Stephane Joseph

Leadership & Strategic Consulting: . Served as Deputy CEO for a loyalty-focused startup, driving business growth and scaling strategic partnerships. . Provided high-level advisory services, conducting industry research to optimize product innovation, market positioning, and client retention (+15%). Payments & Fintech Advisory: . Assisted a major EU banking group in launching the Tap to Pay on iOS solution, enabling seamless contactless payments for merchants. . Contributed to the development of the payment system for the Paris 2024 Olympic Games, ensuring secure and efficient transactions at a global scale. Business Transformation & Innovation: . Advised companies on change management and digital transformation, including: . Supporting the transition of an oil & gas firm to renewable energy, improving operational efficiency by 30% and reducing costs by €1M. . Leading the digital transformation of a legal sector company, integrating AI-driven solutions to streamline processes and enhance agility. Revenue Growth & Market Expansion: . Designed and implemented revenue-generating strategies, leading to a 25% increase in profitability through optimized product offerings. . Led business modeling and market entry strategies, helping clients capture untapped market potential across Europe, generating €1M in new revenue.

Strategic Leadership & Business Growth: . Created and deployed a comprehensive revenue generation strategy, driving significant business growth and securing key market opportunities. . Negotiated large-scale contracts with strategic partners, strengthening market positioning and expanding revenue streams. . Managed business design initiatives, aligning new product lines (Payment on Android Devices and Open Payment in Transit) with market trends, diversifying the product portfolio, and increasing market presence. Product Strategy & Ecosystem Management: . Led product roadmap and prioritization, ensuring alignment with business goals and market demand. . Optimized partner and ecosystem management, fostering collaboration with distributors, ISVs, and key payment stakeholders to enhance solution adoption. . Established best practices in product management, streamlining internal processes and cross-functional coordination. Internal Evangelization & Organizational Impact: . Promoted a product-driven mindset by mentoring teams and refining decision-making frameworks. . Led cross-team collaboration to align product, sales, and engineering efforts efficiently. Industry Influence & Thought Leadership: . Represented Famoco at major payment industry events, delivering keynote presentations and participating in expert roundtables to strengthen brand visibility and position the company as an industry leader. . Board Member at nexo standards, driving the adoption of new payment interoperability protocols to enhance global standardization and industry adoption.

• Shaped organization's strategic direction, using business modelling to adjust for evolving industry trends, resulting in a 15% increase in members. • Deployed a communication strategy and executed strategic initiatives across 15 countries, advancing member engagement by 75% and promoting brand recognition in key international markets. • Spearheaded industry research efforts to inform marketing and business development strategies, achieving a stronger alignment with market demands and resulted in a 45% increase in members projects.

• Analysed market data and client feedback to refine product strategies, ensuring better alignment with regulatory standards and client expectations, reducing risk exposure by 10%. • Orchestrated a cross-functional team in design and delivery of financial services, particularly in large retail segment. • Ensure product innovations comply with financial regulations and standards, mitigate risks, and foster trust.

• Led product development for mobile banking solutions, utilizing product analysis and business design to streamline processes during a period of acquisition, increasing client adoption by 15%. • Redesigned solution-focused sales strategies to facilitate revenue generation, contributing to a 20% increase in annual revenues. • Drove innovation through business modelling and strategy implementation, ensuring alignment with evolving market conditions and customer needs, to result in a 20% increase in product adoption.

Planned, set up, and controlled a section of the project schedule, ensuring effective project planning, coordination, and adherence to timelines. Developed application documentation, ensuring compliance with regulations such as Global Affairs Canada's Remote Sensing Space Systems Act and Jun IARU's Amateur Radio Satellite Frequency Coordination requirements. Oversaw project control activities to ensure that all processes met compliance regulations throughout the application development phase.