SEPA Experts in Frankfurt
in minutes from over 15,000 CVs with the power of AIHire experts who handle SEPA Credit Transfer, SEPA Direct Debit, ISO 20022 payment flows, and bank integration work for finance teams. Get fast, precise matching with vetted, available freelancers.
Meet FRATCH Experts in Frankfurt, who have recently used SEPA
Uday Vanaparthy
Last position:
Full Stack JAVA Developer & DevOps Engineer at Deutsche Börse (DBAG)
Project: SCS (Settlement / Clearing Services)
Settlement platform serving multiple trading and clearing venues — counterparty risk safeguarding, settlement volume reduction, central risk management, and post-trade anonymity.
Technologies: Java 17, Spring Boot 3, Microservices, Spring Data JPA, SonarQube, Fortify (SCST), Mockito, Jenkins, OpenShift, Maven, Podman, GitHub, JIRA, Liquibase, Swagger, AMQP, Apache Camel, Terraform, PostgreSQL, Instana, Graylog.
- Identified and remediated CVEs in third-party libraries using SCA tooling, strengthening the security posture of production components.
- Maintained 90% code coverage with SonarQube, improving code quality and reducing production defects.
- Built and customized Helm charts and values.yaml configurations across 3 environments (ACT, SIMU, PROD), increasing deployment flexibility and consistency.
- Enabled mTLS for database authentication and message broker connections, enforcing encrypted, certificate-validated communication.
- Designed and deployed microservices with asynchronous, REST-based communication between components.
- Automated build and continuous integration pipelines using Maven and Jenkins.
- Used Podman and OpenShift for container orchestration and Liquibase for database version control.
- Optimized Java code and implemented EHCache-based caching, improving application performance.
- Managed application images, JAR versions, and dependencies via DBAG Artifactory Repository Manager.
Jan Petrasch
Last position:
Operational Readiness / Migration Lead at Worldline
Migration of SEPA direct debits, credit transfers & card clearing to Worldline's internal platform as part of the outsourcing contract
Definition of the MIGR strategy
Mobilization of the community (300+ experts at client & Worldline)
Creation of the MIGR runbook (100+ workshops)
Close collaboration with upstream project streams: BUILD & TEST, as well as with the operating units
Set up of the governance framework, capacity management & reporting
100% of SEPA DD, CT & CC transaction traffic migrated (7 months)
~80 migrations carried out with a success rate of 70% ("first-time right")
Set up technical & manual production monitoring
Established a "fast-track" incident management process in the MIGR & hypercare phases
Set up 20+ exception handling processes
Conducted trainings
Implemented SLAs & billing
Waleri Moretz
Last position:
Project Manager at WAMOCON Academy
- Project planning and resource planning
- Requirements definition and technology selection
- Data migration and risk management
- Monitoring up to go-live
- Tools: Office365, Jira XRAY, Strato, Onboarding App
Jakub Szepietowski
Last position:
Oracle Consultant at Airline Sector
- Microsoft Azure: design, sizing, and capacity analysis including PoC
- Microsoft Azure: final implementation for migration from on-prem RAC to single instance Data Guard
- Performance tuning and troubleshooting for crew management systems (pilots and briefings)
- Design and implementation of a disaster recovery-aware system based on RAC Extended Cluster and Data Guard
- OEM: Oracle Cloud Control maintenance, installation and upgrades (12.1.0.5 > 13.3 > 13.5)
- OEM: creating an agent golden image with new RU and security fixes for a full-scale environment
- OEM agent upgrade
- OEM: developing custom metric extensions and reports
- OEM: full monitoring setup with template collection and monitoring templates and incident rule configuration
- Upgrades: GI from 11.2.0.4 to 12.1.0.2, to 18.4, to 19.6+
- Upgrades: databases from 11.2.0.2 to 12.1.0.2, to 19.18+
- Redesign and license optimization based on Oracle SE on ODA and DBVisit
- Design of a virtualized platform based on OLVM and license optimization using hard partitioning
- Migration of databases from bare metal to OLVM
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
Sven Koebnick
Last position:
Generalist System Administrator at Enbw
- Automation of the (Linux-based) web landscape maintenance.
- Use of SALT, SuseManager, Wildfly, scripting and Kubernetes.
- DevOps tasks and use of Jira.
- Management of "special" applications as well as creating and helping with concepts.
- Focus on security, maintainability, integration and tooling/integration.
Leonid Ravin
Last position:
IT Business Analyst / Requirements Engineer at S-Payment GmbH / Sparkasse (DSV-Gruppe)
- Business analysis of payments for the introduction of Wero EPI in Germany.
- Analysis and optimization of merchant processes in the context of acquiring and issuing.
- Analysis of interfaces for instant payments.
- Analysis of SCT-Inst processes, settlement mechanisms and reporting processes.
- Identification and clarification of gaps in merchant processes.
- Analysis and documentation of clearing and settlement processes.
- OSPlus process analysis and documentation.
- Coordination and alignment with scheme management as well as various payment service providers and financial institutions on merchant processes.
- Preparation and follow-up as well as active participation in EPI meetings on technical coordination and regulatory topics in payments, including content familiarization and prioritization.
- Preparation and documentation of project and steering committees in the EPI environment.
- Creation of status reports for the subproject.
- Maintenance and structuring of Confluence pages for project documentation.
- Coordination and alignment with the issuing teams on individual customer processes as well as aligning with bank processes and acquirer processes in the Wero environment.
- Communication with payment service providers regarding merchant and bank processes in the Wero environment.
- Organizational support for project management in special tasks in the EPI and Wero environment.
- Digital filing and documentation in Confluence and Microsoft Teams.
- Planning, implementation and tracking of work packages and steps.
- Quality assurance and project control.
- Consulting on IT strategy, IT architecture and interface management in the EPI and Wero environment.
- Technical environment: Jira, Confluence, XML, JSON, MS Office (Word, Excel, Teams, PowerPoint), SharePoint, Draw.io, Innovator, 3rd-level support, ITIL, creation and updating of software documentation, interface management, OSPlus, Scrum, KYC, payment, European Payments Initiative (EPI), Wero, Microsoft Loop, Instant Payments, SCT-Inst.
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
Simone Kopp
Last position:
Consultant at EPSM (European Association of Payment Service Providers for Merchants)
Funda Toprakci
Last position:
Senior Business Consultant at Bethmann Bank AG
Ad-hoc support in settlement for derivatives
Settlement of ETD (futures & options), OTC (DTGs), give-up/take-up etc.
Position and account reconciliation
Coordination with trading, Eurex, UBS AG and asset management
New setup of classes for options and series
Support of the Securities & Operations unit for EMIR REFIT
Advisory for project management of EMIR REFIT and support for implementation
Communication and coordination with the software vendor to clarify business issues
Main responsibility for creating the test concept for go-live on 29.04.2024 (Phase I) and bug fixes/cleanup actions (Phase II)
Active support during go-live: creation of transaction, valuation and collateral reports; migration of the position report; defect management and bug fixing
Inventory of cleanup Phase II
Business test case creation for EMIR REFIT functionalities and coordination with IT teams and the business unit
Creation and updating of training documents and work instructions for OBS modules WPS and GDH
Niklas Simon
Last position:
Trainee Corporate Banking at Commerzbank AG
Discover over 15,000 top freelancers
Statistics of experts using SEPA
Aggregated from the professional profiles of matched freelancers.
Experience
21 years
Position duration
2.1 years
Positions per freelancer
16
Top business areas
Information Technology, Operations, Project Management
Top industries
Banking and Finance, Information Technology, Telecommunication
Certification focus areas
Project Management, Information Technology, Finance
Bachelor's degree or higher
89%
Master's degree or higher
67%
Doctorate
11%
Certifications per freelancer
4
Most common languages
German, English, Spanish
Speak two or more languages
100%
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 Frankfurt 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 Frankfurt using SEPA
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
SEPA basics
SEPA stands for Single Euro Payments Area. It sets the common rules for euro payments across participating countries and is used for credit transfers and direct debits. Companies bring in specialists when they need clean payment flows, bank-ready files, and fewer manual exceptions.
Typical work
- SEPA Credit Transfer setup
- SEPA Direct Debit processes
- ISO 20022 pain.001 and pain.008 handling
- Mandate logic and payment references
- Bank connectivity and validation checks
Ecosystem
Strong professionals know the message formats, bank cut-off rules, and validation steps around SEPA. They often work with ERP systems, treasury tools, payment gateways, and banking APIs. Good delivery depends on both functional knowledge and careful testing with real payment cases.
When to hire
Companies usually need freelance support during new payment rollouts, bank migrations, ERP changes, or compliance fixes. SEPA work often touches finance, operations, and IT at the same time. In Frankfurt, this is especially relevant for firms working with banks, fintechs, and cross-border payment processes.
What strong specialists do
A strong SEPA specialist spots file issues early, understands mandate handling, and can explain why a payment fails. They document mappings clearly, coordinate with banks and internal teams, and reduce avoidable rejections. They also know how to keep payment processing stable when business rules change.
Search terms and fit
People may search for SEPA, Single Euro Payments Area, SEPA Credit Transfer, or SEPA Direct Debit. The right expert should speak both business and technical language, because payment work often sits between finance rules and system integration. Remote collaboration works well for analysis and file testing, while on-site sessions can help during rollout or incident work in Frankfurt.
Frequently asked questions
Everything clients usually want to know about SEPA, in one place.
SEPA covers standardized euro payments across participating countries, mainly credit transfers and direct debits. In practice, that means payment files, mandate handling, bank validation, and the rules that make cross-border euro payments behave like domestic ones.
A SEPA project is more specific than a general transfer project because it follows a shared euro-payment framework and file structure. That usually brings in ISO 20022 formats, bank-specific checks, and mandate rules for direct debits.
A strong SEPA professional usually also knows ISO 20022, ERP or treasury systems, payment operations, and banking integration. Clear process documentation matters too, because finance, IT, and operations often need the same payment flow explained in different ways.
Not every task needs deep architecture work, but SEPA changes can still be fragile. If the work touches live payment files, bank connections, or mandate data, bring in someone who has already handled validation and rollout issues.
Yes, most SEPA work can be done remotely because it centers on file logic, mapping, testing, and coordination. On-site time in Frankfurt helps when teams need fast workshops with finance, IT, and banking contacts, especially during cutover or incident recovery.
When hiring for SEPA, compare the candidate’s experience with payment formats, bank integration, and the difference between SEPA Credit Transfer and SEPA Direct Debit. If your project is broader, also check whether they can work with adjacent payment rails or only with euro-specific flows.
Look for someone who can explain validation rules, show clean mappings, and describe how they handled failed files or rejected payments. A good SEPA specialist writes clear documentation, tests with realistic cases, and works well with both finance teams and technical teams.
The most common issues in SEPA work are bad field mapping, mandate mistakes, inconsistent references, and incomplete bank testing. Problems also appear when teams treat the payment process as only a technical task and ignore finance process ownership.
The average hourly rate of freelancers in Frankfurt, Germany who have used SEPA in their recent projects is 114 €, which corresponds to a daily rate of about 913 € based on an 8-hour working day.
Of the freelancers in Frankfurt, Germany who have used SEPA in their recent projects, 89% hold at least a Bachelor's degree, 67% hold at least a Master's degree, and 11% hold a doctorate.
On average, freelancers in Frankfurt, Germany who have used SEPA in their recent projects have 21 years of professional experience, with a single engagement typically lasting around 2.1 years.
The most common languages among freelancers in Frankfurt, Germany who have used SEPA in their recent projects are German (100%), English (100%), and Spanish (27%).
The most common industries among freelancers in Frankfurt, Germany who have used SEPA in their recent projects are Banking and Finance (100%), Information Technology (82%), and Telecommunication (55%).
The most common business areas among freelancers in Frankfurt, Germany who have used SEPA in their recent projects are Information Technology (100%), Operations (100%), and Project Management (91%).
Main locations of FRATCH Experts, who have recently used SEPA
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.
Countries:
Berlin Hamburg Munich Cologne 
Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg Request a free demo
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Philipp Thomaschewski
FRATCH CEO
