Lucian Maricas
London,UK
Summary
Accomplished professional with extensive expertise in Visa Direct Payment Solutions, P2P, RTP, APIs, and cross-border payments. Demonstrates a strong track record in product planning and development, digital banking, retail banking, and cash management. Proficient in leveraging advanced payment technologies such as QR payments, digital wallets, e-money solutions, and fast funds to drive innovation and enhance customer experiences. Skilled in card issuing and acquiring processes, consumer lending strategies, and project management with a focus on Lean Six Sigma methodologies. Adept at managing alias directories and Swift systems to optimise operational efficiency. Committed to advancing payment ecosystems through strategic planning and cutting-edge solutions.
Overview
26
26
years of professional experience
6
6
years of post-secondary education
Work history
Sr. Director, Head of Product Ecosystem & Network Expansion
Visa Direct
London
10.2024 - 02.2025
- Company Overview: https://corporate.visa.com/en/products/visa-direct/partners.html
- Lead 3 teams responsible for Issuer Solutions, Visa Direct Overlay Services and Product & Network Expansion in EU Region
- Responsible for Visa Direct Product roadmap in Europe (payouts to cards, accounts, wallets, FX)
- Develop and execute sales strategy for Visa Direct Overlay services in Europe (i.e
- Request to Pay, Confirmation of Payee, Alias Directories)
- Drive the expansion of VD Network in Europe: new end points, new networks/schemes
- Identify new business opportunities and work closely with Sales, Engineering, Risk, Compliance, Legal, Client Readiness teams to close product gaps and continuously update the payment platform
- Constantly improve payment ecosystem to function optimally on both send and receive sides, drive maximum volumes with highest possible approval rates achievable
- Https://corporate.visa.com/en/products/visa-direct/partners.html
Sr. Director, Head of FI Sales Engineering & Business Development Europe
Visa Direct
05.2023 - 10.2024
- Lead two teams responsible for Business Development and Sales Engineering for Financial Institutions for Visa Direct in Europe region
- Drive FI's sales strategy within the European market, establishing a strong sales pipeline
- Develop strong relationships internal stakeholders and with Issuers' relationship management teams
- Develop tailored solutions and compelling deals to address specific needs of FI segment (both Retail and Commercial Banks)
- Provide strategic solutions to bank clients to develop and launch domestic or cross border payment programs including cards, accounts, wallets and multi currency accounts
- Equip the sales team with tools, resources, and knowledge required to engage and close deals with key FI clients
- P&L and strategic sales responsibilities for FI segment
- Achieve three times FI sales revenue target (AANR) for FY'24
- Exceed total Visa Direct net revenue target by 20% in FY'24
Director, Head of Issuer Solutioning Europe
Visa Direct
02.2018 - 05.2023
- Coordinate the roll out of the Visa Direct payment platform and Fast Funds across Europe Region
- Work with Financial Institutions to integrate with Visa Direct
- Responsible for the enablement of all Visa card credentials for being able to receive payments
- Develop “pull” and “push” solutions for Financial Institutions
- Product Ecosystem KPI responsibilities
- Achieve product ecosystem readiness in Europe to deliver real time domestic and cross border payments using Visa rails
- Roll out strategic global partnership programs in Europe for cross-border push payments: Facebook, Square, PayPal, Revolut
Product Director
PayPoint Plc.
04.2016 - 11.2017
- Company Overview: http://www.paypoint.com
- Manage product portfolio with +11K retailers and 2.5 million consumers
- Lead product portfolio vision, strategy, road mapping, prioritization and execution
- Design from scratch new products and services including customer journeys (Mobile App, Card Acquiring, Bill Payment, EPOS - SaaS)
- Lead the efforts to become PCI compliant and Payment Facilitator with payment schemes (Visa & MC)
- Http://www.paypoint.com
Delivery Director, Europe
RevWorldwide
10.2008 - 03.2016
- Company Overview: http://www.revworldwide.com
- Lead multi-currency payments, travel card programs (including e-Money and e-Wallet), and operations in Europe (UK, Kosovo, Lithuania, Romania, Scandinavia) and Middle East (UAE)
- Strengthen relationships with 10 strategic partners (including SAS, Etihad, General Financing, Raiffeisen Bank, Catella Bank, Travelex, BIW, MasterCard, Visa, China Union Pay)
- Multi-currency travel card program implementations with Scandinavian Airline, Etihad, Travelex, UAE exchange, using Rev platform
- Http://www.revworldwide.com
Business Development Director
Citibank
Romania
02.2008 - 09.2008
- Lead the Business Development of the Retail Banking Division
- Design and set up Liabilities business line
Retail Products Director
Eurobank Ergasias
02.2007 - 02.2008
- Lead 3 business units: Consumer Loans, Credit Cards and Project Management Office
- Manage portfolio of over 400k customers and outstanding balance of over €1 billion
Head of Digital Channels
Raiffeisen Bank
Romania
08.2005 - 02.2007
- Set-up the “Digital Channel Department” in Raiffeisen Bank Romania (online and mobile banking)
- Define the medium- and long-term strategy and UX for digital channels
Project Manager/Black Belt
Raiffeisen Bank
10.2002 - 08.2005
Product Manager
Societe Generale
04.1999 - 10.2002
Education
Bachelor of Science - Business Administration
Academy of Economic Studies
01.1994 - 01.1998
Executive MBA - Business Administration
Vienna University of Economics and Business
Vienna/Austria and Minneapolis/USA 12.2006 - 07.2008
Skills
- Visa Direct Payment Solutions
- P2P
- RTP
- APIs
- Fast Funds
- Cross-Border Payments
- QR payments
- Digital Banking
- Retail Banking
- Cash Management
- E-Money
- Digital-Wallets
- Product Planning & Development
- Card Issuing & Acquiring
- Project Management
- Alias Directories
- Consumer lending
- Lean Six Sigma
- Swift
Timeline
Sr. Director, Head of Product Ecosystem & Network Expansion
Visa Direct
10.2024 - 02.2025
Sr. Director, Head of FI Sales Engineering & Business Development Europe
Visa Direct
05.2023 - 10.2024
Director, Head of Issuer Solutioning Europe
Visa Direct
02.2018 - 05.2023
Product Director
PayPoint Plc.
04.2016 - 11.2017
Delivery Director, Europe
RevWorldwide
10.2008 - 03.2016
Business Development Director
Citibank
02.2008 - 09.2008
Retail Products Director
Eurobank Ergasias
02.2007 - 02.2008
Executive MBA - Business Administration
Vienna University of Economics and Business
12.2006 - 07.2008
Head of Digital Channels
Raiffeisen Bank
08.2005 - 02.2007
Project Manager/Black Belt
Raiffeisen Bank
10.2002 - 08.2005
Product Manager
Societe Generale
04.1999 - 10.2002
Bachelor of Science - Business Administration
Academy of Economic Studies
01.1994 - 01.1998
Similar Profiles
Olivia GregoryOlivia Gregory
Senior Product Manager - Global Launches at Visa Direct (Visa)Senior Product Manager - Global Launches at Visa Direct (Visa)
Oscar, Tse Man ChunOscar, Tse Man Chun
Data Science Assistant Manager at Visa Consulting & Analytics, Visa Inc.Data Science Assistant Manager at Visa Consulting & Analytics, Visa Inc.
Aia CaprichoAia Capricho
Admin Assistant/Customer Service at Direct To Customers Limited/MDF Direct/Ply DirectAdmin Assistant/Customer Service at Direct To Customers Limited/MDF Direct/Ply Direct
Andres VargasAndres Vargas
Logistics coordinator at OracleLogistics coordinator at Oracle
ANKITA MEHDIRATTAANKITA MEHDIRATTA
Manager at Deloitte LLPManager at Deloitte LLP