Freelancer profile translated to English.
Back to original languageAbout Lionel
Executive and senior consultant, expert in payments, payment systems, and digital finance, I support general management, financial institutions, and fintechs in defining and executing payment transformation strategies. I work on complex, high-stakes programs, from designing architectures and offerings to regulatory compliance, combining technological expertise, mastery of regulatory frameworks, and measurable value creation.
French
Native or bilingual
English
Fluent
Can work on-site
Biarritz (up to 50km), Bordeaux (up to 50km), Paris (up to 50km), Toulouse (up to 50km)
Experience
- REDCAT CONSULTINGFounder & CEOCONSULTING AND AUDITSJanuary 2017 - Today (9 years and 7 months)Biarritz, FranceIndependent consulting firm specializing in payments, payment systems, regulatory compliance, and financial innovation.RedCat advises general management, fintechs, and financial institutions on their digitalization, payment modernization, and regulatory compliance projects.Main missions:- Payment Program & Major Project Management
- Management of PSEE programs: Public transport group (third-party payment collection, regulatory framework, payment system architecture).
- "Sustainable Mobility Allowances" project management for two major transport & energy groups.
- Product Management & Prepaid Offerings- Digital Gift Card Product Manager for a European prepaid leader.
- Launch of an open-loop card with complete redesign of card policy, KYC, and risk management.
- Payment Cards, Mobility & Fintech- Design of fuel and mobility card offerings for fleets (Fintech).
- Creation of a B2B payment institution with card and expense management.
- Customer Journey, KYC & Compliance- Deployment of e-KYC / AML5 solutions for a major bank, neobanks & PSEE.
- Structuring of operational procedures in a core banking & billing context.
- Multiservice Payments & Integrated Offerings- Launch of multiservice open-loop payment platforms (cards, wallets, merchant services).
- Design of integrated financial offerings: account aggregation, cards, credit, insurance.
- Fraud, Disputes & Open Banking- Deployment of dispute & chargeback management solutions for a banking group.
- Steering of Open Banking RFP/RFI & PSD2/SCA compliance for a fintech.
Examples of achievements:- BPCE / Natixis – AML5 & PSD2 compliance for the digital KYC process.
- C2A / Mooncard / Piana – Design/deployment of card solution for mobility and business expenses.
- C2A CARD (Compagnie de l'Arc Atlantique)Chief Executive OfficerBANKING AND INSURANCEJanuary 2011 - January 2017 (6 years)64210 Bidart, FranceCreation & Development of a Payment Institution – B2B Card Business
- Creation of a payment institution from scratch and obtaining the license.
- Structuring of B2B card activities in France and Europe (fuel, transport, expense management).
- Deployment of a complete card services platform (KYC/KYB, authorizations, fraud, disputes, settlement).
- Launch of "white label" offerings, including a B2C card offering for a major issuer.
- BANQUE DESJARDINSDirector of Fraud Prevention & AuthorizationsBANKING AND INSURANCEJanuary 2009 - January 2011 (2 years)Montreal, QC, Canada
- Leading the card fraud prevention strategy (debit & credit).
- Significant improvement in risk control and operational performance.
- Deployment and optimization of anti-fraud rules and scoring systems.
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Education
- MBA & Master 2IAE Paris / Institut de Haute Finance2017MBA & Master 2
- Certificate in Business ManagementHEC Montréal2007Certificat en gestion d'entreprise
Certifications
- Financial Investment AdvisorAMF2025
- Blockchain Consulting (RS6410 - France compétences)Alyra2025