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Zied FerchichiZF

Zied Ferchichi

Product Owner/Project Manager - Payments & Card Schemes

€660/day
Paris, FR
8-15 years

Average response time: 1 hour

Freelancer profile translated to English.
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About Zied

Product Owner / Banking Project Manager specialized in payments, card schemes, and Core Banking transformation, with over 8 years of experience in strategic programs around Temenos T24 and payment systems.

Expertise in ISO8583 payment flows, SEPA payments, bank card lifecycle, and critical banking environments.

I work in Agile, Waterfall, and hybrid contexts with a strong focus on delivery, cross-functional coordination, and securing production releases.

Experience in banking IT transformation programs involving Core Banking, event-driven architectures, Kafka Streams, and non-CBS integration.
  • French

    Native or bilingual

  • English

    Fluent

  • Arabic

    Native or bilingual

Can work on-site
Paris (up to 30km)

Experience

  • BforBank
    Card Schemes Product Owner
    BANKING AND INSURANCE
    June 2024 - Today (2 years)
    Paris, France
    Context:Core Banking System transformation program and modernization of the bank's card scheme architecture through an event-driven architecture.

    Business Expertise:
    • Card scheme authorization server
    • Bank card lifecycle management
    • Accounting for card scheme operations
    • Billing for card scheme operations
    • ISO8583 flows (100 / 120 / 400)

    Achievements:
    • Leading and prioritizing the product backlog
    • Gathering, analyzing, and scoping business needs
    • Defining User Stories and acceptance criteria
    • Cross-functional coordination of business, IT, RUN teams, and external partners
    • Managing card scheme evolutions in an Agile environment
    • Monitoring production releases and securing delivery
    • Participating in functional choices within a Kafka Streams event-driven architecture
    • Maximizing delivered value and continuous product improvement

    Environment:
    Temenos T24, Kafka Streams, GCP, API, Card Schemes, ISO8583, Agile Scrum, Jira, Confluence
    ISO8583 Card Schemes Product Ownership Kafka Streams Jira/Confluence
  • Bforbank
    Project Manager | Business Analyst
    BANKING AND INSURANCE
    May 2023 - June 2024 (1 year and 1 month)
    Paris, France

    Projects:

    • Year-end 2024 tasks
    • Overhaul of the bank card lifecycle management process on Temenos T24
    • Authorization of interbank exchanges to and from passbook accounts (Regulatory Project)
    • Implementation of an internal fraud detection system on Temenos T24
    • Management of payment and card scheme incidents reported by customers in production
    • Improvement of card scheme transaction processing performance

    Achievements:

    • Gathering, analyzing, and scoping business needs
    • Facilitating functional workshops with business and IT teams
    • Writing detailed functional specifications (SFD)
    • Proposing and validating functional solutions under Temenos T24
    • Leading testing phases and securing production releases
    • Estimating effort and tracking project timelines
    • Managing critical incidents and monitoring action plans
    • Coordinating Core Banking evolutions in a critical banking environment
    Card Schemes Payment Methods Regulatory Compliance Core Banking IT Project Manager
  • Bforbank
    Payment Business Analyst
    BANKING AND INSURANCE
    June 2022 - May 2023 (11 months)
    Paris, France

    Project:

    Bank transformation project – Payment Domain (SEPA Transfer – SEPA Direct Debit - Instant Payment) - Agile project mode

    My actions during the assignment:

    • Analysis and scoping of business needs related to SEPA transfers, SEPA direct debits, and instant payments.
    • Writing detailed functional specifications.
    • Cross-functional coordination of business and IT teams in an Agile context.
    • Participation in the testing strategy and test campaigns.
    Payment Methods Instant Payment SEPA Business Analysis Payments

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Education

  • Industrial Engineering
    EUR-ACE
    Génie Industriel
  • Physics-Chemistry
    National Engineering School of Tunis - ENIT
    2018
    Physique- Chimie

Certifications

  • PMP - Project Management Professional
    PMI
    2024
    Leadership IT Project Risk Management Leadership and Team Management Project Scoping Stakeholder Management Project Management Planning, Budgeting, and Forecasting Agile Scrum Agile Project Management Hybrid
  • PSPO - Professional Scrum Product Owner
    Scrum.org
    2022
    Backlog Refinement Agile Method Sprint Planning Scrum Sprint Review Product Vision Professional Scrum Product Owner Backlog Management

Skill set

Categories