Flex Manager
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Product/business/technology development manager, IT manager

Product/business/technology development manager, IT manager

Work Experience

Professional experience
Since 1999. Expert commision of FEDERAL FUND of Electronics Development. Moscow, Russia
Expert
With 5 other experts in the field from the leading organizations (payment systems and state bodies) participation on the gratis basis in smart card requirements definition for usage in payment and other card systems in Russia as “Zolotaya korona” representative.

Since 1996. Center of Financial Technologies (http://www.ftc.ru/). Novosibirsk, Russia
Head of smart card technologies department
Responsible for payment card technologies development. Speak at 2-3 finance industry conferences per year, lead 2 to 3 consulting and planning sessions per month. Managing ongoing operations and departement activities.
Organization and/or participation in co-operation and contacts with foreign and russian partners (ChelindBank, SobinBank, SibAkademBank, OmskPSBank, Alfa-bank Novosibirsk, BelonBank etc).
Exploration of cards market and market of banking services and technologies. Elaboration of the interbank system of the “Zolotaya Korona”. Consultant of “Zolotaya Korona” (http://www.korona.net/) - no.2 russian bank card payment system, biggest smart card payment system in Russia. International standards – ISO, EMV, SET, CEC, CEPS, Open Platform etc.
In 1998 participation in company’ reorganization strategy research. Implementation of “strong-matrix” organizational structure (according to terminology of Project Management Institute, www.pmi.org ). Head of one of the core departements – departement of analysis. Reorganization stopped and rolled-back because of August’98 financial crisis in Russia.
Program management: Programs “McCMS – multi-application card management system” and “Mobile commerce. Mobile client – payments and services over-the-air” (for “Zolotaya Korona” payment system). Both programs are at the initial phases (scope and concept definition, feasibility study, strategy design etc.). “Mobile client” program is to be based on GSM, STK and SMS at the first step, then WAP, Bluetooth, CEC. Bank services and payments over the air.
Project management: joint CFT & “Zolotaya Korona” projects “New card and EMV” (R&D, introduction of new smart card platform for “Zolotaya Korona” payment system, 1997-1998), “Multi-application and FAST payment application family” (R&D, introduction of new type payment application, multi-application support in “Zolotaya Korona” payment system, 1999-2000). Responsible for “Sibir Airlines” loyalty system technical development. Responsible for “Moscow City Card” system technical development from CFT’ side. Many other projects. Multiple projects management.
System analysis and design. “Zolotaya Korona” payment and processing schemes. Remote services schemes and technical solutions. Security schemes (including authentication, secure messaging, digital signature, key management, etc) based on private (DES, 3DES) and public (RSA) key cryptography. Fraud detection and fraud prevention. Development of Internet-based payment and remote service solutions using SSL, SET and private specifications. E-commerce.

1993-1995. Siberian Trade Bank. Novosibirsk, Russia
Chief specialist and expert of the department.
Responsible for plastic card technologies development. Organization and participation in co-operation with russian and foreign partners. Exploration of cards market and market of banking services. Elaboration of the interbank card payment system of the “Zolotaya Korona”, including international project for Siberian Trade Bank and DVBank (Germany). Consultations for “Zolotaya Korona” (since official foundation in 1994). Documentation. Programming.
System analysis and design. “Zolotaya Korona” payment, processing, dataflow and security schemes. Remote services schemes and technical solutions. Retail Bank System (Oracle release) security architecture and card modules design.

1992. Microlab Ltd. Novosibirsk, Russia
Programmer
Developing modules for banking system, including remote services via modems. Programming in C, FOXPRO.

1989-1992. Institute of Automatics and Electrometer. Siberian Division of Russian Academy of Sciences. Novosibirsk, Russia
Research Worker
Participation in the working-out of VLSI electronic - beam tester for Russian microelectronics industry. Participation in scanners software elaboration (X-ray scanners). Control programmes construction. Programming in C, Asm.

Participation in public events, except the ones organized by russian bodies (conferences, exhibitions, etc.):
· VISA CEMEA. VISA Smart Path – Moscow, Russia (2000);
· International Smart Card Applications – London, UK (1997);
· Java Card workshop – London, UK (1997);
· Smart Cards – London, UK (1995);
· Cartes – Paris, France (1993).

Longest stays:
· 1 month – Bulgaria (1990), Germany (1989);
· 3 weeks – France (1994), Italy (1994);
· 2 weeks – The Netherlands (1999), UK (1997), Spain (1996);
· Others: France (1999, 1995, 1993), UK (1995), Italy (1995), Bulgaria (1995), Turkey (1995), Ukraine, Kazahstan, Uzbekistan, Kirgizstan.
Publications
1992 - “Microelectronics industry” magazine. “Electronic Beam Tester for VLSI”.
1995 - “CFT News” magazine. “Security architecture of Retail Banking System (Oracle release)”.
1997 - “CFT News” magazine. “New Card and EMV”
1999 - International forum “Payment Cards in Russia” proceedings. “Center of Financial Technologies. Solutions in the field of smart card technologies”
Public speaking
Main events:
2000 – Annual conference “Internet and banks” of “Zolotaya Korona” payment system. Presentation “Perspectives of electronic payment instruments for 2000-2002”.
2000 - CFT seminar. Presentation “Multi-application card and FAST™ payment application family” – Novosibirsk, Russia;
1999 - International forum “Payment cards in Russia”. Presentation “CFT solutions in the field of smart card technologies” – Moscow, Russia;
1999 - Annual conference of “Zolotaya Korona” payment system. Main technical presentation – “Development perspectives” – Novosibirsk, Russia;
1998 - International forum “Payment cards in Russia”. Presentation “Development of smart card technologies. CFT’ sight” – Moscow, Russia;
1996 - CFT seminar. Presentation “Payment instruments. Bank cards versus electronic money” – Novosibirsk, Russia.
Awards and certificates
Main items:
1999 - Diploma “For tremendous contribution in construction, development and prosperity of the biggest russian smart card payment system Zolotaya Korona”;
1987 - Diploma “For conscientious work and active participation in Novosibirsk State University International student campus activity”;
1982 - Diploma “2nd place for regional competition in mathematics”;
1995 - Certificate of Training (GEMPLUS);
1994 - Certificate of Achievement (Verifone);
1994 - Certificate of Achievement (Verifone) – another one.



Education

Education
1984-1989 Novosibirsk State University (No.3 in Russia). Physics Faculty
Novosibirsk, Russia
Speciality: physics. Master
Specialisation: automatization of physical-technical experiments.
Diploma “Real-time image processing” – excellent.
Apprenticeship (1986-1989): Institute of Automatics and Electrometer of the Siberian Division of the Russian Academy of Sciences. DAC&ADC laboratory assistant. Constructing and tuning digital electronic devices. Programming: drivers and control programmes developing (C, Asm).
International student campus (1987-1990): member of student group, leader (head) of student group.

1997-1999 Novosibirsk State Technical University. Faculty of Business
Novosibirsk, Russia
Speciality: Economics. Master
Specialisation: Finance
Diploma: “Investment program for plastic card payment system” – excellent

1993-1995 Training courses
· VERIFONE OMNI family of terminals programming;
· VERIFONE smart card terminal SC 450 programming;
· GEMPLUS smart card OS filter development;
· INNOVATRON terminals programming;
· OLIVETTI SST-6000 self-service terminals (ATM mashines) programming;
· OLIVETTI/VERON Lyra terminal programming.


Skills

Management of departement activities, project management, market research, analysis, etc.

Cards, tools and programming
Cards: SOLAIC E3744, PocketBook, SX; BULL CC, TB, SmartEMV (UKIS); Schlumberger PayFlex, MultiFlex, CyberFlex (Java Card 2.0), VISA Open Platform (Java Card 2.0); Gemplus COS, MCOS, PCOS, MPCOS, MPCOS-3DES, MPCOS-EMV, GemCombi (contact/contactless), GemXpresso (Java Card 2.1); Datacard MIC1600, magstripe cards, etc.

Tools and OS: Microsoft Word, Excel, Powerpoint, Project, Front Page, Visual Source Safe, Visual Studio (VB6), Outlook, CorelDraw and other utilities, programming tools. Using of MS-DOS, DR-DOS, Win 3.1/95/98/NT 4.0, OS/2, Solaris etc.

Programming. Special utilities, modules and programmes for smart cards (C, C++, Basic, Asm). Solutions based on devices Datacard series 50, Datacard 680-IC, Innovatron TPSCAM 1000, etc. Card OS programming for Gemplus cards (COS family). Local service solutions for bank offices (processing center, bank offices and branches, etc). Remote service solutions for remote branches. Starting working with Visual Basic 6 for Smart Card for Windows, with Java for Java Card.


Languages

Working languages:
· English (Fluent, TOEFL 550);
· French (working knowledge), school specialized in French with additional course of technical translation from/to French;
· Russian (native).


Other

Married.
Driver's license.
TOEFL, GMAT

Hobby
Music (graduated from music school in 1981), tennis, chess.


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