Jakub Houser

• 20% — Reduction in Daily Cash Positioning Time
• 80% — Global Cash Visibility Across Banking Entities
• $25+ Million — Reduction in Idle Cash Buffers

A global corporate treasury operated across fragmented regional ERPs and disparate bank portals without a central system. Daily cash positioning was conducted manually in spreadsheets, consuming 2-3 hours each morning, with zero intraday visibility, high key-person dependency, and substantial idle cash buffers that offset costly overdraft facilities in other subsidiaries.

I led the product discovery, vendor evaluation, and agile implementation of a multi-tenant cloud Treasury Management System (TMS). I also defined the product roadmap, translated corporate finance requirements into structured Jira epics and user stories. I engineered automated bank connectivity pipelines (host-to-host SFTP/APIs) for statement ingestion (camt.053/MT940) alongside standardized ERP general ledger reconciliation.

I reduced the daily cash-positioning cycle time by 80%, making consolidated multi-currency positions available by 7 am instead of late morning. I also improved global cash visibility.

• 10+ — Third-party Banking APIs Integrated
• 100% — Regulatory Compliance with PSD2 RTS Standards

Following the EU PSD2 mandate, corporate clients managing multi-currency accounts across multiple competitor banks were burdened with manual, multi-portal statement downloads to establish morning liquidity. The bank needed an enterprise-grade Account Information Service Provider (AISP) multibanking product to aggregate third-party bank balances inside its corporate platform.

I served as a product manager for cash management, leading cross-functional engineering squads from discovery to general availability. I defined API integration architecture, designed the data normalization layer to harmonize disparate third-party JSON/XML schemas into a unified internal data model, managed the backlog for OAuth2 SCA consent lifecycles, and automated API retry mechanisms.

I integrated 10+ major banking APIs, delivering automated 4x daily balance refresh rates for corporate clients. I achieved 100% regulatory compliance with EBA RTS standards and eliminated manual statement collection for corporate treasurers.

• 100% — Simulated Idle Cash Reduction Potential
• $XY — Potential Annual Optimization Calculation

Corporate treasury professionals and financial controllers often struggle to visualize the tangible financial impact of complex, cross-border cash pooling structures before committing to lengthy and expensive bank implementations.

I conceived, architected, and brought to market CashPoolModel.com, a free, interactive, AI-assisted liquidity simulation tool and web pilot. I defined the complete product vision, user journey, and functional logic for automated target balancing and intercompany sweeping. I also leveraged modern AI tools and automated data ingestion to build an intuitive, self-serve interface that allows corporate users to configure liquidity parameters and simulate optimal pooling structures in real time, without writing code or building spreadsheets.

I launched the live interactive pilot, delivering an instant, zero-friction playground for treasury practitioners. I also enabled over 100+ liquidity simulation runs, successfully demonstrating how automated sweeping rules can unlock idle cash.