Loubna Hidraoui

In this role, I provide functional and technical leadership to enhance online payment platforms with competitive, secure, and future-ready features. Drawing on my deep expertise in payment processing, regulatory compliance, and emerging technologies, I design solutions that align with both client needs and industry evolution. Key Responsibilities & Achievements: # Payments Advisory: Act as the subject matter expert on online payments for both internal teams and external clients — advising on best practices, global payment trends, regulatory requirements, and digital wallet integrations. # Solution Design & Delivery: Collaborate with cross-functional stakeholders (product, project) to design and implement scalable, customized payment solutions that improve user experience and operational efficiency. # Enablement & Knowledge Sharing: Lead hands-on training and strategic workshops for internal staff and client partners on the latest in online payments, fraud mitigation, and digital transformation. # Innovation Support: Monitor and evaluate emerging technologies (e.g., tokenization, real-time payments, 3DS 2.x, ISO 20022) to ensure the platform remains competitive, secure, and regulation-compliant.

Led multiple high-impact projects focused on card issuing and ATM acquiring for BNP Paribas subsidiaries across Francophone Africa. Combined industry expertise with hands-on project management to ensure timely and successful launches of solutions tailored to each market’s operational and regulatory context. Key Responsibilities & Achievements: # End-to-End Project Delivery: Managed the full project lifecycle — from requirements gathering to post-launch stabilization — for card issuing and acquiring platforms, including EMV compliance and ATM network integrations. # Stakeholder Engagement: Acted as the point of contact between local banking teams, and technology vendors to align goals, manage expectations, and ensure business-readiness. # Domain Expertise: Provided strategic guidance on issuing/acquiring setup, card personnalization, ATM and management — leveraging deep knowledge of broader payment ecosystems.

As a Senior Project Manager at CMI, I led complex, high-visibility initiatives in the digital payments space — driving innovation, operational efficiency, and ecosystem modernization across acquiring, tokenization, and mobile payments. Key Responsibilities & Achievements: # Contactless Acquiring Implementation: Successfully led the rollout of acquiring contactless payment solutions across CMI’s merchant network, ensuring seamless integration with existing systems and compliance with EMV standards. # Mobile Tokenization Delivery: Oversaw the selection and implementation of mobile tokenization solutions in collaboration with international fintech partners, including Deja mobile — enabling secure, NFC-based digital payments. # Strategic Partner Collaboration: Managed large-scale, cross-functional projects involving banks, fintechs, and global vendors to enhance Morocco’s digital payment infrastructure and accelerate adoption of innovative services. # PMO Establishment: Founded and operationalised CMI’s first Project Management Office (PMO) for IT projects — defining governance frameworks, project controls, reporting processes, and resource planning standards across all initiatives.

* Led the successful implementation of international projects ranging from 3 to 24 months, with teams of 2 to 10 members (QA and Development). * Provided expert technical and functional leadership across 10+ projects within the EMEA region, ensuring alignment with client requirements and business objectives. * Directed the development and deployment of multiple feature releases for Electronic Payment Software (EPS). * Guided technical teams throughout the full project lifecycle, offering hands-on technical assistance as needed to resolve complex issues. Some Key projects include: # JCC Switch in Cyprus # Masraf Al Rayan Bank in Qatar # Orange, Telecom Operator in Morocco: Migration # Centre monétique Interbancaire Switch and Acquirer in Morocco: DCC, digital wallet

Maintenance of HRAccess

Created web sites using PHP, HTML, and wrote design documents, test plans, and user documentation.