Achraf Ayadi
Verified Expert in Management Consulting
Management Consulting Expert
Paris, France
Toptal member since September 23, 2022
Achraf launched his practice after a decade of consulting for top European financial institutions. He led major transformation projects as a head of department, PMO, and senior business analyst. As an independent board member of a listed retail bank, he oversaw regulatory functions, including compliance and internal controls. Achraf thrives on helping fintechs and banks forge partnerships, develop innovative solutions, and adopt emerging technologies like AI and Blockchain.
Career Highlights
Education Highlights
Certification Highlights
Case Studies
Transforming Transaction Banking with AI: Prioritizing Use Cases and Strategies for Maximum Impact
Supervision of Subsidiaries
Business Analysis of Factoring Program
Post-audit of Balance Sheet
Industry Expertise
- Business Services
- Management Consulting
- Information & Document Management
- Custom Software & IT Services
- Finance
- Banking
- Lending & Brokerage
- Credit Cards & Transaction Processing
Other Expertise
- Anti-money Laundering (AML)
- Auditing
- Business Analysis
- Digital Banking
- Fintech
- Project Management
- Strategy
Work Experience
CEO and Founder
Altavo Partners
- Acted as a strategy consultant advising a North African retail bank to create a neobank dedicated to diasporas in EU-27.
- Supported a cross-border fintech transfer in setting up its strategic development plan, updating pitch content, and preparing for fundraising.
- Provided management consulting services in the delivery of the internal anti-money laundering (AML) policy, AML risk matrix, and compliance governance scheme of a new neobank regulated in EU-27.
Head of Compliance (Fractional)
Mazlo, Inc.
- Led compliance and regulatory oversight for Mazlo, a Silicon Valley fintech operating in a bank-partner environment, ensuring alignment between product, onboarding, disclosures, and regulatory expectations.
- Reviewed and strengthened Mazlo’s customer-facing compliance documentation, including banking disclosures, privacy notice, terms of service, fee disclosures, and commercial account agreement materials.
- Structured compliance inputs for KYC, KYB, onboarding, transaction monitoring, and internal control workflows, with a focus on reducing operational risk and improving scalability.
Non-executive, Independent Board Member and Chairman of the Internal Auditing Committee
BH Bank
- Supervised all activities related to financial security, anti-money laundering, internal control, compliance, internal auditing, and general inspection as a non-executive board member.
- Contributed significantly to the strategic transformation and restructuring plan of the bank.
- Played a key role in transforming the information system.
Managing Consultant
Capgemini
- Oversaw the deployment of a software package in multiple countries and launched a new pan-European factoring offer for big corporates of 5,000 MD as a PMO for a top European leasing and factoring company.
- Acted as a senior business analyst for a global bank group's leasing and rental subsidiary, designing a target data model to be implemented in SAP, followed by a multimillion implementation deal.
- Participated in a team that won a proof of concept deal as a functional stream lead for data and AI platform for a top French sovereign bank and investment fund.
- Supervised six banks, set up an information system master plan, and coordinated the digital strategy of the global banking group in Africa and the Middle East as a regional business partner for Western African subsidiaries.
- Served as a portfolio project manager in a global banking group's CIB division by managing teams and directing the implementation and deployment of sensitive IT applications for compliance and market operations in France, the UK, and the US.
- Implemented new types of pan-European credit transfers as a senior business analyst for the retail banking division of one of the leading global banks.
- Acted as the PMO for the corporate deposits line and implemented IT tools and processes for pricing and booking corporate term deposits in EMEA and APAC.
- Joined the insurance division as a senior business analyst, scoping a solution to implement Solvency II European regulation in multiple countries, and traveled to Russia, Romania, and the Czech Republic.
Head of Development and Organization and Member of Management Board
TFBank
- Served as a bank's management board member with a significant impact on strategic choices.
- Reengineered internal organization and contributed to new recruitments.
- Negotiated deals and implemented a new information system based on Temenos T24.
Project Manager for Compliance, AML, and Customer Data Reliability
Groupe BPCE
- Oversaw analysis and setup of data reliability and anti-money laundering alerts at six banks of BPCE Group overseas.
- Managed a team of five consultants to deliver a homogeneous data reliability monitoring tool.
- Involved in KYC process implementation and updates based on regulatory and internal audit recommendations.
Education
PhD in Management Science
Institut National des Télécommunications d'Evry - Evry, France
Master of Science Degree in Management and Economic Internationalization
University of Sfax - Sfax, Tunisia
Bachelor of Arts in International Business
Institute of Advanced Business Studies (IHEC) - Tunis, Tunisia
Certifications
Multiple IBM Badges and Certifications
IBM
Microsoft Certified: Azure AI Fundamentals
Microsoft
Certificate of Qualified Independent Board Member (AQI)
ESG Executive Education
Certified Chief Business Analyst (Level 3)
Capgemini Group
Governance Seminars for Non-executive Directors at the Board Level
The London Institute of Banking and Finace (LIBF)
Fundamentals of Anti-money Laundering: International Standards and Compliance Issues
The United Nations Institute for Training and Research
Professional Certification of Financial Markets Regulatory Knowledge
Ecole Supérieure de la Banque (CFPB)
Fundamentals of Central Banking and Monetary Policy
The United Nations Institute for Training and Research
Certified Project Management Associate
International Project Management Association (IPMA)
Skills
Finance
Anti-money Laundering (AML), Market Research, Total Addressable Market (TAM), Monetary Policy, Financial Risk Analysis, Lending, BSA AML Compliance
Output Software
Microsoft PowerPoint, Microsoft Word, Microsoft Excel
Industry Expertise
Banking & Finance, Financial Services, Capital Markets
Other
Research, Digital Banking, Project Management, Strategy, Organization, Fintech, Business Analysis, Regulations, Business Strategy, Consulting, Feasibility Studies, Product Roadmaps, Regulated Industries, Auditing, Board of Directors, Investment Banking, Compliance, Management, Finance, IT, Information Systems, Process Mapping, Process Design, Use Case Analysis, Business Plan Consulting, Digital Payments, Competitor Analysis & Profiling, Payment Gateways, Decentralized Finance (DeFi), Smart Contracts, Architecture, Data, Business Transformation, Strategy Consulting, Risk Management, Economics, International Projects, Operational Risk Management, Generative Artificial Intelligence (GenAI), Artificial Intelligence (AI), Quantitative Finance, Machine Learning, Large Language Models (LLMs), Know Your Customer (KYC), Risk & Compliance
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