Salma BAHRAOUI

Payment scheme mandates don't wait — and getting them wrong costs banks and fintechs real money in fines, failed audits, and emergency remediation.
I'm a Payments Compliance Specialist with 3+ years of hands-on experience translating Visa and Mastercard bulletins into actionable technical specifications — from gap analysis to PowerCARD configuration, ISO 8583 message flows, and client-ready Business Requirement Documents.
What I do for clients:
→ Analyze scheme bulletins (Visa, Mastercard, Amex, UPI) and identify business impact
→ Design compliant technical solutions for issuing, acquiring, and switch environments
→ Produce TSDs, BRDs, and test plans ready for implementation teams
→ Support mandate readiness before enforcement deadlines
I've worked across CEMEA and global client portfolios, and I'm available for freelance consulting engagements worldwide — audits, mandate gap assessments, and compliance advisory.
If your team is facing an upcoming Visa or Mastercard deadline and needs someone who speaks both scheme language and technical implementation — let's talk.
Open to global remote engagements