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      Z.Arzu Kutlu
      Founder & Executive Consultant at 360D Consultancy (360D Danışmanlık)
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      Current
      BKM BANKALAR ARASI KART MERKEZI (INTERBANK CARD CENTER OF TURKEY), 360D Consultancy, BKM BANKALAR ARASI KART MERKEZI (INTERBANK CARD CENTER OF TURKEY)
      Education
      Istanbul University, Ankara Lisesi
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      • Background
      • Solutions

      Background

      Summary

      Accomplished payment systems professional with experience in world’s largest financial institutions with over 25 years of experience and profound international card schemes expertise. Proven success in business growth, strategy building, business line optimization, new business generation, product and process development. Recognized ability of relation management. Established team leader.
      And now Executive Consultant.

      Experience

      Consultant
      · BKM BANKALAR ARASI KART MERKEZI (INTERBANK CARD CENTER OF TURKEY) - Oct 2016 - Present (7 years)
      Founder
      · 360D Consultancy - Oct 2016 - Present (7 years)
      360D Consultancy delivers wide know how about payments.
      Senior Vice President, Payment Platforms Management & Regulations
      · BKM BANKALAR ARASI KART MERKEZI (INTERBANK CARD CENTER OF TURKEY) - Feb 2014 - Present (9 years)
      - Member of founding team of Turkey's National Payment System "TROY" Project – Managing Rules & Regulations, providing insight for strategic matters.
      - Management of the payment platforms (Switch, Clearing & Settlement, Central Databases, 3D Secure, NFC Solutions)
      - Contributing to rules and standards of the BKM products
      - Improving, pricing of the BKM's payment system products defining business model according to member needs and international competition conditions.
      - Evaluating efficiency and qualification of compliance procedures.
      - Supporting the member banks about international card schemes and domestic card regulations
      - Evaluating the new products and new product features to find out their impacts to actual card payments rules and providing feedback to the related parties, and developing new rules if necessary.
      - Following domestic legislation, evaluating possible impacts to actual card payments rules and providing feedback to the related committees and board of BKM for revisions of domestic rules.
      - Controlling market's adaptation to domestic rules.
      - Member of Arbitration Committee
      - Representing the Company in payment systems related committees and councils.
      Vice President, Payment Platforms Product Management
      · BKM BANKALAR ARASI KART MERKEZI (INTERBANK CARD CENTER OF TURKEY) - May 2011 - Feb 2014 (3 years)
      - Management of the payment products
      - Contributing to rules and standards of the products
      - Improving, pricing of the payment system products defining business model according to member needs and international competition conditions.
      - Managing member information meetings and bulletins about product rules and standards
      - Evaluating efficiency and qualification of compliance procedures
      - Composing campaign suggestions, market research needs to provide awareness and usage of the payment products and executes related plans
      - Being member of Arbitration Committee of Turkey and organizing the committee for Arbitration & Compliance applications.
      - Representing the Company in technical committees and councils.
      Rules & MIS Manager
      · BKM Bankalar Arası Kart Merkezi (Interbank Card Center of Turkey) - Oct 2007 - May 2011 (4 years)
      - Planning projects and evaluating member needs to provide improvement on card business sector
      - Supporting the member banks about international card schemes and domestic card regulations
      - Following domestic legislation, evaluating possible impacts to actual card payments rules and providing feedback to the related committees and board of BKM for revisions of domestic rules.
      - Managing projects to provide solutions to the common problems and developing the rules and standards of credit and debit cards in Turkey, within the card payment system.
      - Adopting the market to Visa / MasterCard and domestic rules
      - Being member of Arbitration Committee of Turkey and responsible to organize the committee for member’s Arbitration & Compliance applications.
      - Managing MIS
      - Projects worked on:
      Card to Card Money Send Project
      BKM Acquiring Projects (Transit, e-government)
      ATM Debit Card Sharing and related projects
      MIS Based Projects
      Credit Cards & Debit Cards Domestic Data Standardization
      Chargeback Document Management System
      Manager
      · HSBC Bank Turkey - May 2006 - Oct 2007 (1 year)
      May 2006 - October 2007
      - Customer Services Back Offices (Financial Adjustments) and Dispute Resolution (Chargeback) Departments Managerial responsibility.
      - Card Related Campaigns Bonus Parameter Management
      - Leadership of Card Projects Related Card Interest, Bonus Structure, Chargeback, Clearing & Settlement.

      November 2001 - May 2006 (Credit Card Operations / Assistant Manager)
      - Dispute Resolution (Chargeback) Department Managerial responsibility.
      - Six Sigma Projects Member to reduce operational costs by operation process analysis.
      - Leader of credit cards related projects’ dispute (chargeback) and settlement side on designing and testing.
      - Member in Due Diligence studies of Benkar (Advantage Project) Credit Card Departments
      - Projects worked on:
      * Benkar Mass Conversion
      * EMV Chip Issuing & Acquiring
      * New Turkish Lira Conversion
      * IPM (MasterCard) clearing system
      * New product establishment
      * Chargeback and Reconciliation Module
      Credit Card Dispute Resolution and Chargeback / Supervisor
      · Demirbank T.A.Ş. - May 1998 - Nov 2001 (3 years)
      - Manage all dispute cycles, communication with cardholders on this subject.
      - Member of AKK
      - Banksoft Conversion Project
      Chargeback Specialist
      · Kocbank - Oct 1996 - Apr 1998 (2 years)
      In charge of all domestic, international dispute resolution (Visa, MasterCard, Diners Club International)
      Customer Relations
      · American Express Int. Inc. - Jul 1992 - Sep 1996 (4 years)

      Education

      Istanbul University - (1990 - 1996)
      · Economics
      Degree
      Bachelor Degree
      Ankara Lisesi - (1986 - 1989)
      Degree
      High School

      Language

      Türkçe
      Proficiency
      Native Or Bilingual
      English
      Proficiency
      Full Working

      Skills

      Banking
      Business Analysis
      Business Development
      Credit Cards
      Credit Risk
      Debit Cards
      Electronic Payments
      Financial Risk
      Fintech
      Internet Banking
      Mobile Payments
      Payment Systems
      Regtech
      Retail Banking
      Strategy

      Solutions

      Ödeme Sistemlerinde Ürün Geliştirme
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      Z.Arzu Kutlu

      Product Development on Payment Systems
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      Z.Arzu Kutlu

      Global
      Consult on Mindturtle
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