Nikita User

Owns scope and requirements for the fiat payments stream of a crypto payments company, including Visa/Mastercard on-ramp and off-ramp, treasury, and liquidity-provider settlement. First flows went live five months after joining.

Took a B2B crypto/fiat payments platform from concept to live operation and scale for European clients, including processing backend, portals, SDK, and integrations. Hired and led a team of five business analysts and established requirements standards.

Provided requirements and solution design for an in-house payments backend of a cross-border payments fintech, built from scratch and integrated with existing systems. Led payment-partner selection including EU banks.

Produced business and functional requirements for five card-processing projects for European bank clients, including 3-D Secure, card issuing, merchant acquiring, and fraud detection. Ran requirements workshops and supported UAT and go-live.

Documented payment business processes for a top-5 bank and designed monitoring scenarios for a payments process-monitoring tool covering half of its payment transactions around the clock.

Led IT transformation of sanctions compliance across cross-border payments, investment management, brokerage, and SME banking. Specified real-time transaction monitoring, fraud detection, and regulatory reporting.

Worked on core-banking to general-ledger integration through accounting-engine middleware, transaction-processing redesign on Alnova, and requirements and vendor selection for a transaction-processing solution at a major financial institution.

Master of Science in Applied Mathematics and Physics.