2014 to date
Employer Standard Bank of South Africa Limited
Business Sector Banking, Finance, National Payment Systems, Payment Industry, Banking Industry
Position Senior Solution Designer – Payments Design and integration
Activities and Responsibilities • Analysis and design of payments solution enabling customer and business
requirements.
• Payments value chain – as it is (as-is), its desired future state (to-be) and identify
changes tactical or strategic to achieve the desired state
• Business processes, identify inefficiencies and determines best improvement approach.
• Identify process objectives, key metrics, baselines and target values to ensure process
efficiency.
• Identify and analyse business rules, risks, controls, events and workflow requirements
that govern the execution of payments business processes to allow for optimal risk
mitigation.
• Ensures that process designs adhere to payments design principles
• Expert understanding of suspense account/s hierarchy and flow and transaction types
to ensure optimal process flow
• Advanced understanding of SAP FICO and associated exceptions for each
transaction type/flow
• Ensure accurate reconciliation processes are in place (as per Reconciliation
Framework)
• Advanced understanding of transaction mapping to SAP – Bank Analyser and General
Ledger, to ensure that transactions are posted/aggregated into the correct GL
Accounts.
• Certify compilation of Test cases and conduct testing tested for positive and negative
scenarios for payments value chain
• Ensure seamless integration of new/existing solutions into the Payments value chain.
• Advocate accurate implementation of consistent business rules, risks, controls, events
and workflow requirements that govern the execution of payments business processes
to ensure optimal risk mitigation.
• Engage IT, Business, Operation and Product to ensure optimal solution design and
integration
• Coordinate with other projects to outline impact and integration points for new or
existing solutions, in ensuring minimal disruption to business operations.

Date 2011 to 2014
Business Sector Banking, Finance, Payment Industry, Banking Industry
Position Subject Matter Expert – Payment Operations
Activities and Responsibilities • An ambassador to various stakeholders and executives within business
• Provide guidance, make recommendations and actively participate in all in all phases of
a transition
• Understand the purpose or goals of a transition and align it to the overall strategy of
Business Operations including Service, Maintenance, Originations and DRDM
(Documentation Management)
• Define Business requirements and recommend a technical or business approach to meet
project needs
• Align all projects to the operations strategy
• Ensure alignment of projects to operations business processes (People, Process and
Technology)
• Single point of contact for business partners in terms of new projects
• Provide support to the Production area in terms of new implementations or
reconciliation challenges
• Sharing of knowledge with the Production area staff members
• Key deliverables:
Facilitate and align the design of common, optimised processes within the
payment group strategy and architectural blue print, Participate in and apply
architectural design, Analyse business processes and facilitates common,
optimised processes within the payment business, Analyse data associated to
processes, its optimisation and re-use within the payment business, Integrate
initiatives where alignment is required, Provide insight, knowledge and guidance to
project team, Share knowledge across multiple project teams, Participate in
project requirements associated to the payment strategy or payment business,
Provide support and expertise to project teams, Integrate projects impacting the
strategy and architecture, Gather and analyse project documentation, Translate
requirements into a workable, integrated, sustainable solutions aligned to the
business and strategy, Deliver documentation as required by the project in
adherence to its deadlines and commitments, Function as a subject matter expert
across payment processing within operations, Resolve technical and complex
problems, especially in support of operations issues, Apply specialist knowledge in
a focused role working with relatively complex product information, Act as a point
of escalation for matters with higher level of complexity than those handled by
operations resources, Accountable for delivery through own efforts, Individually
accountable for managing own time, tasks and output, Broaden individual skills
and Collaborate effectively with others to achieve personal and team results
• Performs quality checks on own work
Date 2008 to 2011
Business Sector Banking, Finance, Banking Industry, Payment Industry
Position Green Belt and Black Belt Consultant – Support, Payment and Cash Services
Activities and Responsibilities • Investigate potential projects in conjunction with the Technical Leads, Black Belts, or
Process Support guidance.
• Execute design six sigma/Green Belt projects as defined through the Governance
Process and to ensure reporting takes place as required by BPM methodology
• Research the latest trends in the operation associated with your work and system
• Ensure priorities on projects are understood and executed within accordingly.
• Ensure the solutions developed are practical, simple and implemented.
• Ensure strong working relationships with line staff, consultants and other Six Sigma leads
• Participate in projects of longer than 3 months of a more technical nature
• Provide guidance to the Technical Lead, Black Belts or Process Support area.
• Ensure acceptance into the Business unit seconded to, staying within the values and
ensuring a delivery focussed approach to all tasks over and above projects.

Date 2004 to 2008
Business Sector Banking, Finance, Banking Industry, Payment Industry
Position Business Architect – Channel, Cash, Payments, Origination, Service and Maintenance
Activities and Responsibilities • Participate in the interpretation and formulation of the Business and Operating Model
pertaining to the business strategy. This includes alignment to other Business and
Operating Models in the Bank i.e. Customer, Distribution, Product, Credit, Business
Operations and any resulting enterprise models
• Understanding and applying business requirements throughout the models. i.e. Business
Model, Operating Model and Capabilities Map
• Identifying and understanding the Payments Business Model and aligning it the enterprise
models.
• Identifying the current and future capabilities at an enterprise level represented as a
base of process, technology and people directed at achieving a set of business
objectives.
• Extend beyond functional and process boundaries within organisation and moves further
into organisational structures, location and technology enablers relating to the payment
environment in the enterprise. This includes, reviewing current business systems and
propose solutions to increase efficiency / remove duplication
• Participate in the recommendations and road map to close identified gaps in terms of
Capabilities
• Provide business support and expertise relating to the key responsibilities to the team and
other areas of the business that will assist in the enhancement of strategy, processes,
architecture and business systems

Date 1994 to 2007
Business Sector Banking, Finance, Banking Industry, Payment Industry
Position Business Analyst
Activities and Responsibilities Analysing all aspects of business, customer facing and back office functions and aligning it to
business activity within the organisation and around the world
Constantly monitor the factors that affect any business setting. Aside from business decisions
made by the organisation’s business owners, monitor the latest political decisions that could
alter business processes or hamper business transactions. This included interaction with all
dimensions of business representation, teams, executives, external parties or strategic
partners, and advise on activities that impact the business landscape, both commercial and
IT related aspects.
This involved intimate understanding of both IT and business systems.

EDUCATION AND TRAINING
Education • Matriculation both English and Italian School
• The Institute of Bankers in South Africa – Licentiate Diploma (LIB)
• Wits Business School – Management Advancement Program (MAP)
• Bank SETA/Da Vinci University – Management of Technology and Innovation (MoTI)
• MSc in Systems Thinking – Da Vinci University (MoTI) – Dissertation – The relevance of a
Payment factory to a Financial Institution
• Six Sigma Green Belt – Juran and Six Sigma Black Belt – Juran
Sungard Suite – intelliMATCH
Servant Leadership
Various Branch Banking Related Courses
Introduction to the IBM PC
Using the IBM PC and PS2 IVI
Information System Data Management 5
Integrated Performance Management
System

Presentation Skills
PC Instructor
Writing Skills
Reading Skills
Q-Packaged programs
KeyMaster Personal Computers
KeyMaster Easy Logic
Advanced System Analysis Technology
Analysis ADW (Ernst & Young)
Joint Application Development Facilitator
(James Martin & Co.)
Information Mapping (Information Mapping, INC)
Microsoft Project ’98 (ISU Campus)
Flight (Project) Simulation Advanced (Davis & Dean)
Mike King – Business Modelling with Objects
Radical Training – Software Development
Techniques
Object Orientation – Rational
Advanced JAD Facilitation – James Martin
Websphere Business Modelling – WBM – IBM
Quality Process Results (QPR) Business
Process Modelling

PERSONAL SKILLS
Languages
English Italian Afrikaans
Reading C1 B2 A1
Writing C1 B2 A1
Listening C1 B2 A1
Spoken interaction C1 B2 A1
Organisational skills Administrative, Creative Writing, Editing, Training, Business Analysis, Business Architecture,
Branch Banking, Monetica e Sistemi Pagamento, Pagamenti, Sistemi Bancari, Processi
Bancari, Process Engineer, Process Architect, Six Sigma Green, Six Sigma Black, Data Analysis,
Data Architecture, Customer Experience, Process design, Industria Pagamenti Internazionali,
Industria Pagamenti, Pagamenti Bancari, Reconciliation Payments, Payments Industry,
Reconciliation, intelliMATCH, Sungard, FIS, SAP FICO, SAP Ledgers, SAP BW, SAP BA, Agile
Systems, Analista Funnzionale, Pagamenti e Monetica Elettronica, writing skills,
documentation, MicroSoft Office, Teamwork, Management, Operationns, Microsoft Office,
Microsoft Excel, Management, Microsoft Word, Microsoft PowerPoint, Teamwork, Project
Management, Business Strategy, Business Planning, understanding the impact of generations,
people, old farts and geyers, digital channels, internet/intranet technology, digitisation,
Customer orientation, customer service, National Payment System

ADDITIONAL INFORMATION
Publications independent.academia.edu/ClaudiaCutelli
Projects Mobilisation the Payment Capability in PBB – Business Operations
Strategically and operationally involved in identifying and mobilising the Payment processing
sub-capability within PBB-Business Operations. Participative in setting up and aligning this
stream at an enterprise level as well as creating an inherent awareness to begin leadership
transformation towards the need for a Payment Stream within the bank.
Cash Services Model
Created the architecture for a Cash Services model turning it from a “basement business” to
one with a footprint across Africa. Robotics used as a mechanism to facilitate process
improvement.
Integrated Processing Centre and Business Fulfilment Centres
Architecturally moved a business from a decentralized to an integrated centralised
environment with business processes alignment, their rationalisation, centralisation and
optimisation.
Multichannel and Payments Architecture
Initiated the definition of a bank’s Payment and Multichannel Architecture and the strategic
journey required to achieve these states. This required understanding international best
practice, an intimate understanding of the bank’s business processes in these realms as well
as the technical and data requirements that affect the business in these areas. These
architectures have since been undertaken and have reached a global implementation
level.
Payment Factory
Having defined the bank’s payment architecture as well as operationally involved in
identifying and mobilising the Payment processing sub-capability within PBB-Business Business
Operations I was given the opportunity to define and implement a Payment factory in the
bank’s Business Operation. I am currently working on this, that is, at implementation level.
Other
Bank at any Centre, Operational Data Store for Customer Data, Capacity Management
(Queue management), Customer Origination Service and Support, Cash Management,
National Payment Systems South Africa and Namibia, Money Transferszx