Regis Massicard

Lead European payments operations (cards, bank payments, payouts, APMs) and strategic partnerships, owning KPIs (auth rates, conversion, chargebacks, cost/transaction)—including fraud reduction. – Steer ops team and cross-functional initiatives (product, engineering, risk, CS) to optimize performance, launch NFC wallet, scale card issuing, and ensure PSD2/regulatory compliance. – Manage/expand partnerships with processors, card schemes, vendors, regulators—driving negotiations, SLAs, and resilience. – Lead multicountry product rollouts, fraud mitigation strategies, and go-to-market for innovation.

Delivered actionable insights to optimize and grow payments businesses for banks, PSPs, schemes, and large merchants—led C-level strategy reviews on market entry, go-to-market, new product development. – Specialized in Open Banking, BaaS platforms, payments orchestration, digital assets (Blockchain, DeFi, CBDCs)—designing scalable propositions. – Drove client transformations through strategic analysis and innovation roadmaps.

Manage Ingenico transition to SEPA and non Card Payments – Develop Ingenico's vision on mid and long term payments market trends, in order to anticipate Ingenico's strategic directions and positioning, especially on its acceptance offerings – Define Ingenico's strategy and roadmap regarding SEPA standards and regulation (MIF regulation, PSD2, etc...), in connection with product management and marketing functions – Ignite new product offerings, partnerships and POCs on innovative topics : Merchant Wallets, Instant Payments, AliPay / WeChat acceptance, QR Code standardisation.. – Coordinate Ingenico's presence into SEPA regulatory and standardisation bodies: eCSG, nexo standards, EPIF, to ensure consistent messages are convened and orientate standards towards Ingenico's interests and objectives

Nexo is a global standardisation initiative with the mission to: – design, develop, promote and maintain card payment and cash,withdrawal standards, protocols and implementation specifications, which follow a universal ISO 20022 standardisation process. – facilitate domestic and cross border payment acceptance – deliver open and non-proprietary solutions to reduce costs and foster competition.

Helped the Sales Director reach sales goals through improved processes & market insight, leaner organisation and increased coordination with other departments. – Market and competition analysis. Mid term strategic road plan. – Design of Go to Market model to improve customer coverage and sales force productivity – Implementation of tools and dashboards to improve business intelligence, sales analysis and reporting – Liaison & coordination with connected functions (marketing, finance, sales comp, ...) to align objectives and actions – Sales objectives negotiations and distribution. Sales figures monitoring

Joined Odyssee, a highly successful start-up in management consultancy, shortly after creation. Odyssée was sold to Atos in 2000 to become its consulting arm. Rapidly gained responsibility from consultant to senior manager role. – Strategic Marketing projects: strategy review, market analysis, business plan, product / service design, development & launch, strategic and organisational road plans. – Organisation / restructuring projects: outsourcing of non-core activities, productivity improvement, benchmarking, alignment of organisation with strategy. Most projects had an international scope, e.g. a European Cash centralisation. – Initiated and developed a partnership with a VC for the selection of start-up projects: analysed business plans, made investment recommendations, helped start-ups through their launching phase. – Launched a developed a mobile business practice, implemented mobile accesses to corporate databases and designed innovative mobile applications.

– Strategic Marketing: identified possible product offerings scenarii for Eurostar. Analysed recent disruptive moves in the US air travel industry to evaluate their transferability to Eurostar. Conducted an extensive market study. Defined customer segmentation, corresponding product mixes and pricing strategy.

Financial analysis for project financing and long term credit deals. Analyse companies' results, markets and strategy for Scandinavian multinationals in Telecom, Pharmaceuticals, Automotive industries.