missions:
• 👉🏼Create, maintain and lead the commercialisation of the Business Line offers
• 👉🏼Lead innovation activities
• 👉🏼Setup and manage the Business Line’s partnerships
• 👉🏼Oversee the transformation plans of the Business Units which are covered by the Business Line
• 👉🏼Manage the Business Line governance
• Areas covered include strategy, organisation, international business development, offer management, offer development, Go-to-Market, innovation, transformation.
• Expertise areas include payments, lending, credit, regulatory reporting, digital banking, financial technologies, Fintech, digital transformation, innovation, Banking as a Service (BaaS), Open Banking (PSD2 AIS and PIS, PSD3), Open Finance, Artificial Intelligence (AI), Generative AI, Machine Learning (ML), data, crypto currencies, bitcoin, blockchain, decentralized finance, quantum computing, ESG, CSRD, SFDR, risk management, trust, digital identity.

Sep 2021 – Present · 4 yrs 6 mos · Paris, Île-de-France, France

• ✍🏼Professor at the ESSEC Global MBA: Digital Transformation
• ✍🏼Professor at the ESSEC Master of Finance: Managing IT in the Digital Age; The ESSEC Master of Finance is ranked number 4 in the world by the Financial Times.
• Topics covered by the course include Management, Strategy, M&A, Information Technologies, AI, Data, Cloud, Fintech, Digital Transformation, Disruption, Platforms, ESG, Green Finance, Mobile Payments, Agile, Lean Startup, APIs.

Sep 2020 – May 2023 · 2 yrs 8 mos · Greater Paris Metropolitan Region

• 2KD: 2000 degrees, the temperature to turn carbon into diamonds.
• Strategy and management consulting services for fast-growing tech companies, investment funds and digital transformation programs of large enterprises.
• Engagement themes include strategic advisory, scaleup, startup, organization, international expansion, international business development, product management, product development, Go-to-Market, alliances, venture partner, operating partner, board member, non-executive director.
• Expertise areas include payments, digital banking, financial technologies, Fintech, digital transformation, innovation, Banking as a Service (BaaS), Open Banking (PSD2 AIS and PIS), Open Finance, Artificial Intelligence (AI), Machine Learning (ML), data, crypto currencies, bitcoin, blockchain, decentralized finance.

Dec 2018 – Jul 2020 · 1 yr 7 mos · Greater Paris Metropolitan Region

• I successfully restructured and rebuilt the business to offer white label B2B2C and B2B2B Banking-as-a-Service (BaaS) to Financial Technology companies (FinTechs, startups, scaleups), traditional banks, and other service providers and brands. The Ditto digital banking offer was initially launched in 2018 to serve international travelers.
• First offers were aimed at B2B customers: Small and Medium Size Businesses (SMBs), freelancers, SOHO:
• Compliance as a service
• Credit as a service: loans, Buy Now Pay Later (BNPL), installments
• Ditto Services developed a state of the art Software as a Service (SaaS) platform to serve this strategy: micro-services, APIs, cloud-native, DevSecOps, digital, mobile, web.
• Geography: France, Europe, EMEA

Jun 2017 – Nov 2018 · 1 yr 5 mos · Paris

• BPCE Group is the 20th largest bank in the world (24 billion euros of revenues, 106 000 employees) and operates under 3 main brands: Banque Populaire, Caisse d'Epargne, Natixis (public company Euronext)
• As part of the Group Digital Function which reports to the CEO, I am in charge of:
• 1 - Digital for all the services (accounts, payments, credit, savings, insurance, etc.) we provide to B2B customers: freelancers, independent contractors, Small and Mediums Size Businesses (SMBs), corporations, non-profit associations, municipalities, public sector entities, etc.
• 2 - New Business Models, ie. the creation and development of new digital businesses
• In particular, I rolled out an innovative loyalty solution at payment terminals (POS terminals) distributed by Banque Populaire (Fid Pro) and Caisse d'Epargne (Boost Fid).
• Functional areas covered by the position: strategy, digital banking, digital transformation, product management, product development, partnerships, payments, customer experience, online sales, distribution

Mar 2016 – May 2018 · 2 yrs 2 mos · New York City Metropolitan Area

• As part of the Design Management Program (2-year program leading to an accredited Master of Professional Studies), lectures on digital, new business models, management of IT projects, mobile financial services.

Mar 2016 – Jun 2017 · 1 yr 3 mos · New York City Metropolitan Area

• Omnyway provides an augmented commerce platform which enables retailers, banks, and brands to digitize the entire shopping experience.
• Omnway powers the Kohl's Pay service which integrates loyalty, coupons and payment in a seamless rich checkout experience.
• Omnyway was created by serial entrepreneurs in the payment and commerce industry: Bill Melton, founder of Verifone; Ashok Narasimhan, founding CEO of Wipro; Mohammad Khan, employee no.4 at Verifone and co-founder of ViVOTech.
• In charge of managing (a) strategic partnerships on a global basis and (b) activities outside the US.

Feb 2011 – Mar 2016 · 5 yrs 1 mo · United States

• Global leader of digital products and solutions (EMV, chip, smartcard, contactless, NFC, mobile, digital wallet, person to person payment P2P, CP and CNP payments, e-commerce, value-added services, tokenization services eg. for Apple Pay)
• Strategy
• Product and business development, go-to-market and operations of services
• Partnerships with digital players (technology providers, telcos), payment industry, start-ups
• Management of large team across multiple locations (US, Americas, EMEA, APAC)
• Mastercard is a global payment network. Public company on NYSE.
• The role included board director positions at JVs between Mastercard and telcos, M&A transactions of Mastercard.

Nov 2005 – Jan 2011 · 5 yrs 2 mos

• Creation and deployment of new business activities:
• "Orange Money" program in Africa and Middle East - one of the most successful mobile financial services in the world (in 2020, more than 50 M customers and 500 M€ revenues)
• Electronic airtime top-up systems (domestic and cross-border)
• Mobile contactless services in Europe (NFC, payment, transport ticketing, loyalty, etc.)
• Orange-branded payment card projects in France, UK, Spain, etc.
• Functional areas: strategy, product development, product management, go-to-market, sales, marketing, distribution, strategic partnerships, board director at several subsidiaries and JV.
• Expertise areas: NFC, EMV, digital payment, mobile payment, smartcard.
• Orange is one of the largest telecommunication operators in the world. Public company on Euronext Paris.

Oct 2002 – Nov 2005 · 3 yrs 1 mo

• Operations of Moneo, French smartcard-based e-purse scheme
• Business development for new payment service over the Internet and mobile phones

Sep 2000 – Oct 2002 · 2 yrs 1 mo

• Technology Consulting Services (networks & telecoms, infrastructure services, information security)
• Project Management
• Consulting Practice Management

Sep 1995 – Aug 2000 · 4 yrs 11 mos

• Worked on major military communication programs (300 million pounds€ contract).
• Design Engineer, pre-sales technical consultant, technical manager