Sofia Zaffari

Own end-to-end delivery of card issuing programmes across Europe including scheme certification and compliance (Visa/Mastercard), issuer processor and BIN sponsor integrations, and digital wallet launches (Apple Pay, Google Pay). Lead cross-functional delivery across product, engineering, compliance and external partners from scoping through go-live. Primary interface to schemes, processors and BIN sponsors on programme design, requirements and certification.

Owned relationships with strategic co-brand and embedded-finance partners across Europe. Scaled partnership onboarding workflow, introducing structured implementation checklists and alignment meetings that cut onboarding time by 30 %. Collaborated with Payment Ops and Tech to ensure compliance and operational readiness ahead of partner launches.

Managed > 40 startup and SMB clients, guiding them through financial-management setup and product adoption. Drove client retention and expansion by identifying automation gaps and suggesting new payment workflows. Partnered with Product & Engineering to relay customer insights shaping roadmap priorities.

Supported data-driven consulting engagements focused on digital transformation. Conducted process assessments and prepared recommendations presented to senior consultants and client stakeholders.

Provided portfolio and product guidance on Stocks & Shares ISA, Pension, and Investment Accounts. Resolved 50+ daily client queries on onboarding, tax relief, and investment operations while maintaining > 95 % customer satisfaction.

Onboarded API providers to NayaOne’s sandbox and wrote technical documentation to showcase use cases. Assisted in developing a Python model generating synthetic financial data to test APIs’ robustness.

Courses completed: • Strategic Marketing • Strategic Management • Psychology & Business • Accounting • Business Analytics • Decision Science & Operations • Corporate Finance

Some core modules include: • Research Methods and Statistics (including advanced statistics) • Design for human interaction • Biology • Behavioral Neuroscience Methods • Cognitive and Affective Neuroscience

• Higher Level Courses: English Literature, Spanish Language B, Psychology • Standard Level Courses: Mathematics, Mandarin, Environmental Systems and Societies