Natalia

Natalia Zhuravska ​
Project Manager | Banking and Payment Solutions​

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Experienced Project Manager with over 6 years of expertise in the banking industry,
specializing in launching digital financial services, optimizing payment infrastructure, and
automating core banking processes. Currently seeking to apply my financial and product
management experience in a dynamic tech environment.

Work Experience
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PJSC Bank Pivdenny – Digital Banking Department
Project Manager | June 2022 – June 2024

Participated in the development of a mobile banking application that provides clients with
access to a comprehensive suite of financial services, including account opening and
management (checking and savings), payment card issuance, Google Pay and Apple Pay
integration, card management, currency exchange, and online customer support.

Key achievements:

●​ Launched virtual card issuance, doubling the number of active payment cards.
●​ Introduced P2P and internal money transfers, resulting in a threefold increase in
digital transactions.
●​ Enabled in-app currency exchange within a single transaction, reducing processing
time by 50%.

Responsibilities:

●​ Identified and clarified business needs with stakeholders.
●​ Managed the product backlog and prioritized features.​
Collaborated with business analysts, UX/UI designers, developers, QA engineers,
support teams, delivery managers, and marketing.​
Managed change requests and implemented iterative updates in line with business
priorities and compliance requirements.
●​ Liaised with the National Bank of Ukraine, processing centers, and international
payment systems (Visa, Mastercard).
●​ Created process documentation and user guides; modeled business processes in
both current (as-is) and future (to-be) states.
●​ Prepared functional documentation: BRDs, user stories, use cases, and acceptance
criteria.
●​ Oversaw the entire software development lifecycle (SDLC).

PJSC Bank Pivdenny – Retail Product Department
Head of Payment Card Products Development | Sept 2019 – June 2022

Key achievements:

●​ Launched an automated logistics system for card inventory, cutting delivery time by
50%.
 ●​ Implemented digital PIN setup, reducing costs by a factor of 8 compared to
paper-based PINs.
●​ Co-developed a CRM system for retail managers, boosting product sales by 35%.
●​ Defined technical and functional requirements for support CRM, cutting service time
by 50%.
●​ Introduced a multi-personalization module for card issuance, reducing plastic card
costs by 40%.

Responsibilities:

●​ Managed the full lifecycle of card products and payment execution processes within
the processing system, including transaction limits and account settings.
●​ Supervised daily card transaction operations with a focus on accuracy and reliability.
●​ Collaborated with vendors and processing centers to integrate payment services.
●​ Developed and enforced fraud prevention strategies and risk monitoring.
●​ Ensured compliance with PCI DSS, AML, KYC, and internal policies.
●​ Provided technical support and resolved product-related issues.
●​ Analyzed transaction data and KPIs for process optimization.
●​ Identified and implemented cost-saving and efficiency improvements.
●​ Stayed current on payment trends and regulatory updates.

PJSC Bank Pivdenny – Retail Product Department
Head of Card Issuing and Technologies Team | Sept 2017 – Sept 2019

Responsibilities:

●​ Set up systems for card accounting and transaction processing.
●​ Defined technical requirements for card issuance systems.
●​ Integrated new card products into existing systems.
●​ Assisted users with card-related issues to enhance experience.
●​ Streamlined retail sales processes through automation.

Education & Training
●​ Georgia Institute of Technology, Coursera — UX Design | March 2022
●​ Lanca.CX — Service Design | February 2022
●​ Udemy — Product Management | May 2022
●​ University of Alberta, Coursera — Intro to Software Product Management | April 2021
●​ Odessa National Food Technologies University, Ukraine | June 2013

Languages: English — B2; Ukrainian — Native

Technical Skills: Jira, Confluence, CRM systems, BPMN, UML diagrams, Visa Online,
Mastercard Connect.