Description

Senior Payments Consultant with 18+ years of experience in card payment systems and real-time authorization platforms.

Specialized in card issuing, acquiring and switching, with strong expertise in ISO 8583 transaction processing and integration with Visa and Mastercard networks.

I support banks, fintechs and payment providers on:

Implementation and optimization of card payment systems

Design and evolution of authorization platforms

BIN migration and issuing capabilities extension

Integration of fintech partners via APIs (REST/SOAP)

Strong experience working on critical production systems with high availability and real-time transaction processing requirements.

Used to operating in regulated environments (PCI DSS, banking compliance, international schemes).

Available for consulting missions in payments, cards and fintech integration.

Industry field of expertise

Languages

Arabic
Native or bilingual
French
Native or bilingual
English
Native or bilingual

Workplace preferences

Can work on-site

Paris (up to 50km)

Bank of Tunisia and the Emirates
Head of Digital Payments & Card Platforms
January 2011 - Today (15 years and 5 months)
• • Supervision of Card Payment Systems (Issuing & Processing)
• • Deployment and evolution of an ISO 8583-based authorization system
• • API integration (REST/SOAP) with Fintech partners
• • Migration to 8-digit BIN (20,000+ cards)
• • Launch of Co-Branded virtual and prepaid cards (Bank/Fintech) under the Visa BIN Sponsorship program.
• • Implementation of BNPL, mobile payment, and Payment Facilitator (PayFac) solutions.
• • Contributed to the launch of a Banking Crowdfunding project (first initiative in the local ecosystem)
• • Coordination with Visa/Mastercard , regulatory authorities and National Payment Switching System
• • Operation of real-time payment systems with high availability requirements
ISO8583 Banque Monétique Paiements API
Bank of Tunisia and the
IT Manager
December 2007 - December 2010 (3 years)
• • Development of Banking applications (Oracle Forms / PL-SQL)
• • Application support for core Banking systems
• • Digitalization of internal Banking processes