I lead SIBS Romania & ROMCARD to innovate and transform the digital payment landscape. We are the biggest processing center in CEE. My role encompasses strategic leadership, driving business growth, and ensuring the delivery of reliable and secure payment solutions while capitalizing on internal structures. I am committed to fostering a culture of trust, reliance, teamwork, and commitment within the organization to achieve outstanding results and set new standards in the industry,

https://apero.ro/

We specialize in cutting-edge IT development tailored exclusively for the fintech industry. With a keen focus on innovation, security, and scalability, our mission is to empower fintech companies from Web 3 to excel in a rapidly evolving digital landscape with a keen eye on regulatory, operations & tech.The cofounders bring 55 years of experience in banking & fintechs. What Sets Us Apart:Expertise in Fintech: Our dedicated team of IT professionals brings deep industry knowledge and technical expertise to deliver solutions that meet the unique challenges and opportunities of the FinTech sector.Customized Solutions: From blockchain technology to AI-driven analytics, we provide a wide range of IT services designed to enhance efficiency, improve customer experience, and drive growth for fintech businesses.Security at the Core: Understanding the critical importance of data security and compliance in finance, we ensure the highest standards of security protocols and practices in every project we undertake.Scalable and Agile: Our agile methodology allows us to develop and deploy scalable IT solutions that adapt to your growing business needs, ensuring you stay ahead in the competitive fintech marketplace.

Responsible for overseeing the license application process for SeifMoney in Romania. SeifMoney stands out in the financial services sector for its commitment to facilitating rapid, secure, and cost-effective money transfers, empowering businesses to scale both locally and globally. Our core mission is to be more than just another money transfer platform; we aim to be a partner in success for our clients, leveraging our team's extensive expertise and our fully digital services to unlock global opportunities​​.Our team comprises dedicated tech enthusiasts and financial experts, each bringing valuable experience from some of the largest global financial markets. Together, we're focused on making financial transactions seamless across borders while prioritizing the financial security of our users​​.

As the CEO of Twispay, a leading e-money financial institution regulated by The National Bank of Romania, I drive strategic initiatives in the dynamic landscape of digital finance. I oversee all operations as an acquirer, payment gateway, and card issuer. Currently, I have finished the launch of the innovative xPortal Mastercard debit card and e-money account positioned as an embedded finance solution for MultiversX. The first crypto-to-fiat-enabled card fully regulated and approved product in the regional market. 20 years of financial industry experience, fully self-reliant working with large player actors like Visa and Mastercard and regulatory bodies. Approved by the National Bank after all due diligence processes to represent and oversee a tier 1 e-money institution

As the Chief Operating Officer at Twispay, I orchestrate the seamless integration of our roles as an Acquirer and a Payment Gateway, specializing in cutting-edge payment processing solutions as a principal member of MasterCard and PF/PSP for VISA. Additionally, I spearhead a comprehensive second line of business, overseeing e-money issuance, e-wallet development/release, and Mastercard issuing.Notably, within a concise timeframe of four years, achieved a significant elevation in the company's valuation to 52.2 million EUR. This accomplishment underscores my strategic acumen and ability to drive substantial organizational advancement.Key Responsibilities:- Operational Leadership: Directing the daily operations of the company, I provide strategic oversight to key departments including IT, Operations, Risk, Compliance, Accounting, and Sales.- Compliance Expertise: Leading efforts in KYC, AML, and compliance regulations, I ensure that Twispay operates at the highest standards of legal and regulatory compliance.- Strategic Planning: Designing and implementing robust business strategies, plans, and procedures, I set comprehensive goals for performance and growth, ensuring alignment with organizational objectives.- Cultural Development: Establishing policies that promote the company culture and vision, I foster an environment that encourages innovation, collaboration, and excellence.- Team Leadership: Leading a high-performing team, I inspire dedication and excellence, evaluating performance through data analysis and interpretation of key metrics.- Reporting and Communication: Regularly providing comprehensive reports to the owners on matters of strategic importance, I facilitate informed decision-making at the executive level.- Stakeholder Management: Managing relationships with partners, vendors, and regulatory authorities, I uphold Twispay's reputation as a trusted and reliable industry player.

**Orchestrated the expansion of the Cards Acceptance Division, overseeing departments such as Acceptance Network Development, Relationship Management, and Technical Support, with a notable accomplishment of launching the Alpha Shop card loyalty program.****Ensured national-level budgetary success, achieving targets in coverage, turnover, gross, and net commission income.****Led impactful projects for the Acquiring Business, including innovative collaborations within the POS network and loyalty integration with merchants, significantly contributing to the Bank's success.**Fostered seamless collaboration with internal departments (PMO, IT, Risk, Marketing, Legal, Procurement, and Operations) to optimize Acquiring business operations.Responsibilities:**Directed quantitative and qualitative objectives for the Acquiring Business, actively contributing to divisional growth.**Prioritized professional development for the Acquiring team and network staff through continuous feedback, training, and coaching.**Proactively monitored economic environments and competition, adapting acquiring offers accordingly.**Provided strategic advice based on the credit card portfolio, influencing the design and advertisement of offers for cardholders.**Managed internal procedures related to acquiring activities, overseeing new product testing/launching, and spearheading project management initiatives.**Demonstrated leadership in staffing and mentoring, ensuring a high-performing and cohesive team.

Key Responsibilities:Team Leadership:Managed a high-performing Direct Sales Team consisting of 5 Regional Acquiring Managers overseeing over 100 Branch network units.Strategic Design:Designed an optimized business model aimed at maximizing output from the Direct Sales Team (DSA).Monitoring Systems:Developed comprehensive and effective monitoring systems for both the business/volumes aspect and quality metrics within the DSA.Training and Documentation:Designed and deployed tailored training manuals, forms, and documentation, enhancing DSA effectiveness.Innovative Initiatives:Spearheaded the design, support, and implementation of new business initiatives.Performance Control:Monitored, controlled, and communicated progress within the Direct Sales Team.Continuous Improvement:Led efforts to continuously enhance productivity and efficiency, maintaining a vigilant focus on costs and expenses reduction.Achievements:Successfully implemented strategies resulting in improved efficiency and cost reduction within the Direct Sales Team.Designed and executed training materials that significantly enhanced the effectiveness of the DSA.Led the development of innovative business initiatives contributing to overall company growth.

• Maintaining and developing the business relationship of the organization with the strategic partner merchants (Mediagalaxy, Mobexpert, Carturesti, Intersport, etc ) for the Point of Sale Financing and Cards Issuing/Acquiring activities• In charge of all marketing related activities for the Point of Sale Financing activities• Acquiring new strategic accounts for the Organization• Responsible for the budget achievement of the managed accounts (~30% from the organization’s turnover)• Constantly hiring, training and coaching the DS team members and regional coordinatorsAchievements : over 54% increase in turnover for Alpha Bank Acuiring

Coordinating, supervising and setting up an alternative sales channel network focused on targeting the auto loan market segment. Draft and creating the workflows for an outsourced network composed of auto dealers (nationwide set-up) Responsibilities: Management activities- Enrolling and training an entire alternative sales network- Staffing, mentoring and mentoring a sales team of 6 KAM - Coordinating network of auto dealers- Coordinating, scheduling, tracking of contracts and results-Negotiation of Key Account Merchants;- Presale and sales activities- Problem solving: technical and commercialThrough the alternative sales network composed of auto dealers, I have achieved to have a 98% quota of all auto loan contracts of the Bank. The retail network composed of 168 branches/agencies had the other 2% quoata.

* Maintaining and developing relationships with existing customers in person and via telephone calls and emails; * Cold calling to arrange meetings with potential customers to prospect for new business; * Negotiating the terms of an agreement and closing sales; * Negotiating on price, costs, delivery and specifications with buyers and managers;* Making accurate, rapid cost calculations and providing customers with quotations

*Answer phones and respond to customer requests. *Sell product and place customer orders in computer system. *Provide customers with product and service information. *Upsell products and services. Identify, research, and resolve customer issues using the computer system. Provide on-the-job training for new employees

*Insert customer and account data by inputting text based and numerical information from source documents within time limits*Compile, verify accuracy and sort information according to priorities to prepare source data for computer entry*Review data for deficiencies or errors, correct any incompatibilities if possible and check output*Research and obtain further information for incomplete documents*Apply data program techniques and procedures*Generate reports, store completed work in designated locations and perform backup operations

*Perform daily system monitoring, verifying the integrity and availability of all hardware, server resources, systems and key processes, reviewing system and application logs, and verifying completion of scheduled jobs such as backups. *Repair and recover from hardware or software failures