Consultancy & Advisory: 06/2010 - 11/2011
# F-Call AG / SERRVISCOPE AG  - Bank Call & Service Center (Volks- & Raiffeisenbanken, Direktbanken)
# PPRO Financial Ltd. (E-Money Institution)
# NIBC Bank Germany
# E-Plus Mobilfunk

Interim-Management: 02/2006 - 05/2010 & 12/2011 - 05/2020

• Countries: SEPA & EMEA
• Specialized in Cards, Remittance, Digital & Instant Payments: SEPA, PSD2, Credit Card, Debit Card, Prepaid Card, Virtual Card, Mobile & Digital Wallet, E-Money, CDD-KYC-KYM, Fraud & Risk, Money Transfer, Remittance, Social Remittance, Airtime Remittance, P2P, Peer-to-Peer, Payment processes, Digital Business, Digital Merchant, Digital Goods, Prepaid, Loyalty, Product Management, Agile Scrum, Kanban, Customer Support, Key Account Management & Business Development

Beratung und Konzeption für Banken im Bereich Umsetzung PSD2, Instant Payments, KYC, moderner Zahlungsverkehr, Chatbots und Anpassung Customer Support

Consultancy & Advisory 12/2011 - 02/2012: [company by request]

Interim as Managing Director 02/2012-06/2017: [companies by request]

Interim as Member Management Board 07/2013-12/2016: [company by request]

Reporting to Supervisory Board

• Countries: Germany, United Kingdom
• A team of 16 people (4 in-house Agile Scrum developer & 1 in-house Scrum Master)
• Operating our own developed digital prepaid & pay-as-you-go platform Isoptera for digital goods (MNO, MVNO, Airtime Remittance, eGift, Prepaid cards) via direct loading and voucher inclusive digital payments (MasterPass, MasterCard, Visa, PayPal, sofortüberweisung, giropay)
• Operating our own developed KYC, fraud, digital identity, scoring, risk & velocity check system. Supporting decisions in real-time (instant) for mobile payments to authorize transactions (i.e. PayPal without registration)
• Operating our own B2C consumer brand “[name by request]” via Internet, mobile web & apps (iOS, Android, amazon app)
• Operating MVNO brands in B2B White-Label partnerships for airtime top-up (i.e. easyTel by EP ElectronicPartner and mobil09 by Borussia Dortmund)
• Setting and handling operations for customer support B2C & B2B
• Acquirer for mpass (Mobile Payment O2 & Vodafone) until May 2014
• Company was sold in May 2017
• P&L responsibility

• Countries: EMEA
• A team of 14 people
• Leading following EMEA projects from scratch to market launch: Prepaid Twin MasterCard for money transfer and remittances in real-time, issuing cards, processing cards, clearing & settlement, card production, high usability, convenience, mobile & digital wallet, mobile & digital stored-value-account, P2P, peer-to-peer domestic and cross-border, mobile & digital payments inclusive merchant handling offline/online, cash-in distribution networks for VoiceCash Prepaid MasterCard, KYC, KYM, risk & fraud, building mobile payments Bank and domestic funding sources
• Launched October 2009 in Germany the Prepaid Twin MasterCard in partnership with the MNVO blau.de (part of KPN International and the MNO E-Plus).
• All contracts are executed and operated from my team in SEPA and mainly supported in Middle East.
• P&L responsibility

• Countries: Germany & Norway
• Our own merchant for digital prepaid airtime top-up supporting our own E-Money brand (i.e. ebay & PayPal)
• B2B White-Label contracts inclusive E-Money with i.e. debitel, Mobilcom, The Phone House, Ay Yildiz
• Completely managed and operated in Germany
• P&L responsibility

Associated member Executive Management Team

• Country: Germany & Norway
• A team of 12 people in Germany (Sales, Marketing, Products, CDD-KYC-KYM, Technology, Integration, Marketing) and external banking customer service team (24-365)
• E-Money operations, P2P, Peer-to-Peer, merchant payments, cascading payment structure
• Supporting in Middle East (i.e. contract signed and set live with NBAD National Bank of Abu Dhabi for Mobile Remittance to the first corridor Philippines)
• B2B Partnership contract with Sony Music and hundreds of merchants at our E-Money platform
• Whole operations for Germany is managed by my team
• P&L responsibility