Colin Cramer

Project Value: $20 million USD and Key Contributions
Accountabilities and Responsibilities
Running a MUREX Programme
Managing a Trade Finance implementation (Misys)
Managing and directing First Connect Programme of work

Easypaisa 2.5 years budget $20M USD

Project Value: $20 million USD and Key Contributions
Accountabilities and Responsibilities
Mobile Money total solution (Project Value was $20 million USD)
Look after the delivery and in fact all aspects of the Mobile Banking for the APAC region.
Managed the prime customer being Telenor based in Pakistan who is fairly mature but now finding that changes are required so re-deploying the entire application for the full function of this mobile banking version.
Wrote the initial White Paper for Mobile Banking in Africa (MPESA) which in terms of delivery the IP was sold to IBM UK for the code to be written and then delivered by FNS (myself included) into Kenya, Tanzania & Uganda. Most successful Mobile rollout in the world at this point.
USSD payment gateways (design and application build)
Managed and worked with onsite and offsite teams based in India and in Pakistan.
Managed and worked alongside the Architects designing and working with the USSD channels etc.
Assisted with the design of the Architecture but the delivery was done by the selected vendor
Projects were all high risk in that a large number of errors were still being found in the core system and new releases had to be closely managed and tested. The industry standard is 2 releases per every 12 month period but in this instance every 3 months a new release is being issued.
Project methodology moved between Agile, Waterfall, Scrum and Prince which added its own dynamics to the programmes and projects. This was a little like a moving target as the RAG reporting, as an example, differed from vendor to vendor and then the Bank.
Legacy system at VISA (Tameer Bank) was one that was hashed together in house and in fact never worked correctly as it was cloned on the Mpesa application but the USSD payment gateways never functioned correctly at all
Project now delivered and named Easypaisa.
Assisted with the setup of the

Project Value $ 35 Million USD and Key Contributions
Programme Manager for a complex and multiple vendor T24 site based in Amsterdam and Rotterdam Holland.
My role was to deliver with my team a MODEL Bank based on T24 (Vanilla model)
Interfaced into the Trading platform running on BaNCS
The Model Bank required was as a result of the old Legacy system that has been in place for some 20 years and was based on Hogan and PEGA but terribly old and out dated
My role is one of managing the Program which is made up of multiple sites and Projects and Vendors (the Bank, TCS, Private testing, Accenture, Temenos and Cognizant in various forms).
Trade finance from Misys was also implemented as part of the Model Bank and integrated into the T24 solution that was proposed (used a third party solution being Misys)
Payment Applications
The methodology changes as the bank’s mood does in that for a few weeks its Agile and then Waterfall and Scrum and Prince so that is at times a moving Scheduled target.
Savings to the Annual Operating cost of the existing Banking solution equated to 10 million Euros PA

PegaSystems

Project Value $ 12 Million USD and Key Contributions:
Creating Business Models for Mass Market Banking. Budget $22 USD (Mpesa improvements)
Mobile Banking model that I designed 8 years ago was developed by IBM UK and labelled Impisa and I took that to the local SUB Saharan market focussing on the ‘un banked’ segment of the population in the rural areas.
A total Mobile banking solution provided on the Mobile handset including small Business loans to a maximum value of $ 1200/ per applicant. Reached and secured a client base of just short of 40 million Clients. This was full mobile Banking and Loan disbursement via the handset and POS devices.
JV created with the principle mobile vendor in SADAC and shared the ‘mitigated risk’
Countries involved and implemented in were Kenya, Tanzania and Uganda and followed with South Africa but principle focus market place was the ‘un banked market’ based in rural areas and the migrant working populace all over the Sub Saharan region.
Legacy systems played a huge role here as it was difficult to remove without resistance as the code was very old.
Back end Banking solution for Stanbic is BaNCS
Programming and projecting Governance for Barclays Capital. (Governance applied was based on PMP and Prince2
Infrastructure design involvement at a high level as the vendor was responsible for the delivery due to it being in Africa
Principle emphasis on the Business and Project and Programme Governance as this Programme had none so this was a number one priority to introduce and quickly as to ensure the Audit would be passed. It did pass.
Responsible for Mass Market Banking, Community Banking and Mobile Banking.
Assisted in designing payment Applications
Secured loans was an integral part of this entire rollout
Compiling the business model to take to market the Community Banking model.
Interacting continually with internal customer and stakeholder teams globally and applying appropriate governance, to ensure that project schedules and dependencies are factored into plans (Audit requirements.)
Recompiled all the standard reporting like Mandates and Charters and all the Planning schedules as it all had to be rewritten and re base lined with new milestones and bringing together 9 plans into a single plan.
Formulated a PMO to ensure an Audit would be passed with all the terms of reference to enable a full audit to be conducted.
Responsible for delivering Trade, Treasury and Derivates projects to plan.

Project Value $28 Million USD and Key Contributions:
Responsible for heading out the rollout of a new core Banking Systems for the National Bank of Pakistan.
Methodology used on this deployment was Agile.
Managing KYC streams as it now forms part of the DD and new FICA Stream.
Managed mobile and internet Banking and delivery to market in Africa, principally in South Africa
Due to legacy systems being in place had to transfer all client balances including all retail funds and other statistical and historical data and transactions.
Amongst other streams managed I also managed the Credit and Debit Card stream that was Visa for the integration into the core banking solution.
Rebuilding previously strained Client/Vendor relationships.
Working with sales to ensure appropriate customer expectations management at all times.
Defining client requirements for the 3rd party vendors (Theta for Trade Finance; SABA for all HR activities).
Conducted the Business requirements Documentation for the Treasury and FX requirements as I did not have staff on board to do this Analysis. Used profile as my tool to address the stream
Payment gateways and Applications (both Managed and assisted in the design)
Compiling all training materials with the vendors and ensuring all clients training is conducted in accordance with the requisite standard.
Statutory reporting for internal controls for the Banks FSA and the Regulatory requirements of Central Government
Compiling the contract for the rollout from the principal vendor.
Very heavily involved in the entire infrastructure design phase - Vendor responsible for the Hardware delivery
Consolidating Programme Planning (MS Project) including the Roll-Out Plan for 1240 branches.
Establishing a call centre for Country roll out for all branches and clients.
Managing all separate budgets, resourcing and trip planning along with PMO office.
Designing the web design layout for the full e Business Banking Suite, Mass Market and Internet Banking.
Introduced full automation from being a paper bank to full digital Automation

Project Value $ 38 Million USD and Key Contributions:
Managing new 3rd Party Vendor relationships to ensure smooth delivery of the new cards platform.
Combination of two methodologies applied for the new application rollout being Agile and Prince 2
A completely new card platform roll out and including all Merchants. Core applications changed from legacy to HPS and new Hardware operating model deployed in the entire GCC region.
Payment Applications
Infrastructure design was a key element due to a brand new platform being required. IBM responsible for the actual delivery and commissioning of Infrastructure.
Loyalty programmes and reward programmes included in this re-plat forming.
Testing hardware streams along with Switches which is managed as part of the programme.
Heavy dependency as can be imagined on the Managed Risk and used SunGard offering in this environment.
Regulatory reporting produced for USA parent and for central and local Government.
Responsible for managing 3rd party vendors and the off shore development team whilst focussing on the Business.
Annual savings to AMEX in the GCC equated to Approx. $ 12 million annually with the platform change

Financial Network Services (Seconded & Combined with Sofgen

Project values varied between $ 3 million and $ 96 million and Key Contributions:
With a team of 12 technical consultants reporting to me and a project value of USD 13 million, successfully implemented the clients BaNCS installation with

Project Values varied from $3 million to $96 million and Key Contributions:
Automated Banks in Saudi

for PegaSystems on the RBS account for HPS in the UK
Delivered ATM and Debit Card applications with full ATM transactional functionality to all 13 banking applications delivered as above.
Delivered AMEX, Visa and Master Card
Delivered Pre Paid Cards applications
Worked extensively with secure loans
Very good understanding of the regulatory requirements
Best of breed practice at all times during every delivery and implementation processes.
Rolled out 2 SAP-ISH Hospital Administration programmes with SAP Offering Banking.
Rolled out 6 BPCS HR and MM applications in the Middle East and a full BPCS Manufacturing ERP application for GSK
Extensive Software Development and Management of teams both in house and offshore in India and Manila.
IT and Programme and Project Governance driven to ensure correct methodologies are in place at all times and followed to enable both the delivery of solution and secure teams and the clients.
Managed and also the Final Sign Off of all technical specifications prior to development post delivery and to Clients.
Managed Third Party relationships such as global outsourcing and off-shoring relationships as required. Managed third parties which have included Visa, Master, and Payments systems, Treasury applications (SunGard), Risk applications and Switching technologies.
Managed and delivered Trade Finance solutions using Misys - Integrated into T24 and BaNCS on 6 Programmes.
Worked extensively in the area of Legacy Systems
Created a JV between Banking institutions and mobile carriers and managed relationship from concept to final delivery
Delivered full Mobile Banking (Micro Lending) and full function online internet banking to the market via Cellular or Mobile technology internationally.
Wrote or compiled the initial mobile banking Business case studies that eventually Fundamo took as a base for their operating model in Africa. IP was initially signed over to IBM UK to develop and later made commercially available.
Senior Programme & Project Manager of very large engagements.
Delivered 4 Credit Card applications in the Middle east and into Africa
Infrastructure design but not delivery
Developed a Team Culture Promoting the development and retention of high quality development staff.
Managed off shore development teams in India and in Singapore
Managed Treasury and FX implementations but typically they have formed part of the Core application so a fair amount of intense integration was required into the T24 product and Flexcube
Treasury Applications have come from T24, BaNCS and Finacle along with Misys.
Applied Appropriate Governance ensuring that project schedules and dependencies are factored into all plans.