Sydney MARTIN

Building a cross-border banking infrastructure for expats, migrants, and diaspora populations. Arcadia addresses a structural gap: financial systems are not designed for people living across countries. — System design & architecture: – designed a next-generation financial platform (accounts, payments, transaction lifecycle) – structured end-to-end transaction workflows (validation, controls, status management) – integrated AML/CFT directly into system architecture (monitoring, scoring, alerting) – defined risk-based decision workflows (automated vs manual actions) – designed compliance-driven data collection, validation, and monitoring systems – structured financial flows and orchestration across multiple systems — Execution: – working with engineering to deliver a core banking MVP – translating regulatory and business constraints into product and system design – building infrastructure aligned with regulated partners — Go-to-market model: – corridor-based expansion (Africa ↔ Europe) – distribution-first via structured diaspora networks – converting distribution into executable agreements — Focus: building a system where compliance, identity, and transactions work across borders. Bankeaz is the first product layer.

Led a group-wide AML/CFT & KYC transformation program in a regulated banking environment. Scope: – multi-entity program across compliance, IT, risk, and operations – alignment with ECB / ACPR regulatory requirements Key contributions: – designed end-to-end KYC and onboarding workflows – defined compliance-driven system architecture (data, controls, validation) – implemented risk-based validation and monitoring mechanisms – structured data collection and document workflows at scale – coordinated compliance, legal, IT, and operations teams Execution: – managed roadmap, backlog, and Agile delivery – coordinated testing, rollout, and production readiness – ensured alignment between regulatory constraints and operational reality Impact: – AML/KYC framework validated during ECB audit – standardization of compliance processes across entities – improved data quality and onboarding efficiency

Led the design and delivery of a multi-service financial platform (B2C / B2B2C). Key contributions: – designed platform covering accounts, payments, and transactions – structured financial data flows across multiple systems – contributed to API-first architecture (microservices environment) – defined product vision, roadmap, and delivery strategy – coordinated IT, compliance, legal, and business stakeholders Execution: – managed Agile delivery (roadmap, backlog, releases) – handled cross-team dependencies and platform evolution – aligned product, architecture, and engineering Impact: – platform deployed to 2M+ users – integration with 15+ European banking partners – enabled scalable financial ecosystem

Led delivery of a large-scale platform program involving 200+ stakeholders across multiple entities. Key contributions: – defined product workflows, data exchanges, and delivery processes – coordinated product, IT, legal, and business teams – structured roadmap, governance, and KPIs Execution: – managed large-scale Agile delivery across multiple teams – handled cross-organization dependencies and constraints – delivered under high time pressure Impact: – full platform delivered in 10 months – successful execution of strategic partnership

Led transformation and structuring of internal platform and delivery processes. Key contributions: – defined product requirements and workflows – structured backlog and delivery processes – coordinated product and IT teams Execution: – improved delivery processes and operational efficiency – accelerated development cycles Impact: – delivery velocity improved x3 – platform integration delivered in 4 months