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About Ousmane

Senior Consultant specializing in secure payments and card processing, with over 15 years of international experience (Europe, Maghreb, Africa). Expert in Visa/Mastercard compliance, fraud management, regulatory project management, and digital banking transformation. Former trainer (18 countries), recognized for leadership, adaptability, and results-orientation.
  • French

    Native or bilingual

  • English

    Fluent

Can work on-site
Strasbourg (up to 50km), Paris (up to 50km)

Experience

  • TRANSACTIS
    Senior Consultant
    BANKING AND INSURANCE
    April 2024 - Today (2 years and 2 months)
    France
    **Mission**: Ensure business ownership of Interbank Exchange, Merchant, and Automated Back Office applications, analyze the impact of regulatory changes on these three application domains.
    • Analyze business needs in collaboration with banking teams (business lines, project correspondents),
    • Analyze regulatory documentation published by networks (CB, Visa, Master) to identify impacts on all applications in the Interbank Exchange, Merchant, and Automated domains
    • Scope functional solutions, contribute to quote development,
    • Write specifications and functional requirements documents,
    • Project management: project reporting, project governance,
    • Assistance/support for TRANSACTIS and banking homologation.
    • Support for the IT department during production delivery phases and incident analysis,
    • Assistance for client users on applications provided by TRANSACTIS.


    **Environment**: JIIRA Software, Confluence, Evolan Payment Clearing (SOPRA Banking Software), Easy Vista (SOPRA Banking Software), IBM Mainframe, Visa Online, Mastercard Connect, Application Lifecycle Management (ALM), TRANSACTIS internal application
    Issuance, Acquisition, Acceptance - authorization, clearing, reconciliation, and settlement Protocols: ISO 8583, ISO 7816, ISO 14443, ISO 20022, incoming/outgoing Visa, Mastercard, CB flows International Claims Management: Visa, Mastercard chargeback/dispute Regulatory Monitoring and Compliance Project Management
  • Groupe SII,
    Card Consultant
    BANKING AND INSURANCE
    April 2023 - July 2024 (1 year and 3 months)
    France
    Merchant and Automated Back Office Processing
    • Ensure business ownership of Merchant and Automated BO applications
    • Analyze the impact of regulatory changes on the Merchant and Automated BO application domain,
    • Analyze business needs in collaboration with banking teams (business lines, project correspondents),
    • Analyze regulatory documentation published by networks (CB, Visa, Master) to identify impacts on back-office applications
    • Scope functional solutions, contribute to quote development,
    • Write specifications and functional requirements documents,
    • Project management for Merchant and Automated domains: project reporting, project governance,
    Interbank Exchange
    • Analyze regulatory changes published by networks (CB, Visa, Mastercard) to identify impacts on all Transverse domain applications (Issuance, Acquisition, and Acceptance)
    • Write specifications and functional requirements documents,
    • Project management for the Transverse domain: project reporting, project governance,
    • Monitor production processing
    • Regulatory watch
    • Manage clearing and settlement flows for networks (CB, Visa, Mastercard)
    Support
    • Support for the IT department during production delivery phases and incident analysis,
    • Support for banking institutions on the integration of accounting flows for operations
    • Referent and support for internal applications in case of operational incidents with networks (CB, Visa, Mastercard)
    • Assistance/support for TRANSACTIS and banking homologation
    **Environment**: JIIRA Software, Confluence, Evolan Payment Clearing (SOPRA Banking Software), Easy Vista (SOPRA Banking Software), IBM Mainframe, Visa Online, Mastercard Connect, Application Lifecycle Management (ALM), TRANSACTIS internal application
    Regulatory Monitoring and Compliance Issuance, Acquisition, Acceptance - authorization, clearing, reconciliation, and settlement Protocols: ISO 8583, ISO 7816, ISO 14443, ISO 20022, incoming/outgoing Visa, Mastercard, CB flows Risk/Fraud Management: prevention, detection, resolution Project Management
  • BANK OF AFRICA SERVICES INTERNATIONAL,
    Card Manager
    BANKING AND INSURANCE
    June 2018 - March 2022 (3 years and 9 months)
    Morocco
    Mission: anti-fraud on payment methods; management of card processing flows (reconciliation, clearing & settlement); management of customer and merchant disputes (regional and international)

    Project/RUN
    • Management of the implementation of the new card fraud detection tool
    • Migration of subsidiaries to the new card processing solution (front-end & back-office)
    • Clearing and settlement
    • Training of operational staff
    • Training of technical sales representatives of subsidiaries on KYB procedures for merchant recruitment
    • Training of card processing agents on card risk management
    • Management of card processing flows: domestic, national, international
    • Acquisition: optimization of authorization requests (reduction of rejected transactions and incorrect debits)
    • Takeover of part of the POS activity previously outsourced to the regional switch (GIM UEMOA)
    • Harmonization of merchant billing based on regions (UEMOA/East Africa)
    • Participation in the study of the Group's strategy on key account merchant management
    • Rapid fund availability: automatic credit to the operating account
    • KPIs and periodic activity reports
    • Tailored advice and support
    • Profitability measurement
    • Follow-up of unpaid transactions (chargeback)
    • Operational risk management: fraud, duplicates, technical rejections
    Support
    • Supervision of the resolution of tickets opened by subsidiaries via the ticketing platform and handling escalations internally and with the service provider
    • Management of escalation tickets with regional and international schemes
    • Management of ticket handling declared by subsidiaries
    **Environment**: Visa solutions (VOL, VROL, BMAS, PRM, VSDC, VRM, VTS), Jira, Igor Core Banking, Putty, Toad, BPC Smart Vista card platform (Front-End, Fraud Management, Back Office)
    due-diligence Risk/Fraud Management: prevention, detection, resolution Card Processing Front & Back-office Business Expertise Project Management Regulatory Monitoring and Compliance

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Education

  • Master Expert
    Ecole nationale Supérieure d'Ingénieurs de Caen (ENSICAEN)
    2023
    Master Expert
  • Master Global E-business
    Université Lille 1
    2017
    Master Global E-business

Certifications

  • Understanding Visa Claim Resolution
    Visa Academy
  • Visa First
    Visa Academy

Skill set

Categories