Iyad Abbara

Within Verifone Worldwide Cloud Services (VCS), I’m in charge of VCS Applications Support teams in France, running 24/7 Retail and e-Com Payment Gateways: • Provide leadership, direction, hiring and team building. • Drive best practices to enhance system stability with a view to the reduction of risk and significant cost savings. • Coordinate team tasks (BAU, Change requests, Incident management) and provide regular status updates, issues, concerns to management. • Act as an escalation point for Applications Engineers liaising with local and international Verifone’s teams: Business, Finance, Projects, Dev, QA, Security, Network, Infrastructure, ITOC… • Drive global migration projects (Datacentre, AWS, TNS, OS, Web Portal), deployment of system changes and gateway applications. • Cultivate win-win professional and contractual relationships, liaise and share knowledge at all levels with external partners and providers (OBS, TNS, MariaDB). Follow-up of provided services quality and of related invoicing and payment.

Market Pay Tech (Carrefour group) - Evolutive and corrective maintenance / Project management • Market Pay Tech is in charge of the development and the RUN of the Payment Cards solutions for Carrefour group. My role : o Driving the relation with our clients/partners/providers in the issuing domain. o Follow-up of the issuing incidents to ensure the RUN of the different platforms. o Management of evolutive and migration projects. Credit Agricole (CA) - Project Management/ Business Analysis • Within CA “Means of Payment Pole” and Agile environment, participating to different projects for the evolution of CA Payment Information System and Payment Back-Office: o Liaising with CA stakeholders in order to gather and write requirements. o Definition of use cases and user acceptance test scenarios. o Follow-up of implementing and validation. KCS-MONETIC - Business development • KCS Monetic is a start-up developing Multichannel Money Transfer solutions. My role was to help them searching and developping new partnerships to enlarge the company cash-in and cash-out networks. MONECAM (Credit Agricole) - Project Management/Business Analysis • Development of a new web-based client-server multi-applications payment system based on “light payment terminals” connecting to a server offering Online Card Payments and other VAS applications (requirements gathering, functional specifications, planning, suppliers management...).

Retail Decisions (www.redplc.com) is a world leader in processing Payment Transactions and Card Payment Fraud Prevention. My main responsibilities are: • To act as a client facing project manager on multiple projects from pre-sales to go live to ensure objectives are achieved on time and costs and clients are satisfied. • To manage the Projects team ensuring projects are allocated and well administered.

AIR FRANCE • Coordination of a migration project of payment terminals and IS of Air France in order to accept EMV banking and privatives cards and perform EMV payment transactions. PARTECIS (Joint venture of NATIXIS & BNPP) Within a consortium of IBM, ACI and GFI, participation to the initiation phase of a migration project of the Issuer Authorization Servers of both banking groups NATIXIS and BNPP to a common Front-Office Server based on Base24-eps (ACI product): • Definition of the project scope and the global functional architecture. • Definition of common functionalities, specific functionalities, main deliverables and milestones. M+X (Natexis Banque Populaire) In charge of studying the feasibility of implementing privative card schemes in France; CUP (China UnionPay Payment Cards), SECETI (Italian payment cards): • Card Acceptance (POS, ATM) • Transaction Processing (Acquiring, Overseas Authorization, Clearing and Settlement).

I was in charge of GEMPLUS OTA Value Added Services platform and Operations team (6 persons, 700K€) with Saudi Telecom Company at Riyad, KSA. The platform allows administrating SIM cards of GSM mobiles, services offering for browsing subscribers and billing management. • Ensure continuous activities on the platform 24h/24, 7d/7, enabling the client to generate the expected revenues. This meant to fulfil our contractual commitments, make sure regular operations are performed correctly and guarantee a quick fixing of any problem that arises. • Develop the relationship with the client and his partners in order to understand his current and future needs and take quick actions to satisfy him. • Follow up the new projects development in France, integration and roll out on the production platform in Riyadh. • Establish the communication with the sub-contractors to develop long term partnership enabling us to have high qualified resources at best prices in a win-win strategy.

Purchasing Card • Answer with MasterCard and Credit Mutuel to the RFB launched by the Finance Ministry to test the PCard system in the public sector. • Implementing the solution at the concerned entities and their suppliers. • Definition of SLA. • Definition of French market requirements: - Buyer needs. - Supplier needs. - Legal constraints for invoice dematerialization. • Contact other PCard issuers (AMEX) to develop an inter-operable solution. Payment Systems • Main contact of clients (Total, Shell Direct) or partners (till suppliers) for studying their needs and defining the project major milestones. • Follow up and coordinate internally between the different teams (20 persons, 3 M€) in charge of realising and implementing the relevant system : - Integrated payment systems. - Standalone payment terminals. - GSM mobile terminals for payment and delivery rounds management. • Sub-contractors management. • Pre-sales with potential clients.

ASTRIA (ATOS group) is an editor and integrator of Banking Front Office Software Systems. • Functional and technical interlocutor of the client (Crédit Lyonnais, Crédit Communal Belge). • Definition of client needs and writing of functional specifications: - Supervision of the bank ATM network. - Acquisition, Routing and Authorization server. • Planning and coordination of the different tasks of the project team. • Follow-up of the realization, installation and end user’s validation tests.