Benjamin Fite
Payment Transformation Lead - Banking regulatory & migration expert · SWIFT · PSD2 · PSD3 · ISO20022
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À propos
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.
Expérience
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)
Formation
Master's Degree in Chemistry – ECPM Strasbourg (2003-01)
