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Katy Osborn

Lead Product Manager | Fintech | Fraud | Identity
1 project
1 recommendation
  • Suggested rate
    €500 / day
  • Experience8-15 years
  • Response rate66%
  • Response time12 hours
The project will begin once you accept Katy's quote.
Location and workplace preferences
Location
Granada, Spain
Remote only
Primarily works remotely
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Skill set
Industry fields of expertise
Katy in a few words
Summary: Remote, full-time. Open to occasional travel. 14-day notice period.

Introduction
Dynamic and results-driven product and project management professional with a strong focus on Fintech, payment orchestration, authentication architecture, and AI-driven solutions. Proven expertise in building scalable products and processes that drive growth and expand into new markets, particularly in fintech. Certified Scrum Master and PRINCE-2 Certified Project Manager


Expertise
- Fintech & Payments
Crafted payment strategies for Banking-as-a-Service (BaaS) and global expansion, specialising in financial systems, integrations, and compliance (GDPR, SOC2).

- Authentication, Authorization & Security
Designed secure authentication and authorisation models, boosting user adoption. Delivered fraud prevention systems ensuring KYC, KYB, and AML compliance.

- AI, Natural Language Understanding & Machine Learning
Applied AI for dynamic pricing, fraud detection, and better user experiences.
Enhanced NLU systems for multilingual rollouts, improving data use and cutting costs.
Deployed machine learning models to optimise financial insights and operations.

- Pricing & Revenue Optimization
Developed predictive pricing algorithms, dynamic models, and tiered strategies, driving revenue growth and improving user acquisition.

- Technical Product Management
Built API-first architectures (RESTful APIs, microservices) and scalable solutions, including authentication systems (SSO, SAML, OIDC) and fraud prevention frameworks (KYC, KYB, AML).


Education
MA Politics — University of Edinburgh, 2012
Scrum Master & PRINCE2 Certifications, 2019
Technical Training: JavaScript, CSS; B1 Spanish proficiency

Core Values
User-centric innovation for financial inclusion.
Data-driven decision-making with measurable outcomes.
Collaborative, action-oriented leadership.
Experience
  • REMOTE
    Sr Product Manager (Contractor/ Consultant) - Billing, Payments & Pricing - Fintech Group
    TECH
    July 2024 - Today (9 months)
    Granada, Spain
    Fintech in HRIS — Billing, Payments & Pricing

    • Delivered a scalable, GDPR-compliant payment and billing orchestration framework, enabling seamless provisioning, billing, and global payment operations for enterprise clients.
    • Centralized multi-entity billing systems across jurisdictions, integrating multiple payment service providers (PSPs) to achieve worldwide pay-in/pay-out coverage and improve compliance by 30%.
    • Designed tailored pricing strategies for underserved regions and developed bundled models, increasing adoption by 15% and boosting engagement by 18%.
    • Implemented workflows for dynamic routing, payment tracking, and subscription models, enhancing operational efficiency and scalability.




    infrastructure project manager IT Architecture Orchestration Technical project management Technical specifications Technical testing Regulatory Frameworks GDPR SOC2 Enterprise-Ready Scaling Product management product owner Product Development Product Agnostic Global Pay In - Pay Out Dynamic Routing Payment Tracking PSP Revenue Management Business model artificial intelligence Project owner
  • Oyster
    Product Lead: Identity, Security, Access Management
    TECH
    June 2023 - July 2024 (1 year and 2 months)
    Granada, Spain
    Authentication, Fraud Prevention & Fintech HRIS

    • Led the development of scalable authentication systems, including SSO, SAML, and OIDC, unlocking $40M in growth opportunities across key markets.
    • Implemented advanced KYC and AML solutions to combat fraud, reducing annual fraud losses by $2M and enhancing trust.
    • Streamlined multi-entity data management processes, cutting onboarding times by 25% and improving user experience.
    • Designed predictive pricing models and anomaly detection frameworks to improve security and operational workflows.
    HRIS Fintech ATS HR Director Authentication Authorization SSO SAML OICD KYC AML Multi-Entity Fraud Loss Cost Reduction Pricing strategy Revenue Management Business analysis Business model Product management Corporate strategy Strategic planning Positioning strategy product owner Product Development artificial intelligence
  • INTERGIRO
    Product Lead: Ledger & Core Banking (Contract)
    TECH
    January 2023 - July 2023 (6 months)
    Granada, Spain
    Fintech Infrastructure — Payment Processing & Treasury
    • Streamlined SEPA and SWIFT payment operations, reducing processing time by 30% and improving reconciliation accuracy by 75%.
    • Established a robust risk monitoring framework, decreasing fraud incidents by 40% and bolstering security measures.
    • Designed and implemented a safeguarding strategy with the RIX/Swedish clearing house, ensuring compliance and operational efficiency.
    • Integrated FX risk management and hedging systems for dynamic treasury workflows.
    Payment Processing payroll administrator Treasury Management SEPA Swift SWIFT Payments Reconciliation Reconciliation Accuracy FX Risk Management FX Risk Management Hedging System Clearing House Operations RIX (Swedish Clearing House) RIX Risk Monitoring Framework Fraud Prevention Payment Operations Optimization infrastructure project manager software architect Dynamic Treasury Workflows Financial Systems Integration Compliance Management Finance sector Administrative and Financial Manager Product management product owner Product Development artificial intelligence
1 recommendation
IT

Illia T. and 0 other people have recommended Katy

Illia T.IT
03/02/2025
I had the pleasure of working with Katy and can confidently recommend her as a highly skilled product and project management professional. Her expertise in fintech, payment orchestration, authentication architecture, and AI-driven solutions makes her a valuable asset to any organization looking to scale financial products and optimize operations.

Katy is a strategic thinker with strong technical acumen, having successfully built API-first architectures, implemented fraud prevention systems, and optimized pricing models using AI and machine learning. Her ability to navigate complex regulatory environments (GDPR, SOC2, KYC, KYB, AML) while driving innovation sets her apart in the fintech space.

Beyond her technical skills, Katy is an excellent collaborator and leader, ensuring cross-functional teams stay aligned and deliver impactful results. Her user-centric and data-driven approach fosters sustainable growth and market expansion. With a strong background in project management (Scrum Master, PRINCE2 certified) and a keen eye for security and compliance, she brings both vision and execution to the table.

For any organization looking for a dynamic and results-driven product leader, I highly recommend Katy. She will undoubtedly make a meaningful impact on your business.
Education
  • Ma Politics
    University of Edinburgh
    2012
Certifications