Maryam Aroni
Digital Platforms Product Manager
Summary
More than 15 years of experience in delivering solutions for card issuing (HSBC), acquiring (FIS & First data), merchant services (Microsoft, eBay managed payments), payment schemes (Visa & Mastercard), bank transfer (PSD2 implementation in Capgemini), payments compliance (FCA reporting in eBay managed payments) Skilled in running product discovery workshops, creating, prioritising & presenting projects’ delivery roadmap. Defining KPIs to ensure successful delivery of the digital platforms Managing senior internal and external stakeholders, from C-suite to offshore/nearshore global development and design teams Expert knowledge of payment standards such as ISO 8583, ISO 20022, Hong Kong Faster payments, SEPA, APACS S70, AISP & PISP (PSD2), data analytics tools such as Tableau and MicroStrategy, familiar with Restful APIs/JSON (using Postman), tokenisation (OAuth2.0) & Strong customer authentication (SCA) Personal interest in the latest technologies: Certified AWS cloud practitioner, building mobile apps (using Flutter), Progressive Web apps (Using JavaScript and Firebase), Python to analyse data
Overview
17
17
years of professional experience
2
2
years of post-secondary education
1
1
Language
Work History
Senior Payment Manager
Managed Payments UK
London
06.2020 - Current
- My main duty is to ensure the compliance of the UK payment entity with the FCA regulations
- Besides I also have a global role where I need to interact with other general managers, lawyers, compliance officers, product owners and Infosec/Cyber security team
- These stakeholders are based in Singapore, China, US, Australia and Luxembourg
- As part of the role, I am responsible to manage the programmes belo
- Product development: Building a platform called GRC (Governance, Risk and Compliance) from scratch to streamline the governance process for eBay managed payment regulated entities
- The platform is made up of several workflows to automate the approval process and dashboards to provide insight to the senior stakeholders
- The platform uses ERM methodology to assess the regulatory requirements risk and monitor controls’ strength
- I am the business platform owner responsible for the platform strategic direction, communication with the business & technology, managing product owners and data integrity
- In this capacity I have 3 product owners, a business analyst and a development team who report to me
- Implementation of regulatory reporting for the FCA (REP017, FSA56, PSD2 Dedicated interface…)
- Implementation of EU payment statistics report and dashboard (CDDP6) for eBay Luxemburg entity
- Ensure compliance with the Payment Institution licence (safeguarding insurance, wind down planning)
- Manage day to day operation of the UK entity (submission of annual regulatory reports, risk management, quarterly board meetings, internal and external audit programmes)
- Setting up global KPIs to measure the performance of payment entities based in Luxembourg, US and Australia- for example dashboards for payment risk and fraud monitoring across the globe
- Payment entity outsourcing performance analysis
- Setting up and monitoring of outsourced vendors SLAs (Service Level Agreement)
Senior Product Manager
Indie Campers
Lisbon
01.2020 - 03.2020
- Digital experience- Travel industry-impacted by Covid-19
- Managed a team of product managers to build new digital solutions for road trip lovers
- Within the span of 3 months implemented the agile way of working, established weekly product presentations to developers and designers, facilitating story sizing and estimation, sprint planning, organising product demo and retrospective sessions
- Trained the team to build effective user stories with objective & measurable acceptance criteria
- The role was terminated due to novelty and Covid outbreak
- I also wanted to go back to London.
Product Owner
First Data Corporation
07.2018 - 07.2019
- Merchant Billing & Invoicing Solution, This was a programme to launch a full-acquiring solution for a fintech start-up based in London (https://www.natwest-tyl.com/)
- My responsibility was to:
- Deliver a data provisioning platform as a product
- The purpose of the product is to give measurable insight into merchant costs and customer spending
- Using this dashboard merchants can take actions to manage costs more efficiently
- This module included “merchant monthly invoice” solution too
- I acted as the liaison between the client and Fiserv development team
- Using iterative method to get agreement about MVP specification with business stakeholders
- The development methodology was Agile/Scrum
- The teams were based in Slovakia & Poland
- I acted as the product owner, attending daily stand-ups, presenting product requirements, helping the scrum master to remove blockers to expedite technical delivery
- Attending product demo to approve the delivered solution
- Liaising with testers to ensure they understand acceptance criteria and reviewed their test scripts
- Continuous discussions with in-house designers and the client’s designer to ensure the desired quality is met.
Product Owner
HSBC UK
09.2017 - 07.2018
- The purpose of this programme was to improve corporate client user experience during payment journey
- As a product owner I sat between IT, operation, user experience designers and HSBC internal business team to understand, clarify and document requirements based on business priority so that the developers and testers can pick up the stories
- These teams are geographically located around the globe
- The role mandated strong stakeholder management from senior to junior levels
- On a daily basis I attended stand-ups, interacted with scrum master, designers, solution architect and developers
- Projects:
- US bill payment
- ACH (batch payments) and P2P
- Hong Kong faster payment, gateway to open banking in Hong Kong
- Multi factor authentication (Step up)
- Web analytics (Tealium tagging)
Portfolio Manager
Capgemini
04.2017 - 08.2017
- PSD2 & Open Banking (CMA)
- Lead a team of consultants to present open banking API platform features, documented client’s customised needs and got the sign off within 3 months
- Ability to deliver under tight deadlines, strong stakeholder management, and thinking on my feet was a must in this job
- The team and I managed to get a signed off document for TPP and developer onboarding portals within this period
- The topics we covered were:
- TPP & Developer portal (functional design document along with UX)
- PISP & AISP (API technical documentation)
- UX for Multi factor authentication
Optimisation Manager
Visa Inc
London
08.2015 - 03.2017
- As a product manager I was working with 20 issuing banks in the UK, Ireland, Italy and Greece, along with 7 major acquirers across EU, through monthly workshops and weekly calls
- My role was to identify the gaps in data quality, communicate the requirements with internal IT team & external clients, propose a solution to resolve the problems, highlight the underlying risks if the issues are not addressed in time and agree about delivery timelines with the banks
- Projects:
- Recurring payments optimisation (optimising consumer journey in line with regulatory requirements)
- Data remediation and operational process optimisation
- Product dashboard and KPI reporting for Visa Europe quarterly board review
- Product pricing model, revenue forecast and roadmap development (Visa Account Updater)
Payment Manager
Microsoft
London
08.2014 - 07.2015
- I managed the relationship with 3rd party payment processors based in Russia (Qiwi, Yandex) and Europe
- As part of the role, had to identify the weakness and strength of each payment method, write a business case (P&L, high-level project plan) to assess the impact on sales, if the method goes live
- I also managed the product roadmap for senior leadership reporting and strategic planning
- Projects:
- SEPA DD and SCT
- Digital wallets & recurring payments (QIWI wallet)
- Payment methods gap analysis in top Skype strategic countries (MINT & BRIC)
Business Analyst Agile/ scrum
Worldpay, FIS
London
09.2012 - 07.2014
- In this role I bridged the gap between internal and external customers with Worldpay IT team
- In order to deliver the payment solutions, I had to adhere to agile methodology principals
- On a daily basis I interacted with business end users from different departments such as operation, risk & fraud prevention, finance, legal & compliance, delivery & products
- As a result of this interaction I: facilitated workshops, scoped the project deliveries, analysed the gaps, wrote user stories and presented to development team, oversaw UAT scenarios and managed stakeholders’ communication channels
- I also acted as the proxy product owner, in charge of maintaining & prioritizing the work items in the product backlog
- In addition to my project duties, I coached & mentored junior BA(s)
- Projects:
- UK Faster payments- XML ISO20022
- Consolidated settlement clearing & reconciliation system for cross continent payment methods
- SEPA (SCT)- Agile/ Scrum- XML ISO20022
- Non-card payment service provider (PSP) integration using API
- Digital Wallet- Agile /Scrum
- Risk analysis and fraud prevention system
- FX trading & currency accounts’ reporting
Technical Project Manager
Carta Financial Services
London
11.2011 - 08.2012
- Prepaid processing (Start-up)
- Projects:
- Visa certification- EMV: identifying business requirements, communicating them to VISA via product application forms, liaise between VISA & CARTA offshore team in transferring and translating requirements
- White label prepaid product: Eliciting requirements, presenting a solution for white label MasterCard prepaid customers and managing projects till go live.
Dunia Finance
Dubai
01.2008 - 09.2011
- Card payment platform owner- Waterfall
- In this role I was reporting directly to CTO
- I was responsible for gathering requirements from cross functional teams, documentation, system configuration, troubleshooting and live system support, subject matter expert in card payments and related BI for payment data
- During my tenure in Dunia I delivered the following projects:
- Projects:
- MasterCard certification- MagS (2008)
- Management of data dashboards using Oracle PL/SQL
- Co-brand credit card programme (2011)
- Prepaid card programme (2010)
- Utility bill payment (online and batch) (2009)- 3rd party supplier- API
- Card management system launch and integration with external interfaces (2008)
- Customer statement, Online banking and IVR enhancements (2009~2011
Pooya Co
02.2006 - 12.2007
Implementation Manager
Tokyo Institute of Technology
Tokyo
- 09.2005
- Card payment system
- Achievement: Promoted as a team leader within 9 months of my assignment Academics
- M.Sc
- In Engineering, Information Processing Oct 0’3 –
Education
Master of Science - Information Technology
Tokyo Institute of Technology
Tokyo 10.2003 - 09.2005
Skills
Product Management
Certified Amazon Web Services (AWS) cloud practitionerOperations management
Project Management
Improvement initiatives
Stakeholder Management
Problem Solver
Timeline
Senior Payment Manager
Managed Payments UK
06.2020 - Current
Senior Product Manager
Indie Campers
01.2020 - 03.2020
Product Owner
First Data Corporation
07.2018 - 07.2019
Product Owner
HSBC UK
09.2017 - 07.2018
Portfolio Manager
Capgemini
04.2017 - 08.2017
Optimisation Manager
Visa Inc
08.2015 - 03.2017
Payment Manager
Microsoft
08.2014 - 07.2015
Business Analyst Agile/ scrum
Worldpay, FIS
09.2012 - 07.2014
Technical Project Manager
Carta Financial Services
11.2011 - 08.2012
Dunia Finance
01.2008 - 09.2011
Pooya Co
02.2006 - 12.2007
Master of Science - Information Technology
Tokyo Institute of Technology
10.2003 - 09.2005
Implementation Manager
Tokyo Institute of Technology
- 09.2005