Freelancer profile translated to English.
Back to original languageAbout Maha
With over 9 years of experience as a Cross-functional Project Manager, I operate within complex ecosystems where technology meets strict regulations. My background, split between Banking and Insurance, has allowed me to develop sharp expertise in managing high-stakes products.
What I master:
•Payments & Open Banking: Deployment of European standards (SEPA), implementation of strong authentication (3DSv2/MFA), and integration of TPP and Store API.
•Compliance & Risk Management: Coordination between technical, business, and compliance teams to transform regulatory constraints into product opportunities.
My vision: The perfect product is one that balances a fluid user experience with absolute risk control.
Passionate about optimizing fraud prevention processes (KYC/AML), I am exploring the use of AI to reduce false positives and refine decision-making.
Today, I wish to leverage this dual expertise for ambitious projects in Fintech or Insurtech, with a strong focus on Data or Artificial Intelligence.
Let's discuss your compliance and innovation challenges!
French
Native or bilingual
English
Fluent
Arabic
Native or bilingual
Can work on-site
Paris (up to 50km)
Experience
- ELCIMAI – Pôle ÉditeurIT Project Manager / Project DirectorBANKING AND INSURANCEDecember 2023 - March 2026 (2 years and 3 months)Paris, FranceMulti-client environment: Banque Delubac, Banque Pouyanne, Monte dei Paschi, Banque EdelDSP2 & Open Banking ExperienceDuring my assignments at Delubac and Monte Paschi, I was involved in several projects related to DSP2 compliance and Open Banking:- Strong multi-factor authentication (MFA) for accessing WeBank applications (Portal and Mobile) and control of signatures and validation of sensitive operations (transfers, beneficiary additions…)- Implementation of TPP APIs for opening up to third-party payment providers- Strong authentication 3DSv2 project for online credit card payment transactions- Regulatory compliance for Instant PaymentRegulatory framework and impact study for the implementation of instant payment (SEPA Inst) on the WeBank portal and mobile applicationDesign of user journeys covering the three scopes: instant payment sender, instant payment receiver, and migration from classic SEPA transfer to Instant PaymentCompliance of TPP APIsCoordination with CIC as lead, and with external stakeholders Payce, ElcimaiEnd-to-end functional and technical acceptance monitoring, in conjunction with all stakeholders- Leading cross-functional projects in a multi-client environment, involving several IT entities and external partners- Scoping and launching complex regulatory projects (DSP2, TPP APIs, SEPA, Instant Payment)- Cross-functional governance: facilitating steering committees, decision-making reporting, managing inter-team dependencies- Execution leadership: planning, multi-team coordination (Business Analysis, Development, publishers, service providers), cost/schedule/quality monitoring- Milestone security: organizing functional acceptance testing, leading production deployments, change management supportLeading multi-client IT projects in RUN & Build environment
- BANQUE DELUBAC & CIEBusiness Analyst / Product OwnerBANKING AND INSURANCENovember 2021 - November 2023 (2 years)Paris, FranceStrong authentication (SCA/MFA) –Impact study and user journey design for DSP2 complianceEvaluation of the InWebo solution, then support for repositioning to the Elcimai internal solution, chosen for security and data sovereignty reasonsAdaptation of WeBank Mobile and WEB journeys (gathering needs from different profiles: RJ/BJ, ADB, and individuals + RSSI validationMapping of customer journeys / flows to ensure alignment between business and technical teamsFacilitating demonstrations and end-to-end acceptance monitoring on DSP2 dedicated environments, bank acceptance, and pre-productionMonitoring penetration tests conducted by Deloitte and managing recommendationsCoordination of external stakeholders: Monext, Elcimai, DeloitteChange management leadership: facilitating awareness meetings and developing support materials for usersOpen Banking & TPP API –Implementation of the API store in compliance with regulatory requirements (design and business content compliance), opening to Third Party Payment Providers (TPP) three months before productionFunctional acceptance monitoring with Bridge and technical monitoring of TPP APIsSupport for acquiring eIDAS QWAC and QSEAL certificatesImplementation of the Konsentus solution for monitoring and supervision of TPP APIs in production3DS V2 – Migration and DSP2 compliance -Analysis of gaps between 3DS v1 and v2 and impact study for DSP2 compliance requirementsDesign of user journeys adapted to the new 3DS V2 protocol requirements with the Elcimai solutionCoordination of external stakeholders: Monext, Elcimai, DeloitteChange management leadership: facilitating awareness meetings and developing support materials for users
- NATIXIS ASSURANCESAMOA / Acceptance ManagerBANKING AND INSURANCEFebruary 2020 - June 2021 (1 year and 4 months)Paris, FrancePROFESSIONAL Provident AND PROFESSIONAL PLUS Provident PROJECT: Implementation of a new Professional Provident Insurance Product for the two networks, Banque Populaire and Caisse d’épargne.Objectives:- End-to-end project management and monitoring (from the creation of the "Product Backlog" and the PO/ IT and Business "Roadmap" to the commissioning of the new PRO Madelin and Non-Madelin Products).- Implementation and monitoring of developments on the WEBASSUR backup application.Scopes- Writing of SFDs for HMIs (Webassur, Équinoxe using Agile (SCRUM) and classic methods for the core system)- EDITIQUE (Sharepoint and Webassur Update)- Monitoring and validation of acceptance testing: functional and non-regression testing of user journeys (simulator, Équinoxe, core system, and Webassur)IT Team: 10 people (1 PO, 2 BA, 2 SCRUM MASTERS, 1 TESTER, Developers based in PORTUGAL)
Recommendations
Be the first to recommend Maha
Help this freelancer shine by sharing your experience working together.
These freelancer profiles also match your criteria
Agatha Frydrych
Backend Java Software Engineer
4.7
(3)
2
Baptiste Duhen
Fullstack developer
4.6
(4)
5
Amed Hamou
Senior Lead Developer
4
(2)
7
Audrey Champion
Web developer
4.3
(3)
4
Education
- Professional Scrum Product Owner - Fundamentals of AI2026Product Owner Scrum professionnel - Principes fondamentaux de l'IA
- Leading and managing an innovative project with agile methods2026Conduire et piloter un projet innovant avec des méthodes agiles