03.11.2026 aktualisiert

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Payment Consultant | Business Analyst | Payment Strategy & Operations | Adyen, Stripe, PayPal

Berlin, Deutschland
Weltweit
Bachelor in Computer and Communication Engineering
Berlin, Deutschland
Weltweit
Bachelor in Computer and Communication Engineering

Profilanlagen

Elie_Joseph_Resume_Sep26.pdf

Über mich

Digital payments expert with 17 years of experience in managing, building, scaling, and leading payment products. I help e-Commerce, SaaS, Platforms and Marketplaces with everything payments.

Skills

BillingE-CommerceBetrugspräventionPayment GatewayZahlungsdienstleisterStripe
I have extensive experience working as a Project Manager, Business Analyst/Architect, Product Manager/Product Owner, and Team Lead on both B2C and B2B payment projects.

I bring strong hands-on experience and expertise in:

Running RFP processes for the selection of Payment Service Providers (PSPs), subscription and billing platforms, including creating longlists and shortlists, applying procurement best practices, evaluating vendors, and communicating final recommendations.

Negotiating contracts with PSPs, acquiring banks (acquirers), and fraud solution providers, covering transaction pricing, API response times, support models, Service Level Agreements (SLAs), Data Processing Agreements (DPAs for GDPR compliance), and PCI-DSS compliance.

Leading payment projects from initiation to go-live, including scope definition, solution design, implementation, QA testing, rollout monitoring, daily and weekly reporting, as well as stakeholder and escalation management.

Designing payment solutions for e-commerce platforms as well as physical, offline retail (POS) environments.

Building marketplace payment solutions that connect merchants, sellers, and buyers on a single platform, including automated payment splitting, seller payouts, and reporting.

Designing and integrating payment systems across the full payment journey, including online and in-store checkout, payment authorization and fraud management, shipping and settlement (capture), returns and refunds, chargeback handling, financial reporting, and data analytics.

Developing mobile POS (mPOS) solutions that can operate as a primary or backup checkout system for retail stores.

Automating billing and reconciliation processes, including receiving settlement files from PSPs or acquirers and reconciling them against open invoices and financial records in finance systems such as SAP FI, with minimal manual intervention.

Setting up and training payment support and operations teams.

Advising payment analytics teams on sourcing and structuring raw transaction data from third-party payment providers.

Erfahrung

Berufserfahrungmehr als 10 Jahre
Freelancer seit2021

Sprachen

DeutschgutEnglischMuttersprache

Projekthistorie

Senior Fraud Manager

SIXT

Internet und Informationstechnologie

5000-10.000 Mitarbeiter

Senior Product Expert - Accounting as a Service

Riverty

Banken und Finanzdienstleistungen

5000-10.000 Mitarbeiter

Sr. Payments & Fraud Consultant (Freelance)

LEGO
Delivered 20 Million Euros p.a uplift optimization, assessed technical and functional solutions, proposed changes to optimize payment cost, and reviewed settlement and reconciliation O2C processes

POS Product Manager (Freelance)

CommerzBank Global Payment
Defined newly introduced POS product requirements, coordinated implementation in Germany with international team and 3rd party vendors, educated sales team on new product

Senior Partnership Manager (Freelance)

Booking.com
Led introduction of online payments in India and managed RFP process

Marketplace Payment Consultant and Analyst (Freelance)

OBI
Defined and designed marketplace payments solution, consulted internal payment teams, designed marketplace payments and financial reporting processes

Payments & Fraud Consultant (Freelance)

Dublin Airport Authority
Assessed existing payments organization and operational model, suggested improvements and generated business assessment report, consulted DAA management on future of payments

Product Manager Payments (Freelance)

Wunderman Thompson Commerce
Defined payment strategy, led payment service provider selection RFP, defined and designed payments business solution, designed payments system landscape and processes

Project Manager Subscription & Billing (Freelance)

Axel Springer
Led and ran RFP process to select Subscription and Billing Management provider, drafted all Subscription and Billing Management product requirements

Payments Consultant (Freelance)

Mercedes pay
Assessed future landscape of Mercedes pay unified payment layer, conducted reviews of existing payment solutions setups and processes, revised and documented payment methods integration processes

Marketplace Payment Consultant (Freelance)

Riverty
Conducted feasibility study for Riverty to offer payment and financial marketplace solution as service and act as PayFac, conducted market research of existing marketplace solutions

Director Omnichannel Payment and SAP Consultancy

adidas, Herzogenaurach
Led chapter of 40 payment and SAP consultants handling over 10 billion euros in sales volume, developed and executed payment system strategy, contributed to organizational transition to product-led operating model

Director Omnichannel Payments and O2C

adidas, Herzogenaurach
Built global payments tech organization overseeing strategy, delivery and operations, led payments orchestration product to improve accounting workflow automation, crafted and executed payment technology strategy

Senior Payments Consultant

adidas, Herzogenaurach
Led efforts to optimize payment and fraud processes, collaborated across teams to streamline payment operations, analyzed payment data for process improvements, designed new payment technologies and systems

Consultant Retail Technology & Innovation

adidas, Herzogenaurach
Consultant for new in-store technologies to enhance consumer experience, led research and introduction of mobile devices and digital solutions, managed rollout of network concept for PCI compliance

IT Consultant

adidas, Dubai
Led technical POS and ERP rollout across 300 stores in 8 countries, coordinated regional rollout of POS solutions, ensured seamless operations and high availability

Zertifikate

Stripe Certified Associate Architect

Stripe

2026

Stripe Professional Payments Architect

Stripe

2026

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