Senior Advisor, Digital Banking Transformation

Nadia

Digital Banking Transformation & Operational Excellence

Nadia has spent her career at the intersection of banking technology and transformation management. She has led digital transformation programmes at major European banks, bringing a rare combination of deep technical knowledge and commercial pragmatism. Where most advisors produce reports, Nadia delivers executable plans that survive contact with legacy core banking systems, resistant boards, and sceptical CFOs. She is the go-to specialist for banks planning modernisation programmes, evaluating digital banking vendors, or trying to understand why their previous transformation failed.

Areas of Expertise

Digital Banking Transformation

End-to-end transformation planning — from current state assessment through to go-live and realisation of benefits

Core Banking Modernisation

Legacy core banking replacement strategies — strangler fig, API wrapping, cloud migration, and vendor selection

Payments Infrastructure

Real-time payments, SWIFT migration, ISO 20022 adoption, and payment hub architecture for banks modernising their payments stack

AI-Powered Banking Operations

Applying AI to banking operations — KYC automation, credit decisioning, fraud detection, and back-office efficiency

Digital Banking Vendors

Evaluation and selection of digital banking platforms — Mambu, Thought Machine, Temenos, Oracle, and emerging challenger vendors

Transformation Governance

Programme governance, stakeholder management, and change management for large banking transformation projects

Working Style

Technically credible

Speaks the language of engineers and architects — understands core banking systems, API architectures, and cloud migration patterns at a detailed level

Commercially grounded

Every recommendation is tied to measurable business outcomes — cost reduction, revenue growth, or risk improvement

Blunt about failure

Has seen enough failed transformations to be candid about what causes them — and what actually works instead

Structured and methodical

Plans transformations with the precision of a project manager and the strategic view of a consultant

Sample Deliverables

Examples of work Nadia delivers for clients.

Digital Transformation Roadmap

Structured transformation plan for a bank — current state assessment, target architecture, phased implementation roadmap with dependencies, and risk-adjusted timeline.

Core Banking Vendor Evaluation

Side-by-side evaluation of shortlisted core banking platforms against the bank's specific requirements — architecture assessment, TCO projection, implementation risk, and vendor viability analysis.

Payments Modernisation Assessment

Assessment of a bank's payments infrastructure — gap analysis against real-time/multi-rail requirements, migration options, and recommended approach with timeline and cost estimate.

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