ISO 20022 Experts in Germany
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Meet FRATCH Experts in Germany, who have recently used ISO 20022
Michael Schwendemann
Last position:
Compliance/TPRM setup at Haftpflichtkasse
Compliance department setup & DORA operationalization
- Setup of a complete compliance organization according to DORA
- Development and operationalization of SfO
- Use of AI agents for automation:
- Evaluation of due diligence questionnaires including risk classification
- AI-supported contract analysis (DORA/MaRisk compliance)
- Monitoring of external data sources (cyber incidents, news feeds)
- Setup of a decentralized risk and action register
- Creation of gap analyses and derivation of actions
- Setup and maintenance of the outsourcing information register
- Use of own TPRM frameworks, checklists and process models
Compliance department setup & DORA operationalization
- Setup of a complete compliance organization according to DORA
- Development and operationalization of SfO
- Use of AI agents for automation:
- Evaluation of due diligence questionnaires including risk classification
- AI-supported contract analysis (DORA/MaRisk compliance)
- Monitoring of external data sources (cyber incidents, news feeds)
- Setup of a decentralized risk and action register
- Creation of gap analyses and derivation of actions
- Setup and maintenance of the outsourcing information register
- Use of own TPRM frameworks, checklists and process models
- Project controlling - presentation and structured measurement of achieved project goals within management reporting.
Guido Bäcker
Last position:
Independent Management Consultant and Interim Manager at BCTC Unternehmensberatung Guido Bäcker
Consulting, training, and coaching in the financial sector on strategy, organization, and IT topics
MorgenFund: Advising the operator of a fund platform on software selection for a sub-ledger "Cash Accounts" based on Virtual IBANs (VIBAN)
Structuring requirements, market screening, creating RfIs, communicating with vendors, and conducting the selection process
UniCredit/HypoVereinsbank: Workstream lead "Booking and Customer Reporting" in the payment transformation project "PULS"
Business analysis, creating business requirements and aligning solution items as part of the functional specification with the bank's IT service providers
Business analysis of SEPA CT and SWIFT MX (.camt, .pain, and .pacs formats), change management, team lead for a virtual team of fifteen line experts, and stakeholder management
equensWorldline Germany: Program management for three projects of the SWIFT service bureau (CBPR+, ESMIG, and Euro1Step1 migration) as part of the SWIFT MX migration
Managing individual project managers regarding overarching goals and requirements; reporting to internal and external committees and stakeholders; coordinating with dependent projects and programs
Project management/PMO: interim project management, stand-in for project managers, resource planning, budget and cost management, general PMO tasks
Victor Klyushkin
Last position:
SAP S/4HANA Financial Consultant at SIIX
SAP S/4HANA Implementation (Greenfield)
- SAP Finance Reporting
- VAT Reporting
- Foreign Plants
- Tax Calculation for SD/MM
- Z4/Z5 Reports
- Intrastat
- SAP DRC (E-Invoicing)
System: SAP
Industry: Manufacturing
Team: 10
Sergei Minkov
Last position:
Program Manager / Program Lead (Contractor) at Telefonica
Program Manager for a radical architecture and IT transformation program (RAITT) reshaping the applications landscape (i.e. cloud transformation) and operating model into agile organisation.
- E2E readiness towards mass-market business division covering demand, delivery, test and roll-out phases
- Driving Telefonica internal teams and external system integrators to ensure delivery on time and in quality in adherence to defined processes
- Management of risks, issues and dependencies on program level
Patrick Waldschmitt
Last position:
AI Software Engineer at IppenMedia
- Analysis
- Consulting
- Software design
- Development
- Automation
- Testing
- Deployment
- Architecture, development and deployment of various proof-of-concept applications around the integration of current AI interfaces including conversational, realtime voice, images and videos
- Developed best practices for working with agentic systems and AI in practice
- Created code templates
Mehmet Akif Seyfi
Last position:
Senior SAP FI/CO Consultant (Freelancer) at maseyfi consulting
Short profile:
- Active in national and international projects focusing on rollouts, transformations, release upgrades and subproject management
- Supporting the design, implementation, configuration and optimization of accounting processes
- Taking responsibility from functional design through customizing to go-live + hypercare and serving as an interface between the business and IT
- Structured analysis of complex financial processes, clear communication with stakeholders, and a pragmatic, solution-oriented approach
SAP FI/CO expertise:
Comprehensive knowledge and experience in SAP FI/CO modules, including implementation, configuration and optimization
Project management:
Experience in leading and coordinating SAP projects, including rollouts and system migrations
Process optimization:
Skills in analyzing, consulting and improving business processes in the SAP environment
SAP S/4 HANA & SAP ECC:
Experience with SAP S/4 HANA / SAP ECC implementations and migrations
ABAP programming:
Knowledge in ABAP programming for custom developments and adjustments
Data analysis:
Skills in data analysis and evaluation, especially with SAP tools and Excel
International projects:
Experience in executing SAP projects in various countries and cultures
Service portfolio:
- Functional and technical consulting
- Requirements/data/process analysis
- Creating functional designs, blueprints and solution proposals
- Customizing and support in FI/CO including process optimizations
- Conducting workshops/tests
- Preparing training materials and conducting user training
- Data migration
- Interface support including development knowledge
- Partial/full project management, cutover management and hypercare
Industries:
- Precision mechanics and optics industry
- Automotive industry
- Food industry
- Beverage/food industry
- Mechanical engineering
SAP knowledge:
- Very good knowledge of SAP CO, FI and AA
- Additionally: SAP DRC, Fiori, Concur, DART, DMEE and user exits
- Good knowledge of SAP PS, authorization management and ABAP
- Basic knowledge of SAP components MM, PP, SD
- Basic knowledge of the HR module
- Version experience: SAP R/3 4.7 / SAP ECC / SAP S/4 HANA
- Migration tools: LSMW, Migration Cockpit
Experience with legal requirements:
- Germany
- Hungary
- Turkey
- Switzerland
- China
- Czech Republic
- Slovakia
- United Kingdom (UK)
- Sweden
- France
- Portugal
I am an SAP FI/CO consultant with extensive experience in national and international projects. My focus is on rollouts, transformations, release upgrades, and managing subprojects. In doing so, I take responsibility from functional design through customizing to go-live and hypercare. As an interface between business and IT, I ensure that complex financial processes are analyzed in a structured way, communicated clearly, and implemented pragmatically.
My core expertise lies in the SAP FI/CO modules, where I have successfully carried out implementations, configurations, and process optimizations. With in-depth knowledge of SAP S/4 HANA and SAP ECC, I reliably support companies in implementations, migrations, and release upgrades. Additionally, I have experience in ABAP programming for custom adjustments and developments, allowing me to flexibly meet individual requirements.
I bring extensive experience in leading and coordinating SAP projects, particularly in rollouts and system migrations. In the process, I carefully analyze business processes in accounting, develop practical solutions, and implement them efficiently. My approach combines structured project management with pragmatic process understanding to achieve tangible results for companies.
I have executed SAP projects in numerous countries, taking into account different legal requirements. This international experience has not only given me technical know-how but also intercultural competence, flexibility, and the ability to successfully manage complex projects in various regulatory environments.
If you are looking for an experienced SAP FI/CO expert to support national and international projects with responsibility, technical expertise and a pragmatic process understanding, I look forward to hearing from you.
Thorsten Otremba
Last position:
Workstream Lead (WS) at Bank-Verlag GmbH
- Introduction of giro card with Visa Debit card payment function (Combocard) for Commerzbank
- Support for the Card Processing Team (card processing; Clearing & Settlement incl. Dispute Management teams) in project work
- Creation of requirements for the Clearing & Settlement team, Authorization team (AZ) and Card Production team (KP) as part of a requirements catalog
- Requirements engineering (requirements management) with business contact person
- Participation in workstream meetings between VISA Inc., SRC Security Research & Consulting GmbH, Commerzbank AG and consulting firms (PwC and Senacor Technologies AG)
- Sprint planning with Jira tickets of type Task and use of Confluence
- Creation and presentation of weekly status reports for the Clearing & Settlement, Dispute Management and Reporting & GUI workstreams
- Coordination with network and file transfer teams for connection tests of new interfaces, e.g. setup of host keys, use of VPN or sipnet connections
- Coordination of the delivery of test files, e.g. exchange rates (FX rates; TC 56 of VISA rates), VISA Debit and Credit transactions (format Base II) and EANSS/ISS Base II clearing files to the Debit Clearing System (DCS)
- Conducting coordination meetings on the use of Visanet Settlement Service (VSS) and PSD2 reports and payment traffic statistics (ZVS)
- Organizing workshops with FiServ (First Data) on Dispute Management and complaint handling
- Setup and maintenance of Open Point List (OPL) in Confluence
- Technologies/methods: Jira, Confluence, giro card, VISA Debit card, payments, Kanban board, BIN, routing, CIQ, VPAY, ScalaTest, Dispute Management
Silvia Biedermann
Last position:
Business Consultant - Product Management Banking at Aareal Bank AG
- Focus on EBICS optimization and further development of the customer’s internal EBICS application
- Business and technical consulting for Aareal First Financial Solutions AG on products and applications of the EBICS standard in the areas of operations and further development, as well as project-related communication with external development partners and the product vendor to map the relevant optimizations on a technical level
- In the role of business coordinator, consulting on content-related and regulatory requirements as well as technical prerequisites and needs, and consolidating these on a business level
- Consulting on the use of EBICS formats
- Review of the current EBICS standard for potential optimizations and further development
- Analysis of the current state to identify further development potential and derive suitable recommendations for action, taking regulatory requirements into account
- Carrying out EBICS tests during the project
- Responsible on a business level for requirements management, and in this context capturing and documenting requirements for such tests
- Design of a functional and long-term test management approach
- Execution and evaluation of tests
- Consulting on sustainable quality assurance and audits
- Project languages: German and English
- Tools/methods: MS Project, MS Office, MS Visio, TestRail, Confluence, Jira, Business Logics Bank Rechner, Business Logics test data generator, Business Logics banking tool, Business Logics test system, DBEAVER, Squirrel, Unix virtual machines, WinSCP, Kitty, PuTTY, various Aareal Bank products, online banking portal, Aareal Sign, core banking system, SAP Blue Eagle, SAP RE-FX, Aareon Wodis Sigma, Haufe Real Estate Wowinex, GAP Group Immotion, UTS Karthago, SAP IS-U/Waste, SIV kVASy, various EBICS clients
Pranjal Narayan
Last position:
Consultant – Business Process & Supply Chain Advisory at Restaurant Namaste Aschaffenburg
- Designing and optimizing the end-to-end supply chain for a newly established restaurant, covering fresh produce, dry goods, beverages, and kitchen essentials
- Setting up ordering cycles, ensuring food-safety compliant logistics, and aligning delivery schedules with kitchen operations to maintain product quality and reduce waste
- Building procurement frameworks and vendor relationships with major importers and wholesalers in Germany; structuring agreements to secure competitive food pricing, negotiating minimum order quantities, and establishing reliable delivery commitments
- Defining structured processes for supplier evaluation, contract negotiation, and delivery scheduling to reduce risks such as delayed deliveries, inconsistent product quality, or stock shortages; introducing clear evaluation criteria, establishing communication protocols with vendors, and setting escalation procedures for supply disruptions
Jörn Bottenhorn
Last position:
Project Management and PMO at TANKKARTEN | PAYMENT
- Close collaboration with development teams to ensure alignment with project goals
- Assessment of in-scope assets, requirements definition and support of the public tender process up to vendor selection
- Creation and maintenance of UML sequence diagrams to document system interactions
- Intensive use of Agile/Scrum methodology and the Spotify model
- Development and implementation of cutover and rehearsal plans together with the application managers
Shreyashi Sengupta
Last position:
Warehouse Assistant at Adecco GmbH
- Sorting of customer orders
- Packaging and warehouse assistance
- Working late nights and weekends (130 hours/month)
Michael Essing
Last position:
Test Manager at DB Investment Services GmbH, Deutsche Bank Konzern
Planning and control of all testing activities of a test team
Creation of test strategies for system, integration, and acceptance tests, including coordination with providers and clients
Creation of test specifications (equivalence class partitioning, boundary value analysis, use case-based tests, exploratory testing)
Creation and review of test cases
Execution and documentation of tests for functional requirements, bug retests, performance tests, and regression tests
Testing of interfaces and APIs
Responsibility for regression test activities and test automation
Execution of test sign-off processes and preparation of regular status reports
Main contact for providers and clients on testing issues
Responsibility for test environments and bug process
Moderation and leadership of test stand-ups, team, and project meetings
Review and creation of requirements documents (Business Requirements and Functional Specifications)
Maintenance and support of test tools (Java)
Planning, control, and execution of test cycles for the production of annual tax documents
Detailed planning of the dress rehearsal and production processes
Tracking of production schedule
Management and execution of acceptance tests with clients in the withholding tax project (2009–2010)
Preparation of management reports on test status for the reporting program (QI, FATCA, CRS, FKB, FSAK, Gift Tax) (2014–2018)
Tools and standards: Agile test management/Scrum, Jira, Bugzilla, HP ALM 12, Enterprise Architect 13, Confluence, MS Project, MS Visio, MS Office, Tributum, ee2, RDES, OMS, dbPrint, DMS, Oracle 12.1, SQL Developer, Altova XML, MQ Series, Java, Windows, OS/z, Unix
Leif Stolberg
Last position:
Software Architect at QualityMinds GmbH
- Lead software architect and technical team lead for a new logistics platform for load carrier trade
- Core design of software architecture using arc42 spanning frontend, backend, delivery strategies and cloud native infrastructure with Domain Driven Design and Hexagonal Architecture
- Evaluation of initial business requirements and software development roadmap
- Technical team lead in a Scrum team of 9 people
- Introduced and strengthened AI-assisted (JetBrains AI & GitHub Copilot) and collaborative code development strategies to speed up feature development
Florian Fittkau
Last position:
Solution Architect with Developer Focus at SymFinIT Solutions GmbH
- Further development of a finance layer for subscription and one-time purchase billing and accounting.
- Technologies: Kotlin, AWS (SQS, S3, ElastiCache, Aurora), React, TypeScript, Coroutines, IntelliJ IDEA, Spring (Boot, Data, WebFlux), JUnit, Testcontainers, Cucumber, Liquibase, PostgreSQL, Webservices (REST), R2DBC, OpenAPI 3, Gradle, GIT, Docker, Netty, GitHub Actions, Jira/Confluence, arc42
Carsten Leschik
Last position:
Business / Functional Analyst and Oracle Developer DWH at Comdirect
- Requirements analysis
- Source data analysis
- Development of ETL pipelines
- Data modeling of the staging, core and mart layers
- Calculation of key performance indicators (KPIs) at the mart layer
- Methods used: Agile, Data Vault 2.0
- Technologies used: Oracle 19, ODI, PL/SQL, Kafka, Python, PowerDesigner, SAP-BO, Git, Jira, Confluence
Discover over 15,000 top freelancers
Statistics of experts using ISO 20022
Aggregated from the professional profiles of matched freelancers.
Experience
27 years
Position duration
2.4 years
Positions per freelancer
16
Top business areas
Project Management, Information Technology, Business Intelligence
Top industries
Banking and Finance, Information Technology, Healthcare
Certification focus areas
Information Technology, Project Management, Product Development
Bachelor's degree or higher
93%
Master's degree or higher
64%
Doctorate
14%
Certifications per freelancer
4
Most common languages
German, English, French
Speak two or more languages
94%
Based on our profile pool as of 30 Aug 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows how many freelancers charge within that range.
Average rates of experts in Germany using ISO 20022
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 30 Aug 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
About the technology
Payment messaging
ISO 20022 is the common message standard for financial communication, especially payments, cash management, and related reporting. It replaces older formats in many bank and market workflows and gives companies richer, structured data for processing and reconciliation.
Where it is used
- SEPA credit transfers and direct debits
- Cross-border payment flows and bank connectivity
- Cash reporting and statement processing
- Clearing, settlement, and sanctions-related message handling
Companies bring in specialists when they need to move from legacy MT messages to MX formats, or when a new banking connection must follow ISO 20022 rules.
Ecosystem skills
Strong professionals know the message families, the SWIFT ecosystem, and the practical gap between business needs and schema rules. They work with XML-based message structures, mapping logic, validation, testing, and cutover planning.
They also understand how ISO 20022 fits into core banking, payment hubs, ERP integrations, and treasury workflows. That mix matters more than theory alone.
When freelancers help
Freelance expertise is often useful for migration projects, interface redesign, data mapping, and exception handling. It also helps when teams must keep old and new formats running side by side during a transition.
In Germany, this work often touches banks, fintechs, corporate treasury teams, and payment service providers that need clean coordination with internal and external stakeholders.
What good specialists do
- Analyse existing MT, XML, and payment flows
- Define mapping and validation rules
- Support testing, defect fixing, and release planning
- Document message usage for business and IT teams
- Reduce risks around data loss and rejected messages
The best specialists are precise, calm under change, and able to explain where a message breaks and why.
Quality signals
Look for professionals who can read payment schemas, trace business events through message structures, and spot issues in references, identifiers, or optional fields. They should be comfortable with SEPA, SWIFT, and operational banking processes.
A strong profile also shows experience with migration decisions, not just message syntax. That is what keeps the project usable after go-live.
Frequently asked questions
Everything clients usually want to know about ISO 20022, in one place.
ISO 20022 is used for structured financial messages in payments, cash reporting, and related bank communication. Companies rely on it when they need richer data than older formats provide, especially for reconciliation and automation.
ISO 20022 is the newer structured standard, while SWIFT MT messages are the older format many teams are moving away from. The main difference is that ISO 20022 carries more detail in a consistent XML structure, which helps with processing and reporting.
A strong ISO 20022 specialist should also know payment flows, XML schemas, message mapping, and banking integration patterns. Useful adjacent skills include SWIFT, SEPA, testing, and cutover planning.
For a small ISO 20022 migration, you still need someone who understands message mapping, validation, and the impact on downstream systems. Even limited scope projects can fail if references, data types, or optional fields are handled poorly.
Most ISO 20022 work can be done remotely because the main tasks are analysis, mapping, testing, and documentation. On-site time in Germany can still help during workshops, go-live coordination, or when many internal teams need fast alignment.
A good ISO 20022 freelancer explains message usage clearly, not just schema names. Look for evidence of mapping decisions, testing support, and the ability to trace an issue from business requirement to message field.
No, ISO 20022 also matters for corporates, payment service providers, fintechs, and treasury teams. Any organization that sends, receives, or transforms payment messages can need it.
The most common ISO 20022 issues are weak mapping, incomplete validation rules, and misunderstandings about how old and new formats relate. Projects also run into trouble when teams underestimate testing, exception handling, or downstream dependencies.
The average hourly rate of freelancers in Germany who have used ISO 20022 in their recent projects is 104 €, which corresponds to a daily rate of about 834 € based on an 8-hour working day.
Of the freelancers in Germany who have used ISO 20022 in their recent projects, 93% hold at least a Bachelor's degree, 64% hold at least a Master's degree, and 14% hold a doctorate.
On average, freelancers in Germany who have used ISO 20022 in their recent projects have 27 years of professional experience, with a single engagement typically lasting around 2.4 years.
The most common languages among freelancers in Germany who have used ISO 20022 in their recent projects are German (100%), English (89%), and French (28%).
The most common industries among freelancers in Germany who have used ISO 20022 in their recent projects are Banking and Finance (89%), Information Technology (78%), and Healthcare (39%).
The most common business areas among freelancers in Germany who have used ISO 20022 in their recent projects are Project Management (100%), Information Technology (94%), and Business Intelligence (78%).
Main locations of FRATCH Experts, who have recently used ISO 20022
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
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