MICKAEL LERAT

Served as single-threaded product owner across card issuing, digital enablement, and onboarding infrastructure, scaling adoption by 12% YoY across 200,000+ accounts. Spearheaded multi-system portfolio migration from HSBC to RBC, authored business requirements, and managed a roadmap spanning 150 Agile sprints.

Directed product development for core financial tools, vendor integrations, and real-time risk check infrastructure. Architected a core administrative platform from scratch, reducing support tickets by 30%, and integrated Fiserv processor event streams with Broadcom risk engines to cut false-positive fraud declines by 75%.

Created and spearheaded the Canadian Western Region and Global Banking market strategy for commercial cards, driving a 15% increase in card deals across a 1000+ client portfolio. Built the regional commercialization framework from scratch, enabling ~30 enterprise card deals generating $200k in net-new revenue.

Orchestrated daily interactions with cross-functional stakeholders to enhance departmental quality through development of training materials and quality assurance protocols for a high-value English and French client portfolio. Authored administrative technical manuals for Fiserv Client360 core processors and managed high-volume case queues within Global Liquidity and Cash Management.

Managed an average of 200 files per month about financial crime, regulatory compliance risk analysis, and sanctions related queries for commercial clients, ensuring relevance on risk management in case of audit.

Managed onboarding of commercial client accounts, consistently processing and approving 35 files per month while ensuring compliance and timely account setup.

Master's Degree in Management with a minor in SMEs from the University of IAE Rouen, France.

Bachelor's Degree in Sales and Economics from the University of IUT Rouen, France.

Completed an introductory course on machine learning and artificial intelligence.

Completed a course in data analytics and machine learning.