PSD2 Experts in Germany

• Hands-on development of AI-native product prototypes with specialized AI agents for research, requirements, business logic, UX/flow design, test case generation and quality assurance.
• Structured use and orchestration of AI agents through clearly defined roles, inputs/outputs and handover points; breaking down complex product tasks into verifiable work packages and iterative prototyping cycles.
• Establishment of human-in-the-loop quality gates to validate AI-generated results for functional correctness, consistency, completeness and feasibility; targeted rework cycles in case of deviations.
• Development of a regulatory GenAI/rules prototype for CRD VI with a structured decision flow, web UI, rule-based validation and automated test cases; iteration of the business logic through to a pilot-ready POC.
• Design of an AI-to-Action banking prototype: AI intent → consent → bank/product logic → conversion including admin console; translating the product idea into MVP scope, role model, user flows and clickable prototypes.

• Objective/Motivation: PAYONE urgently needs a 360° view of its customers. So far, PAYONE has had no company-wide master data strategy. It is not possible to identify customers across all relevant systems.

The organization is to be enabled to identify customers across all relevant systems. Establishing the basis for master data management at PAYONE

• Challenge: Due to company acquisitions, the system landscape is very heterogeneous. The company is highly dynamic and burdened with many system harmonization and integration projects, meaning that resource bottlenecks and changes in project priorities repeatedly create an almost impossible task.

Due to BaFin findings, the project has a central task and role. The first focus is the migration of all customers, including their AML/KYC data, from the master data backend systems to Salesforce. This is intended to resolve one of the largest findings and establish the corresponding ODD/EDD processes.

In addition, customer data must be harmonized in Salesforce. Previous migrations resulted in duplicate customer records in some cases. The aim is therefore to maintain only one customer in Salesforce and, using the relevant information from the backend systems, also be able to identify which products the customer uses and in which processing systems the customer obtains PAYONE services.

Project: ONE Customer

Budget: €1.5 million

Team: 10/30 employees (full-time/part-time); 4 vendors/providers

Integration: 8 (subsystems/interfaces)

Applications: Salesforce; SAP S4/HANA; in-house developments

Tools: MS Office; Jira, Confluence, SharePoint

Methods: Hands-on; Agile (SAFe); Prince2

• Create a tracking concept for Google Tag Manager and Google Analytics including data layer, events, triggers, and reporting
• Manage the project team (developers, designers, performance specialists)
• Serve as communication interface between stakeholders and digital departments

• Lead Product Owner role for the BFSG pilot journey “Search and Book” across web and app, focusing on digital accessibility, UX, conversion, and regulatory implementation.
• Created and prioritized the product backlog; derived user stories and acceptance criteria from legal standards (BFSG, WCAG 2.1)
• Developed a product vision that combines digital accessibility, user-centered UX, and conversion optimization for the booking journey
• Cross-stream release management and quality assurance across the entire web and app area, including go/no-go decisions, rollout, and user acceptance tests
• Coordinated and prioritized with Legal, Compliance, external BFSG consultants, UX, Development, Marketing, and Management
• Conducted user research as well as usability and accessibility tests (including screen readers and keyboard navigation) and prototyping with UX/UI
• Defined KPIs to measure accessibility, conversion, and user guidance
• BFSG pilot journey “Search and Book” successfully delivered: first accessible features rolled out and the foundation for a long-term BFSG-compliant booking journey established
• Established sustainable process integration through close collaboration with consulting partners and internal teams

• Definition of features
• Authorization Mastercard and Visa
• Usage of ISO protocols and norms
• Mastercard Fast Funds
• Feature analysis Girocard 4.0
• Scoping EPI

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.

• Spearheaded the transformation of Telefonica Germany’s cloud journey into a self-service, automated marketplace by leading process analysis and design efforts; facilitated UX/UI collaboration and served as Scrum Master for cross-functional agile teams to ensure timely and quality delivery
• Designed, launched, and managed an enterprise-wide Learning & Development program focused on cloud-native skills, upskilling over 1,500 employees; undertook full vendor management including sourcing, tendering, contract negotiation, and ongoing partnership to ensure curriculum alignment with evolving organizational needs
• Implemented cloud migration processes aligned with corporate compliance and process governance; improved process transparency and audit readiness while reducing operational risks
• Architected and led a cross-divisional communication strategy to enhance organizational engagement; developed multiple channels including newsletters and intranet content, acting as single point of contact for all departmental communications to ensure consistency and alignment

• created a comprehensive business plan for investor meetings
• developed strategy, legal frameworks, partner selection processes, and planned operational processes and risks using AI tools
• mediated between the owner and the team

• 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

• Leading product strategy and platform development for B2B sustainability solutions.

• Acted as a trusted advisor to leadership, driving strategic initiatives, structuring meetings, and ensuring follow-through on key priorities.
• Led the launch of a corporate travel platform, aligning cross-functional teams and improving operational efficiency.
• Conducted market and competitive analyses to identify growth opportunities and inform business and investment decisions.
• Supported M&A and venture evaluations, contributing to global expansion and portfolio strategy.
• Developed strategy briefs, business cases, and executive presentations to enable data-driven decision-making.
• Managed quarterly and annual planning processes, tracked KPIs, and ensured alignment with organizational goals.
• Planned and executed brand initiatives, including organizing Techno at Bharat Tex, enhancing industry visibility and partnerships.
• Strengthened internal communication cadence and governance frameworks, improving execution efficiency by 20%.
• Drove process improvements to enhance execution discipline and strategic alignment.
• Enhanced governance and reporting mechanisms to increase accountability, milestone tracking, and performance visibility.
• Collaborated closely with finance, product, and strategy teams to ensure timely delivery of cross-functional priorities.
• Fostered knowledge-sharing and continuous-improvement practices to strengthen organizational collaboration and execution.

• 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

• Integrating system architecture, business analysis, requirements engineering, and process consulting
• Managing business unit needs toward IT and implementation
• Capturing requirements in JIRA and breaking them down into epics
• Overseeing internal projects and programs, including stakeholder management and reporting
• Handling requirements from traditional IT developments to IoT integrations and SAP subsystem replacements
• Implementing current legal regulations (MAKO, EnWG, EEG, GWG, StromGVV, GasGVV, StromNEV, GasNEV)
• Applying agile methods (Agile, SAFe, ITIL, Scrum, Kanban, DDD, IaC, CI/CD, DevOps, automation, ETL, OOA, OOD, MDA, BPMN, BPM, UML, marketing automation, data science, ML, AI, GenAI, LLMs)
• Using tools like JIRA, SharePoint, MS Office, MS Project, MS Dyn CRM, VMware ESX/ESXi, BSI IT-Grundschutz, BSI C5, NIST, MS Azure, Typo3, mail automation, Docker, Kubernetes, OpenStack, OpenShift, Terraform, Ansible, SQL, REST, SOAP, Git, GitLab, LoRaWAN, SAP IS-U, S/4HANA, USU, KUGU, AbSys, sensors, MQTT

• Linux server migrations: planning and execution of the migration with SLES Linux deployment of VMs in VMware 8.0
• Guiding colleagues on configuring Linux VMs with vSphere Auto Deploy
• Application operations: ensuring smooth operation of applications on migrated servers
• Operations manuals: revising existing manuals, updating and creating new ones as needed
• Reviewing service offers: adjusting and optimizing service offerings of external providers
• Logistics software, Red Hat Linux, Ansible, Confluence / Jira