Guido B. - Senior Consultant Payments - Payment Transactions

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Hamburg, Germany

Experience

Aug 2025 - Oct 2025

3 months

Consultant Sub-Ledger Cash Accounts

MorgenFund

Advising the operator of a fund platform on software selection for a Sub-Ledger 'Cash Accounts' based on virtual IBANs (VIBAN).
Structuring the business and technical requirements.
Conducting market screening and creating Requests for Information (RFIs).
Communicating with software vendors and managing the entire selection process.

Feb 2023 - Present

2 years 11 months

Workstream Lead Booking and Customer Reporting – Payment Transformation PULS

UniCredit Bank AG / HypoVereinsbank

Responsible for the 'Booking and Customer Reporting' workstream in the 'PULS' payment transformation project.
Conducting business analysis and creating business requirements.
Aligning solution items as part of the functional specification with the bank's IT service providers.
Business analysis for SEPA Credit Transfer and SWIFT MX (various .camt, .pain, and .pacs formats).
Change management and coordination of a virtual team of fifteen line experts.
Stakeholder management regarding the other workstreams.

Feb 2022 - Dec 2022

11 months

Program Manager SWIFT-MX Migration – CBPR+, ESMIG, Euro1Step1

equensWorldline Germany

Overall program management for three SWIFT service bureau projects (CBPR+ migration, ESMIG migration, and Euro1Step1 migration) as part of the SWIFT-MX migration.
Enabling MX compatibility for the payment processing platform of the client Commerzbank.
Management of individual project managers regarding overall goals and requirements.
Reporting to internal and external committees and stakeholders.
Coordinating with dependent projects and programs.

Jun 2021 - Dec 2021

7 months

Project Manager / PMO (Interim)

BCTC Unternehmensberatung Guido Bäcker

Interim project management and covering for project managers during vacations and illness.
Resource planning as well as budget and cost management.
Performing general PMO tasks to support projects in the banking and IT environment.

Feb 2021 - May 2021

4 months

Business Analyst / Process Analyst BASS Development

iBS – Innovative Banking Solutions AG

Business and process analysis for the development of the building society industry software BASS based on the SAP modules BCA (current account) and CML (loan management).
Developing detailed requirements, feature designs, and specifications according to customer needs and product management guidelines.
Conducting alignment workshops with customers and team members.
Preparing project documentation and technical analyses to resolve bugs and incidents.

Aug 2020 - Jan 2021

6 months

Interim Workstream Lead Test Engineering and Methodology – Project APOLLO

Hamburg Commercial Bank AG / Wipro Ltd.

Interim management of the "Test Engineering and Methodology" workstream in Project APOLLO (change of the bank's central payment provider) on behalf of Wipro Ltd.
Leading a 16-person offshore team (India) consisting of automation experts and business analysts.
Setting up a TOSCA-based environment to perform automated acceptance tests.
Planning and managing test executions.
Developing and implementing a stakeholder communication concept.
Project language: English.

Jan 2020 - Jun 2020

6 months

Consultant Test and Incident Management / Omnichannel Management / Online Banking (FinTS)

Deutsche Apotheker- und Ärztebank e.G.

Building and managing test and incident management after the IT migration from bank21 to Avaloq.
Implementing and structuring incident and process control using ServiceNow.
Handover of post-migration stabilization processes to the line organization.
Responsible for prioritization, error analysis, coordination of resolution teams, and reporting to the business unit and management.
Core elements: ServiceNow (incident, request, and process management), test management, line handover and process setup.

Feb 2019 - Jan 2020

1 year

Senior Consultant Project Phoenix 2.0 – SEPA/EBICS/SWIFT / Core Banking System T24 Implementation

Wirecard Bank AG

Supporting a large project with over 150 team members to implement a new payments and core banking platform (Temenos T24).
Setting up an EBICS infrastructure and changing the SWIFT service bureau.
Using ServiceNow to manage defects, test cases, and project processes.
Analyzing and prioritizing business defects and coordinating external service providers.
Reporting to program and company management.
Coaching the project team in SEPA payments and planning and monitoring critical deliverables and milestones.
Project language: English.

Aug 2018 - Jan 2019

6 months

Subproject Lead Incident Management – Current Accounts and Payments Strategy Project

Deutscher Sparkassen- und Giroverband e.V.

Subproject leadership for "Incident Management" in the project to develop a comprehensive payments strategy for the German savings banks.
Planning and managing project activities.
Organizing and leading project events.
Consolidating work results of a 12-person team from savings banks, regional associations, committees, and units of the Sparkassen-Finanzgruppe.
Developing business use cases.
Documenting the banking requirements for planning the technical implementation ("ET3").
Preparing and aligning decision papers for the association's management and external service providers (e.g. S-Rating, Finanz Informatik, Sparkassen-Finanzportal).

Jan 2018 - Jan 2019

1 year 1 month

Scrum Master and Test Manager – Bankline Replacement Project

Deutsche Bank AG

Scrum Master and Test Manager in a project to replace a system for exchanging payment files with customers.
Implemented as an agile project according to Deutsche Bank's Scrum standard.
Developing user stories and facilitating the agile project processes.
Modeling current and target processes.
Defining interface requirements.
Setting up project documentation in the bank's agile tools (Jira, Confluence, Jama).
Participating in trainings at Deutsche Bank Agile University on agility, product owner, Scrum Master, and user stories.
Project language: English.

Nov 2016 - Dec 2017

1 year 2 months

Lead Business Analyst – Customer Information Hub (CIH)

Deutsche Bank AG

Lead Business Analyst in a project for the functional specification of core web services (JSON/REST) to provide standardized transaction data for online banking, branch and third-party systems (e.g. DB-API, PSD2 interfaces).
Building a central real-time database based on SAP HANA.
Functional design of matching procedures for consistent presentation of transaction data from different sources (SEPA, SWIFT, TARGET2, in-house).
Development of a roles and permissions concept for the services.
Performing PMO tasks such as managing review and approval processes, quality assurance and validating deliverables.
Test, defect and change request management as well as coordinating external test resources.
Project language: English.

Jul 2015 - Nov 2016

1 year 5 months

Subproject Manager Migration KK – Current Account Migration SAP BCA

DZ Bank AG

Subproject management in the 'Migration KK' project for migrating current account master data during the merger of WGZ Bank and DZ Bank from a non-SAP platform to SAP BCA.
Responsibility for master data areas of bank statement generation (paper, PDF, EKA camt/MT) and bank statement dispatch (paper, PDF, EKA camt/MT).
SAP-side management of paper statement sending including printing and distribution.
Responsibility for master data related to conditions (interest/fees) and account limits.
Functional and logical design of migration programs and creation of functional specifications.
Functional support during development.
Managing and reporting test activities in the team as well as defect analysis.
Migration coordination and preparation of a migration script.

Feb 2015 - Jun 2015

5 months

Lead Business Analyst – Project TDA (SEPA and SWIFT Standing Orders)

Commerzbank AG

Lead Business Analyst in a project to develop a system for central management of SEPA and SWIFT standing orders and scheduled transfers based on the standard software Open Payments Framework (OPF) by FIS.
IT requirements management.
Coordination with offshore business analyst teams in India and Poland.
Creation and maintenance of a requirements matrix (Traceability Matrix) for SEPA SCT and SWIFT MT.
Gathering archiving requirements for SEPA SDD, SEPA SCT and SWIFT MT orders.
Describing interfaces to the central legacy payment systems (host).
Creating and managing documentation for quality gates.
Creating test cases and reviewing functional test results.
Functional interface specification for connecting decentralized systems (Web Services, JSON/REST).

Aug 2014 - Jun 2015

11 months

Senior Business Analyst – Project ZVneu (Payment Transactions Platform)

Commerzbank AG

Senior Business Analyst in an international project to develop a unified platform for processing all payment transactions of a major German bank, based on the Open Payments Framework (OPF) by FIS.
Analyzing and documenting current processes in retail and high-value payment transactions as well as in interbank payments (MT103/M202).
Defining target processes for message flow based on OPF specifications.
Conducting a gap analysis between SWIFT MT and MX.
Analyzing reporting and data evaluation requirements for the payment transactions platform (including SAS data warehouse and in-house reporting tools).
Creating an archiving concept.
Gathering, analyzing and documenting non-functional requirements.
Contributing to cross-platform architecture decisions in the project and with other stakeholders in the bank.
Project language: English.

Aug 2014 - Jun 2015

11 months

Test Manager Functional Tests – Project Eil-XML (ISO 20022 Urgent Payments)

Commerzbank AG

Test manager for functional testing in the 'Eil-XML' project to implement software for end-to-end processing of customer urgent payment orders in ISO 20022 format (SEPA XML).
Developing a methodology for automated adaptation of test cases and test data to project scope changes.
Managing test data.
Test coordination and guidance of outsourced nearshore test teams in Poland.
Clarifying and analyzing defects.
Preparing decisions on project change requests.
Project language: English.

Jul 2012 - Present

13 years 6 months

Hamburg, Germany

Freelance Management Consultant and Interim Manager

BCTC Management Consulting Guido Bäcker

Consulting, training, and coaching in the financial sector on strategy, organization, and IT topics.
Many years of experience in management and IT projects in the banking environment, as well as in process and IT architectures, payment systems, and compliance systems.
Implementation and use of ServiceNow as a central platform for process, test, and incident management in complex bank transformations.
Stakeholder and C-level management, preparation of decisions and communication materials, and development of concise, actionable concepts.
Agile way of working with confident use of Jira and Confluence.
Analytical, structured, and decision-oriented approach with a deep understanding of typical banking processes and organizational structures.

Jul 2012 - Present

13 years 6 months

Hamburg, Germany

Co-founder and Managing Partner

netzwerk nachhaltigkeit GbR

Co-founded a consulting firm for corporate sustainability in Hamburg.
Responsible for client topics: IT tools, Green IT, reporting, and controlling.
Selected and implemented a tool for sustainability reporting at a North German financial services provider.
Implemented a controlling solution for a sustainable balanced scorecard at a mid-sized medical technology company using Microsoft Excel.

Dec 2010 - Jun 2012

1 year 7 months

Hamburg, Germany

Department Director Business Services

Berenberg Bank (Joh. Berenberg, Gossler & Co. KG)

Led a team of eight employees in the Business Services area.
Developed standards for the organization's internal guidelines according to MaRisk requirements (process documentation, instructions, authority matrix, internal control system, etc.).
Decentralized the management of organizational guidelines and established a representative organization.
Implemented process management (methodology and software tool) for the bank.
Developed a bank-wide project management methodology.
Designed and introduced a company-wide organizational structure.
Developed a new working-time model and managed the technical implementation of the required services.

May 2001 - Nov 2010

9 years 7 months

Hamburg, Germany

Authorized Officer for Organization and IT

Berenberg Bank (Joh. Berenberg, Gossler & Co. KG)

As authorized officer for organization and IT, responsible for IT processes and systems in domestic and international payments, online banking (web, HBCI, EBICS), trade finance, anti-money laundering/AML, and compliance.
Project leadership, project management, and project controlling.
Process analysis and functional design, as well as change and delivery management.
Test management and process documentation.
Ensured operation of decentralized systems in the area of responsibility.
PMO organization, personnel, and resource planning.
Procurement and contract management for external services.
Development, implementation, and monitoring of service level agreements (SLAs).
Participation in industry committees (Association of German Banks, Deutsche Bundesbank).
Moderation and training, as well as leading a team of up to six employees.
Key projects:
Connecting the bank to the RTGS+ and TARGET2 payment systems.
Operation and later outsourcing of an in-house SWIFT infrastructure (Swift Alliance).
Adapting payment systems for SEPA credit transfers and direct debits (SEPA SCT, SDD).
Strategy project 'New Growth Areas in Document Business'.
Selection and implementation of a standard software for documentary payments (SmartStream Trade Finance).
Implementation of a web-based e-banking solution for retail clients, including provider selection, setup of a support hotline, and implementation of an SLA.
Replacement of the old core banking software (current accounts, loans, trading, payments, securities management and settlement, master data) with a new custom solution based on Oracle/PLSQL and Java.
Design and implementation of a DWH-based monitoring system to prevent double payments and embargo violations.
Introduction of a KYC system for PEP screening.
Development and implementation of a centralized master and routing data management for payment systems ('BIC Directory').
Implementation of a reporting tool for payment statistics reporting to the Deutsche Bundesbank.
Implementation of standard software for transaction screening in anti-money laundering (Siron/Tonbeller).
Development of a tool for documenting staff transactions in the compliance area.
Building an in-house system for project reporting, controlling, and requirements management.
Steering technical developments for the bank's website.
Support of payments and other departments regarding day-to-day IT requirements.

Apr 1998 - Apr 2001

3 years 1 month

Wiesbaden, Germany

Senior Professional Financial Services – Competence Center SAP Financial Services

CSC Ploenzke AG

Senior professional at the Wiesbaden branch in the Competence Center SAP Financial Services.
Methodical focus areas: process analysis, functional design, project management.
Subject-matter focus areas: payments, lending, treasury, and risk management.
Technical focus areas: SAP R/3 FI, CO, TR-TM, BCA, CSC ADD, MBS, Samba.
Projects include:
Technical implementation of the requirements of the 6th KWG amendment using standard software (Samba) and a SAS data warehouse at a large German universal bank.
Implementation of SAP TR-TM-LO loan management at a cooperative central bank (deputy project manager), including the BCA, TR-TM/CML, and FI modules.
Creation of a business blueprint for a SAP implementation at a Swiss cantonal bank (subproject lead for payments, posting flows, and system integration).
Implementation of the SAP platform for the bank’s core operations at the same bank as subproject lead for payments and system integration.

Oct 1995 - Mar 1998

2 years 6 months

Frankfurt, Germany

Research Assistant – Chair of Economic Theory (Prof. Dr. G. Illing)

Goethe University Frankfurt am Main

Research assistant at the Chair of Economic Theory.
Supported teaching and research in economics.
Conducted tutorials and supervised students.

Aug 1993 - Sep 1995

2 years 2 months

Bamberg, Germany

Research Assistant – Chair of Economic Policy (Prof. Dr. G. Illing)

Otto-Friedrich University Bamberg

Research assistant at the Chair of Economic Policy.
Contributed to research and teaching in economic policy.
Supervised students and supported courses.

Jan 1988 - Dec 1993

6 years

Working Student and Intern

Various companies (Bayerische Hypotheken- und Wechselbank AG, DG-Bank Bayern, Siemens AG, ITU GmbH)

Various working student and internship roles in finance and industry.
Assignments at Bayerische Hypotheken- und Wechselbank AG, DG-Bank Bayern, Siemens AG (semiconductor division), and ITU GmbH.
Assisted with banking and business administration tasks and gained initial experience in IT-related topics.

Jan 1987 - Dec 1988

2 years

Kamen, Germany

Clerk

Municipal Savings Bank Kamen

Handled clerical tasks and private customer consulting in a savings bank branch.
Areas of responsibility: loan processing and advising private customers on standard banking products.

Summary

Freelance management consultant with over 20 years of experience in management and IT projects in the banking sector. Many years of leadership experience as a department director, responsible for process and IT architectures as well as payment and compliance systems. Skilled at handling complex system landscapes, interface requirements, and regulatory frameworks. Extensive experience in implementing and using ServiceNow as a central platform for process, test, and incident management in complex bank transformations. Highly experienced in stakeholder and C-level management, in structured decision and communication preparation, and in documenting complex relationships into concise, actionable concepts. Agile working style, confident use of tools like Jira and Confluence. Working style: analytical, structured, decision-oriented, with a deep understanding of typical banking processes and organizational structures and strong implementation skills.