Freelancer profile translated to English.
Back to original languageAbout Charly
Expert in payments and payment flow optimization for e-commerce, retail, and fintech players.
For over 5 years, I have been assisting companies in structuring, optimizing, and scaling their payment solutions across Europe. My expertise covers acquiring, multi-acquirer orchestration, acceptance rate optimization, Open Banking solutions, Apple Pay / Google Pay, as well as international and cross-border payment strategies.
I act as a strategic consultant or Fractional Chief Payments Officer to help merchants turn payments into a real growth lever.
My main missions:
- Audit and optimization of existing payment flows
- Improvement of acceptance rates and reduction of declines
- Optimization of checkout and payment conversion
- Implementation of multi-acquirer and smart routing strategies
- Selection and negotiation of PSPs/acquirers
- Reduction of processing costs
- Deployment of APMs and local solutions according to target markets
- Support for low to high-risk e-commerce
I have strong experience in the e-commerce, hospitality, subscription billing, marketplaces, digital goods, and high-risk industries.
My approach is performance and business-oriented: optimized payments directly impact a merchant's revenue, conversion, and profitability.
French
Native or bilingual
English
Fluent
Can work on-site
Lille (up to 50km), Bruxelles (up to 50km), Paris (up to 50km)
Experience
- SysPayHead of Business DevelopmentBANKING AND INSURANCESeptember 2024 - Today (1 year and 9 months)MaltaI lead the commercial development of E-commerce and Banking activities, with a clear focus:designing stable, compliant and scalable payment models, tailored to complex or regulated environments.I operate at the intersection of business and banking partners to anticipate blockers early and build payment setups that stand the test of time.What I do in practice :- Business development and support for merchants, platforms and digital players (low & high risk)- Structuring multi-acquirer / multi-currency payment architectures- Deploying acquiring solutions (Visa / Mastercard), open banking and alternative payment methods- Building and managing partnerships with banks, acquirers and fintechs- Optimizing onboarding processes, transaction flows and risk managementI don’t just close deals.I set a clear framework to enable sustainable growth, without surprises.
- PaynovateBusiness ManagerBANKING AND INSURANCEJune 2022 - August 2024 (2 years and 2 months)Brussels, BelgiumPayments: In-depth expertise in card processing, managing payment flows, and implementing tailored payment solutions to meet our clients' needs.High-Risk Transactions: Specialization in complex transaction setups and managing transactions for high-risk sectors, ensuring secure and compliant solutions for these environments.Banking as a Service (BaaS): Active participation in creating integrated digital banking services, offering a comprehensive range of flexible and scalable banking solutions for our fintech partners.Open Banking: Contribution to developing innovative solutions that enhance interoperability and simplify access to banking data, thereby improving user experience and partner competitiveness.Key Results:💼 Revenue Growth: Achieved a 150% increase in revenue from new clients in the payments and fintech sectors over two years.📈 New Client Acquisition: Developed a portfolio of 100+ new strategic clients in high-risk sectors, contributing to the diversification of the company's revenue streams.🛠 Technological Partnerships: Integrated 10 new technology partner solutions to support the Banking as a Service and Open Banking strategy.My mission was to drive the company's continuous growth through a dynamic commercial strategy, developing strong partnerships with financial institutions and fintech companies. I also contributed to establishing a client-focused approach centered on innovation while maximizing operational efficiency.
- Aion Bank (UniCredit Group)Sales Team Lead managerBANKING AND INSURANCEApril 2021 - July 2022 (1 year and 3 months)Avenue De La Toison d'Or 26, Marche, LX, BelgiumManaged and supported the growth of retail banking products and customer acquisition strategies across multiple financial services verticals, while leading commercial development initiatives and client relationship management.Key areas of expertise included:IBAN accounts & daily banking solutionsCross-border transactions and international paymentsETF investment products and wealth-related solutionsPersonal lending and consumer credit productsCustomer onboarding and banking product advisoryIn parallel, contributed to the development of Banking-as-a-Service (BaaS) partnerships and embedded finance opportunities by supporting external partners and fintech integrations within the banking ecosystem.Worked closely with internal sales, compliance, operations and product teams to drive commercial performance, customer experience and scalable banking solutions.
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Education
- Banking Intermediation and Investment Introduction to asset management Intermediationin creditIntermédiation Bancaire et Investissement Introduction to asset management Intermediation
- Foreign TradeEcole Pratique Hautes Etudes Commerciales (EPHEC)2020Commerce Exterieur