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Malt Strategy
Katy OsbornKO

Katy Osborn

Product Manager: Billing Pay, Fraud, Identity

€445/day
1 project
Girona, ES
8-15 years
Technical project management
Product management
Strategic planning
Product Strategy
product owner

Average response time: 1 hour

About Katy

Summary: Remote, full-time. Open to occasional travel. 14-day notice period.

Introduction
Dynamic and results-driven product and project management professional with a strong focus on Fintech, payment orchestration, authentication architecture, and AI-driven solutions. Proven expertise in building scalable products and processes that drive growth and expand into new markets, particularly in fintech. Certified Scrum Master and PRINCE-2 Certified Project Manager

*Please view my YouTube channel, where I answer common product questions & my portfolio, which are linked in the ' certificates' section below.*


Expertise
- Fintech & Payments
Crafted payment strategies for Banking-as-a-Service (BaaS) and global expansion, specialising in financial systems, integrations, and compliance (GDPR, SOC2).

- Authentication, Authorization & Security
Designed secure authentication and authorisation models, boosting user adoption. Delivered fraud prevention systems ensuring KYC, KYB, and AML compliance.

- AI, Natural Language Understanding & Machine Learning
Applied AI for dynamic pricing, fraud detection, and better user experiences.
Enhanced NLU systems for multilingual rollouts, improving data use and cutting costs.
Deployed machine learning models to optimise financial insights and operations.

- Pricing & Revenue Optimization
Developed predictive pricing algorithms, dynamic models, and tiered strategies, driving revenue growth and improving user acquisition.

- Technical Product Management
Built API-first architectures (RESTful APIs, microservices) and scalable solutions, including authentication systems (SSO, SAML, OIDC) and fraud prevention frameworks (KYC, KYB, AML).


Education
MA Politics — University of Edinburgh, 2012
Scrum Master & PRINCE2 Certifications, 2019
B1 Spanish proficiency

Core Values
User-centric innovation
Data-driven decision-making
Collaborative, action-oriented
Banking and Financial Services
Consulting and Audits
Digital and IT Services
Digital Business Models
HR Services

  • English

    Native or bilingual

  • Spanish

    Conversational

Remote only
Primarily works remotely

Experience

  • REMOTE
    Sr Product Manager (Contractor/ Consultant) - Billing, Payments & Pricing - Fintech Group
    TECH
    July 2024 - Today (1 year and 11 months)
    Granada, Spain
    Fintech in HRIS — Billing, Payments & Pricing

    • Delivered a scalable, GDPR-compliant payment and billing orchestration framework, enabling seamless provisioning, billing, and global payment operations for enterprise clients.
    • Centralized multi-entity billing systems across jurisdictions, integrating multiple payment service providers (PSPs) to achieve worldwide pay-in/pay-out coverage and improve compliance by 30%.
    • Designed tailored pricing strategies for underserved regions and developed bundled models, increasing adoption by 15% and boosting engagement by 18%.
    • Implemented workflows for dynamic routing, payment tracking, and subscription models, enhancing operational efficiency and scalability.




    infrastructure project manager IT Architecture Orchestration Technical project management Technical specifications Technical testing Regulatory Frameworks GDPR SOC2 Enterprise-Ready Scaling Product management product owner Product Development Product Agnostic Global Pay In - Pay Out Dynamic Routing Payment Tracking PSP Revenue Management Business model artificial intelligence Project owner
  • Oyster
    Product Lead: Identity, Security, Access Management
    TECH
    June 2023 - July 2024 (1 year and 2 months)
    Granada, Spain
    Authentication, Fraud Prevention & Fintech HRIS

    • Led the development of scalable authentication systems, including SSO, SAML, and OIDC, unlocking $40M in growth opportunities across key markets.
    • Implemented advanced KYC and AML solutions to combat fraud, reducing annual fraud losses by $2M and enhancing trust.
    • Streamlined multi-entity data management processes, cutting onboarding times by 25% and improving user experience.
    • Designed predictive pricing models and anomaly detection frameworks to improve security and operational workflows.
    HRIS Fintech ATS HR Director Authentication Authorization SSO SAML OICD KYC AML Multi-Entity Fraud Loss Cost Reduction Pricing strategy Revenue Management Business analysis Business model Product management Corporate strategy Strategic planning Positioning strategy product owner Product Development artificial intelligence
  • INTERGIRO
    Product Lead: Ledger & Core Banking (Contract)
    TECH
    January 2023 - July 2023 (6 months)
    Granada, Spain
    Fintech Infrastructure — Payment Processing & Treasury
    • Streamlined SEPA and SWIFT payment operations, reducing processing time by 30% and improving reconciliation accuracy by 75%.
    • Established a robust risk monitoring framework, decreasing fraud incidents by 40% and bolstering security measures.
    • Designed and implemented a safeguarding strategy with the RIX/Swedish clearing house, ensuring compliance and operational efficiency.
    • Integrated FX risk management and hedging systems for dynamic treasury workflows.
    Payment Processing payroll administrator Treasury Management SEPA Swift SWIFT Payments Reconciliation Reconciliation Accuracy FX Risk Management FX Risk Management Hedging System Clearing House Operations RIX (Swedish Clearing House) RIX Risk Monitoring Framework Fraud Prevention Payment Operations Optimization infrastructure project manager software architect Dynamic Treasury Workflows Financial Systems Integration Compliance Management Finance sector Administrative and Financial Manager Product management product owner Product Development artificial intelligence
Check out Katy's experience

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Education

  • Ma Politics
    University of Edinburgh
    2012

Certifications

Katy's certifications are only visible to Malt Community members

Skill set

Roadmapping
User Stories and Technical Specifications
Delivery Management
A/B Testing
Customer Journey
User Feedback Analysis
Prince 2
User Research
Agile method
Product Launch Strategy
Market-Sizing and Growth Trend Analysis
Product Market Fit
Regulatory Strategy
Growth Strategy
Backlog Refinement
Prioritization (RICE, MosCow...)
Feature Definition
Wireframing and Prototyping
KPIs and Metric Definition and Monitoring
Exploratory Data Analysis
Mobile App Deployment
External API integration
Software Architecture
Product Development
Product
User Experience Journey Mapping
Market Positioning
AI and Advanced Analytics
User Testing
infrastructure project manager
IT Architecture
Orchestration
Technical specifications
Technical testing
Regulatory Frameworks
GDPR
SOC2
Enterprise-Ready
Scaling
Product Agnostic
Global Pay In - Pay Out
Dynamic Routing
Payment Tracking
PSP
Revenue Management
Business model
artificial intelligence
Project owner
HRIS
Fintech
ATS
HR Director
Authentication
Authorization
SSO
SAML
OICD
KYC
AML
Multi-Entity
Fraud Loss
Cost Reduction
Pricing strategy
Business analysis
Corporate strategy
Positioning strategy
Payment Processing
payroll administrator
Treasury Management
SEPA
Swift
SWIFT Payments
Reconciliation
Reconciliation Accuracy
FX Risk Management
FX
Risk Management
Hedging System
Clearing House Operations
RIX (Swedish Clearing House)
RIX
Risk Monitoring Framework
Fraud Prevention
Payment Operations Optimization
software architect
Dynamic Treasury Workflows
Financial Systems Integration
Compliance Management
Finance sector
Administrative and Financial Manager
ACH
Payment
Unified Billing Systems
Usage-Based Pricing
Tax Compliance
Regional Tax Regulations
Digital Transformation
Pricing Model Automation
Audit Compliance
Customer Flexibility Strategies
Billing System Optimization
Operational Cost Reduction
Growth hacking
Microservices
Financial Reporting
accountant
management accounting
SAAS
BaaS
Banking as Service
Mobile Payments
Mobile first
Mobile development
Mobile application
Mobile Design
Expense Management SaaS
Digital Wallets
Google Pay Setup
Tokenisation
Tokenization
Virtual Cards
Payment Provisioning
Biometric Authentication
3DS Verification
Secure Payment Systems
Mobile App Security
Ticketing
Customer Loyalty/ Retention
Segment
Scalable Solutions
Machine learning
Monetisation
Monetization
0-to-1 Product Development
Chrome Extension Development
Application Tracking Tools
Business development
Business Unit Launch
Revenue Projection
Greenfield
Partnerships
platform
Engagement
Data analysis
Market analysis
Event-driven architecture
Continuous integration
API
A/B Testing
UX Writing
BigQuery
Optimus
Amazon Web Services
Conversion Rate
Retention
Internet of things
Natural Language Understanding
Project Management
ETL
Natural Language Understanding NLU
Natural Language Processing (NLP)
Language Expansion
Big Data
Data science
Data Utalisaton
Predictive Modelling
Advertising
Pay Per Click Advertising
Projet Management
programmatic
Beta testing
Functional testing
User Testing
Commercial strategy
Play framework

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