FLORIANNE AGATHE

PRODUCT BUILDER • PROBLEM SOLVER • CONTINUOUS INNOVATOR
"Transforming pain points into digital growth – driving innovation, operational excellence, and customer-centric impact."
Industry Exposure: Payment, Banking, Insurance, Healthcare, Physical Asset Maintenance Management | Global Span: Central Europe, Middle East, and Africa (CEMEA) and Asia Pacific (APAC) region

EXECUTIVE SUMMARY

  • Results-driven Senior Product & Solutions Manager with 20+ years’ experience in payments, digital banking and financial infrastructure across APAC and CEMEA.
  • Proven success in launching scalable digital payment ecosystems, network tokenization frameworks, and API-driven financial products.
  • Recognized for expertise in payment tokenization frameworks, cross-border and domestic payment architecture and orchestration, optimizing operational efficiency, enabling growth in CIF, Instant Issuance, driving payment transaction volume growth by 30%-40%.
  • A data-driven and people-focused leader who unites technical depth with commercial acumen to deliver secure, user-centric, and revenue-generating solutions in complex, regulated markets.
  • Experience designing credit bureau data models, scoring logic inputs, and multi-source data pipelines across Central Banks and regulated institutions.

SELECTED ACHIEVEMENTS

  • Delivered 55%-70% monthly revenue growth above targets for Visa Certification services while maintaining 95-100% client satisfaction.
  • Launched xPay and Issuer Wallet solutions for 50 APAC issuers across 17 markets within 17 months, boosted transaction volume and authorization rates by 10-30%, reduced decline rates and increased transaction security, building consumer trust in financial institutions and payment ecosystems.
  • Directed Visa’s first global Wallet Extension Provisioning, cutting integration time by 25% and setting new implementation benchmarks.
  • Reduced APAC client onboarding time by 50% through digital enrolment transformation.
  • Conceptualized 9 new revenue-generating API-based products.

PROFESSIONAL EXPERIENCE

Technical Product Builder, Personal & Professional Sabbatical
Mauritius · Mar 2025 – Present
Objective: Continue professional development while managing family responsibilities. Ready for full-time work and relocation.
  • Expand Product Management experience by getting certified in Product Management.
  • Apply newly acquired skills to solve two real-world problems. [In progress]
  • Build and curate a digital presence.[Evergreen]
  • Explore Web3 technologies with a focus on how blockchain, tokenization and digital assets can complement traditional payment rails. [In progress]
  • Assess the financial and regulatory landscape of Mauritius to understand regional readiness for digital payments and emerging financial technologies.[In progress]
Selected Achievements:
Senior Product Manager, Consumer Solutions – Modern Credentials Team
Visa Inc, Singapore · May 2024 – Dec 2024
  • API Orchestration: Reviewing APIs on Visa Developer Center and finding ways to orchestrate them to create new products.
  • Visa Transaction Control: Supporting the adoption of Visa Transaction Control (VTC) across APAC as the new Product Owner.
  • Visa Flexible Credential: Managing the technical aspects of GTM activities of Visa Flexible Credential (VFC) for Asia Pacific.
Selected Achievements:
  • Conceptualised 9 innovative products to open future revenue streams.
  • Distilled 6 high level requirements for Visa Transaction Controls (VTC) to support go/no-go senior management’s decision.
  • Reduced client-onboarding time by 50% through automation of digital enrolment workflows.
More info →
Solutions Manager, CS Solutions and Architecture Team
Visa Inc, Singapore · Dec 2022 – May 2024
  • xPay1 wallets and network tokenization implementations: Managing discovery, solutioning, implementation, testing, troubleshooting, launch and post‑launch support.
  • Program Management of Push Provisioning in APAC: Driving adoption of Visa Digital Enablement SDK usage via Issuer’s Mobile Banking app.
  • Stakeholder’s engagements: Delivering knowledge sharing sessions.
  • Mentoring new recruits: Coaching new recruits on xPay wallet implementations.
Selected Achievements:
  • Spearheaded APAC’s 1st OBO (On‑Behalf‑Of) project via Apple Partner Hub, setting new benchmarks for Apple Pay implementations.
  • Directed the implementation of the world’s 1st Wallet Extension Provisioning through Visa Digital Enablement (VDE) SDK 4.1, cut integration time by 25% and set a new benchmark.
  • Led the successful launch of xPay wallets, Issuer wallets and Network token implementation projects for 50 issuers across Asia Pacific within 17 months, driving growth in transaction and payment volumes by > 70%, accelerating instant card issuance by 60% and enhancing customer experience by 80%.
  • Implemented and launched 3 HCE Issuer wallets serving > 2M users across 3 markets where 3rd party wallets are not supported by major wallet providers, enhancing digital payment capability by 30%.
  • Enabled AP Issuers to use network token and digital authentication frameworks, driving ecosystem readiness to reduce CNP fraud rates.
  • Delivered knowledge sharing webinars to 300+ participants across APAC markets and earning > 95% stakeholders’ satisfaction.
  • Empowered 3 new recruits through structured mentorship, fostering skill growth and confidence that lead to above‑standard project delivery.
More info →
Senior Staff Software Test Engineer, Global Client Testing (GCT CEMEA) Team
Visa Inc, Singapore · Sept 2013 – Nov 2022
  • Terminal testing (ADVT, CDET) and Card Personalization validation for Issuer’s card products including biometric cards.
  • Acquirer and Issuer Host Certification for compliance with ISO Standards and Visa’s Mandates for all payment services.
  • API Services certification for supporting Money movements, QR-code payments and Payment Tokenization Frameworks.
  • Certifying Acquirer’s and issuer’s back-office processing of Disputes and Resolutions in compliance with Visa’s Rules and Mandates.
  • Identifying testing process improvements and delivering solutions.
Selected Achievements:
  • Conducted high-impact certification sessions in the Certification Environment (VCMS) with issuers, acquirers, and processors in CEMEA.
  • Exceeded revenue targets by 45-70% monthly, maintaining 95-100% client satisfaction.
  • Conducted end-to-end certifications for all digital wallets for all Pays, Issuer Wallets, and Wearables scaling digital payment growth by 50-65%.
  • Built SME-level knowledge in Visa’s CORE and CONFIG configuration platform for payment cards, tokenisation, authorizations and back-office services.
  • Authored user manuals and QRGs to drive adoption of the new self-service testing platform by 55%.
  • Troubleshooted payment transaction issues in VCMS using a suite of internal tools reducing occurrence of production errors by 98.5%.
More info →
Senior IT Business Analyst, Internet Banking
DBS Bank, Singapore · Apr 2012 – Sept 2013
  • Delivered Internet Banking enhancements for Taiwan, improving digital engagement and compliance.
More info →
IT Business Analyst, Global Collections and Fraud COE
Citibank NA, Singapore · Oct 2011 – Apr 2012
  • Provided Product enhancement support for Collections Systems (CACS).
More info →
Business Analyst, Financial Infrastructure and Credit Bureau
Dun & Bradstreet, Dubai, UAE · Apr 2010 – Sept 2011
Selected Achievements:
  • Partnered with Central Banks in Qatar, Oman, Algeria, Nigeria, Egypt, Maldives, Nepal and Tajikistan to define credit bureau data models, scoring logic inputs, and regulatory compliance requirements.
  • Supported pre-sales engagements by designing CBMS workflows, preparing RFP responses, and presenting technical solution components to Central Banks.
  • Gathered and refined user requirements, enabling customization of bureau modules for data ingestion, validation, deduplication, reporting, and decisioning pipelines.
  • Collaborated with engineering teams to map multi-source data feeds (banks, NBFIs, telcos, insurers), contributing to high-volume integration pipelines used for credit reporting.
  • Enabled Central Banks to establish unified national credit repositories, improving risk assessment, loan approval accuracy, and market transparency.
More info →
Business Analyst, .NET Team
Crédit Agricole CIB, Singapore · Sept 2009 – Mar 2010
  • Delivered a Performance Management System.
More info →
Business Analyst / Project Manager
Citibank NA, Singapore · Aug 2005 – Sept 2009
  • Delivered process re‑engineering projects across APAC.
More info →
Programmer
INET, Singapore · May 2005 – Jun 2005
  • Provided website maintenance services.
More info →
IT Executive
Global Network Unlimited, Singapore · Jun 2004 – Feb 2005
  • Delivered website and eCommerce enhancements for SME clients, improving their digital presence and online transaction capabilities.
More info →
IT Executive
AIA – Terene Seow Agency, Singapore · Dec 2003 – Jun 2004
  • Digitised manual policy management and launched a web application.
More info →

ACADEMIC CREDENTIALS

  • Blockchain Course - University at Bufalo (UB) [In progress]
  • IBM Data Science Professional Certificate [In progress]
  • ChatGPT for Web Design - Create Amazing Websites — Coursera, Nov 2025
  • Vibe Coding with Replit — Datacamp, Nov 2025
  • Product Management Professional — Singapore Management University (SMU), Apr–Aug 2025
  • Payment Everywhere Certified Professional — Visa University, Singapore — Jul 2019
  • Bachelor’s degree in Computing — National University of Singapore (NUS), Singapore — Aug 2002

TECHNICAL & ANALYTICAL PROFICIENCY

Payment & Banking Standards:
  • Dissecting card personalization data, terminal communications, ISO 8583 payment messages for all types of entry modes
  • Dissecting clearing and settlement files.
  • Dissecting REST payment APIs and orchestration interfaces for root-cause analysis in real-time using a suite of tools such as Splunk, Transaction Logs, Vital Signs, VBA parsers etc.
Data Analytics:
  • Data extraction from reporting platforms, transformation and validation against technical specs; reporting findings to acquirers, issuers, processors.
UI/UX & Product Development:
  • Figma, HTML, CSS, PHP, JavaScript, SQL, Low‑code/No‑code, Adobe Creative Cloud, Atlassian Jira & Confluence.
Emerging Tech & Innovation:
  • AI & tools, Payment Enablers Integrations, REST APIs, Payment Tokenization.

PERSONAL DOSSIER

Languages:
  • English and French (native/bilingual)
Current Location:
  • Mauritius, open to relocation and available for onsite, hybrid and remote opportunities.

1 xPay refers to mobile wallet payment implementations (e.g., Apple Pay, Google Pay, Samsung Pay).