Independent IT Consultant "Banking/Finance"
Risk / Credit / eBanking / Payments / Insurance

FUNCTIONAL SKILLS

Credit

- Real estate loans, personal loans and consumer loans, revolving loans
- Professional loans and business loans
- Equipment Leasing (credit-bail, lease with purchase option, financial leasing)
- Real Estate Leasing
- Factoring (full factoring, invoice discount)
- Overdrafts (cash facilities, global limits, temporary agreements)
- Bâle agreements (financial scoring, BDF grade, equity, RWA, PD, LGD, EAD, solvency, commitments)
- Intraday Limits (RWA Optimization)
- Received securities (mortgage, pledge, collateral, surety, mutual guarantee company)
- Issued securities (commitment by signature, bond)
- New definition of default (obligor's days past due, unlikeliness to pay, forbearance, automated scoring decision engine)
- Development of a loan simulator (multi-markets, multi-types, multi-formats) (Excel+VBA)

eBanking

- Payment smart cards (for individuals, professionals, businesses)
- Credit cards (consumer, revolving, promotional, micro-credit)
- Prepaid cards (electronic wallet, gift cards)
- POS payment terminals (commercial eBanking)
- Automatic teller machines (ATM)
- Card-holders file management
- Routing and authorisation servers
- Cards customization

Payments

- Checks and cash processing
- Direct debit and direct credit : internal/external, domestic, european SEPA, international SWIFT
- Payment cards (private/international)

Insurance

- Third-party insurance (death, disability)
- Asset insurance (machine breakdown, financial loss, computer risk)
- Vehicle insurance (casco, liability)

TYPES OF INTERVENTIONS

Business Analyst

- Analyses and requirements, functional specifications
- Planning and budgeting, project management and staff management
- Test plans, functional testing, management of defects, delivery approval
- Environment migration, solfware migration, data migration
- Training of users and decision makers
- Innovation, quality and ergonomics

PROFESSIONAL POSITIONS

From January 2000

DIRECTOR of LIENA Communications in Paris (France)
IT counseling, services and technical support. Client/Server Architecture
- 11/2019-12/2022 : HSBC France - Risk & Credit (Risk Transformation)
- 02/2019-09/2019 : AXA Banque - Consumer Credit
- 05/2010-09/2018 : HSBC France - Credit & Risk
- 01/2008-03/2009 : Société Générale Consumer Finance - Credits & eBanking outside France
- 01/1998-12/2007 : Crédit Lyonnais - Third-party maintenance (all banking applications)

August 1997
January 1991

ATOS - SLIGOS (IT Company)
- 10/1996-12/1997 : Crédit Lyonnais - Projects manager - Consumer credits
- 07/1995-09/1996 : Crédit Lyonnais - Projects manager - Credit cards
- 07/1994-06/1995 : Crédit Lyonnais - Projects manager - Risk management
- 04/1993-06/1994 : BNP (Banque Nationale de Paris) - Conceptor - Telecom systems
- 07/1992-03/1993 : Crédit Lyonnais - Analyst - Insurances
- 01/1991-06/1992 : Crédit Lyonnais - Analyst and tester - Automatic eBanking

December 1991
January 1989

STERIA Bank (IT Company)

01/1989-12/1991 : Programmer - Automatic eBanking (STEGAB project)