Benjamin Fite

Senior Business Analyst and Product Owner specialized in Payments and Card Processing, with over 15 years of international experience across France, Belgium, and the Netherlands within Tier-1 banking environments including BNP Paribas, Deutsche Bank, LCL, and Natixis. Experienced in leading critical transformation programs, including regulatory compliance (PSD2 / Open Banking), mobile and core payment engines (SWIFT / SEPA), multi-channel payment journeys, payment platform modernization and API integration, and back-office and operational process transformation. Strong background in Agile/Scrum and DevOps environments, working in complex multi-team (business / IT) organisations, with a proven ability to translate business requirements into clear and actionable functional specifications.

Business Analyst at Credit Agricole Technologies & Services (2023-01 – Present)

• Impact analysis and migration scenarios for 1,500 SharePoint collaboration spaces (100,000 users)
• Writing and tracking user stories in JIRA
• Coordination with development and IT teams
• Regular stakeholder communication and project reporting

MOA / Business Analyst · Regulatory Transformation at APICIL Épargne (2023-01 – 2023-12)

• Business requirements analysis and functional scoping
• Regulatory compliance (FICOVIE reporting framework)
• Process documentation and operational procedures
• Improvement of IT and business processes
• Reduction of 85% of critical blocking anomalies

Startup Founder / Product Innovation at GENEO Incubator (2020-01 – 2022-12)

Entrepreneurial Experience

• Product discovery and innovation frameworks
• Business model creation and validation
• Rapid prototyping and MVP testing
• R&D and iterative product development

Lead Business Analyst / Product Owner · Payments Transformation at Deutsche Bank (2017-01 – 2019-12)

• Open Banking transformation and PSD2 compliance implementation
• Lead on Berlin Group standards adoption (Belgian market)
• Functional specification of PIS, AIS, CIS services
• Validation with Legal & Compliance teams
• SWIFT, FX and core banking impact analysis
• Design of SWIFT outgoing payment engine
• Integration with Home Banking, Core Banking, Accounting and legacy systems
• Management of a team up to 5 Business Analysts
• Backlog management and Agile prioritization
• Coordination of QA, UAT and regression testing activities
• Representation of the bank at Febelfin (Belgian banking federation)

Business Analyst · Payment APIs at Payconiq International (2016-01 – 2016-12)

• Design of payment and conversion modules
• API specification and functional testing
• Product documentation and Agile delivery support

Product Manager SWIFT / Business Analyst Payments at BNP Paribas CIB & Fortis (2011-01 – 2013-12)

• Management of SWIFT & SEPA payment product portfolio
• Product roadmap definition and group KPI design
• Regulatory compliance (DSP / PSD evolutions)
• SWIFT transaction billing analysis
• Cross-functional coordination (Business / IT)
• AML / KYC processes (FATF alignment)
• Cash pooling onboarding across subsidiaries

PMO / Project Manager at Natixis Payments (2009-01 – 2009-12)

• Management of a €5M annual project portfolio
• Payment infrastructure migration programmes
• Coordination between production and IT infrastructure teams

Business Analyst · Card Payments at LCL (2007-01 – 2008-12)

• Card authorization, issuing, acquiring and clearing processes
• SPOC for 30 partner banks
• Incident management on payment flows
• Banque de France audit support

Software Engineer / QA · Payments Systems at BNP Paribas (2006-01 – 2006-12)

• Support for SWIFT payment systems
• Unit and regression testing
• Mainframe environment (COBOL, MQ)

Master's Degree in Chemistry – ECPM Strasbourg (2003-01)