PRODUCT / RISK / COMPLIANCE SYSTEMS / FINANCIAL TECHNOLOGY
Nikita Kuzmin
Transforming Global Financial Systems
Product Manager with expertise in Digital Banking, E-Wallets,
Compliance Systems, and Large-Scale Transformation
initiatives across Tier 1 financial institutions.
Institutional
Trust
Proven Impact at S&P 500 Companies
Global
Experience
Senior Stakeholder Management
Subject Matter Expertise
I turn complex products, data, and regulatory expectations into delivered outcomes.
My experience is concentrated in complex financial-services products where product decisions have to work across multiple markets, teams, systems and regulatory requirements.
End-To-End
Product Delivery
From vision to production, I lead products through ambiguity, prioritize ruthlessly, and deliver what matters on time.
-
Product strategy & vision
-
Roadmaps & backlogs
-
Multi-team delivery
-
Executive alignment
Payments & Core Banking
I command the financial rails that move regulated capital globally, from foundational infrastructure to client-facing product.
-
SWIFT, SEPA, TARGET2, Nostro accounts
-
Core banking architecture (Avaloq, Mambu)
-
Card & payment platform integration
-
Virtual IBAN & cross-border FX
Scalable Data Foundations
I work beneath the product layer, shaping the data models, pipelines, integrations, and controls that are scalable and reliable.
-
Enterprise data pipelines
-
Data models & integration architecture
-
Data quality, lineage & validation
-
Golden & Silver layer data management
Transformation
& Migration
I orchestrate the convergence of legacy infrastructure, modern platforms, and teams into, enterprise-grade solutions.
-
Legacy & Vendor system migration
-
API architecture & integrations
-
ETL & Staging Layer engineering
-
CRM & platform transformation
Digital Assets, Crypto & Web 3​
I bring emerging digital-asset and Web3 products into regulated production environments globally.
-
Tokenization & on-chain financial products
-
Payments, wallets & new financial rails
-
Regulatory & compliance-by-design
-
Integration with existing infrastructure
AI Product Implementation
I turn AI into usable products identifying high-value use cases, translating them into requirements, embedding AI into workflows
-
AI use-case discovery & prioritisation
-
Agentic workflows & intelligent automation
-
Human-in-the-loop & decision workflows
-
Production deployment & adoption
Results speak for themselves
Strategic product leadership.
Swiss standards of quality.
Institutional Value Creation
Vendor platform deccomissioned and migrated in-house
-
Co-led the end-to-end migration of a transaction monitoring and case management compliance platform from an external vendor to an in-house solution across six jurisdictions (Austria, Germany, Italy, Poland, Romania, and the US), delivering over 5M EUR in annual savings, 2 months ahead of contract expiry.
Achieved €5M+
in annual savings
Scaled Product Integration
Designed and delivered a scalable, standardised data model
-
Successfully led the design and delivery of a standardised data model and staging-layer architecture that enabled semi-automatic e-wallet product integration at scale. This eliminated the need to rebuild the staging layer for each new market, allowing faster and more reliable wallet launches across regions while ensuring data accuracy, consistency and seamless downstream flow.
Multi-Market
E-Wallet Launch
Holistic Product Monitoring
Unified monitoring & investigations across the product ecosystem
-
Expanded an internal back-office compliance platform to support monitoring and investigations across money transfer, e-wallets, payments, crypto, FX, banking, loan, interest and related financial products. Integrated product-specific data and monitoring requirements into a single platform, enabling global teams to investigate activity across previously separate product domains within one environment.
Holistic Monitoring Enabled
Unified Customer Profile
Built Unified customer intelligence for Life, P&C, Asset Management
-
Co-led the design and delivery of a Customer 360 platform that consolidated fragmented legacy customer and transaction data into a single, unified view of policyholders and counterparties. Embedded dynamic risk scoring, visual analytics and compliance decision workflows (pass/refer/interdict + Maker-Checker) to enable real-time, risk-based decisions on premiums and claims.
Customer 360 Platform
Audit & Risk Management
Owned the product response to external audit findings
-
Acted as the primary product counterpart to KPMG auditors of Australia and New Zealand, with direct, hands-on experience enhancing compliance systems based on audit findings. Delivered 7 critical fraud monitoring enhancements and automations within 3 months, and successfully passing re-audit.
Passed Audit &
Risk Remediation
AI & Regulated Onboarding
Designed and delivered AI-supported KYC/KYB risk scoring models
-
Translated complex KYC, KYB and third-party due-diligence requirements into configurable, audit-ready risk scoring models. Delivered enterprise API integrations that embedded real-time KYB reports, risk scores and analytics into the onboarding and monitoring platforms of major financial institutions, supporting bulk verification.
AI-Driven KYC
Risk Scoring
Selected outcomes from regulated financial-services and tech environments.
Specific organisations and client details are omitted due to confidentiality obligations.
Operational Standards
Trusted by Industry Leaders
A track record of over 8 years built in environments where product decisions have to withstand regulatory scrutiny, operational complexity, and shareholders expectations.
Senior Product Owner
Compliance Systems & Analytics
06.2024-06.2026
Vilnius, LT
Senior Business Analyst
KYB & Corporate Client Intelligence
09.2021-02.2023
CA, USA
Business Analyst
Legacy Migration & Customer 360
10.2019-09.2021
Munich, DE
My background spans financial services, fintech, digital banking, payments, compliance technology, risk management, customer data, and enterprise transformation. I have worked across business and technology functions, connecting strategy and execution while navigating the regulatory and operational realities of highly complex organisations.
Today, I bring this combination of international perspective, product discipline, regulatory awareness, and structured execution to complex transformation initiatives, with a particular focus on DACH and European financial services.
My aim is straightforward: to identify what needs to happen before it becomes urgent, bring the right people and capabilities together, and deliver products that create measurable business value while meeting the standards expected in high-trust environments.
With extensive experience across Europe, EMEA, APAC, and the Americas, I bring an international perspective to product leadership, regulated financial technology, and large-scale transformation. My experience spans financial institutions and technology environments where product decisions must account for business value, regulatory expectations, operational realities, and long-term scalability.
​
Over the course of my career, I have had the opportunity to work alongside Royal Families, senior executives, regulators, auditors, institutional leaders, and other high-level decision-makers, operating in environments where discretion, precision, and trust are essential.
This international exposure has shaped how I approach product leadership: understand the broader environment, identify risks and opportunities early, create clarity across stakeholders, and turn complex requirements into products and solutions that can perform under
real-world constraints.
Engagements & Speaking
Early in the rooms
where it matters.
From global summits to expert panels, I contribute to the dialogue
shaping the future of financial services, AI and technology.
​
Have a complex problem to solve?
Let's build the right solution, together.
Zürich / Vienna / Vilnius