Patrick Flamant Chesneau

Oneytrust powers identity verification and fraud prevention for Europe’s top retailers and banks.

I help Payment Service Providers, payment orchestrators and Enterprise merchants enhancing digital user experience by implementing frictionless payment experience. I educate them how they can leverage cutting-edge technologies such as Network Token, Click to Pay, biometric authentication or PCI vault in order to drive significant improvements in conversion rates while minimizing fraud.

newPay consulting provides interim management and/or business booster thanks to in-depth expertise, unique knowledge and network across merchants, PSPs, Fintechs and acquirers in EMEA. http://www.newpay-consulting.com/ Example of assignments : • Arkea Banking Services, 2019, White-label banking solutions : Created key accounts management department (€ 15 M, 50 % of total revenue). Structuring the strategic vision. Monitoring delivery, alongside coordinating with IT, Customer Care, and Legal teams. IT projects revenue multiplied by 4 at € 1 M in less than 6 months • Oneytrust (BPCE Group), 2017, Fraud management: Following a M&A, profiling a new sales & marketing organization (20 FTE); shaped up company structure through strategic advice, mentoring and coaching • Blackfin Partners, 2013, Venture Capitalist: helped decision-making process on a M&A deal • Various engagements for consulting firms across the globe

• Responsible for P&L, looking after a $ 11 M GAAP revenue, managing a team of 20 including Sales, Marketing, Product, Operations, Finance, Legal, HR. Targeting acquirers, PSPs and retailers with ACV deals > $ 500 K. Implementing sales methodology across the board and sales training/coaching. o Doubled EBITDA to € 1,3 M, net profit back to positive at € 570 K in 3 years

C2A, a Technology Fast 500 awarded high-growth fintech, aims to digitalize travel expenses by providing to its customers savings, control and productivity, leveraging payment technology and its partners network. • Managing the P&L, leading the direct and indirect sales team in France, Southern Europe (ES/PT/IT) and Eastern Europe (PL, SK, RO, CZ), scaling up marketing department, structuring customer relationship, fastening product diversification, implementing a growth strategy for boosting revenue. o + 8 % revenue + 114 % customer engagement

• Looking after a $ 16 M GAAP revenue and +45,000 merchants online payment activity. • Managing & inspiring a team of 80 (sales, marketing, product, development, production, customer care). Responsible for P&L and FP&A • Coordinating and executing the roadmap (regulation, features, architecture); improving overall efficiency through transformational change (company culture and process). Implementing sales methodology, IT management industrialization (ITIL & Service Now), optimizing process & organization (Rounder Wheels/ Mc Kinsey) o YoY growth : + 10 %, productivity gain : 15 % o Successfully launched the first unified retail payment solution on the market

Formerly Ogone • Self-started the company on French market. Defined the direct and indirect business growth strategy. Oversawg the business unit and reporting to the top management in Brussels HQ. • Lead, scaled and hired a team of 25 FTE (inside sales, account manager, key account manager, customer care, admin) both on-site and remote, setting up KPI and sales dashboards. • Managed international projects & key accounts; Establishing and driving long-term relationship with banks and Enterprise retailers with CxO relationship and thought leader expertise • Drove the solutions offering and strategic direction of the company • Implemented sales tool and methodology leading to efficiency and growth Grew the business from 0 to 10 M ARR and disrupted the market vs a monopolistic competitor (Atos) o Revenue from 0 to € +10M in 2011, EBITDA > 35 %, YoY growth > 30% o Closed deals : Accorhotels, LVMH, Clubmed, TUI, Veepee, Fnac, Deezer, La Redoute … o Developed partnerships with main acquiring banks through white-label platforms

formerly Kertell • Launching an online payment method based on prepaid cards; Designing the sales strategy. Rolling-out sales tools and back-office. Nurturing relationship with online publishers and media

• Hunting and farming an Enterprise portfolio in Media industry; training and coaching 20 key account managers

• Selling and delivering/performing sales efficiency services to 2500 sales managers at Orange.