S M A R T E O S Solutions

Expert IT consulting· Cybersecurity, Data & AI, Service Delivery Management
for critical systems.

We work on complex projects across payments, finance and industry. Project delivery, technical expertise and regulatory compliance — with experienced consultants.

Payments & Card Systems Finance & Insurance Industry OT/IT
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Positioning

Expert consultants only

No juniors, no delegation. The consultant proposed is the one who delivers.

Approach

Delivery and technical combined

A single point of contact covering scoping, delivery and technical expertise.

Capability

Taking over engagements

We can step into ongoing, stalled or poorly scoped engagements.

How we work

Leadership involved

Leadership is directly involved in scoping and overseeing engagements.

01

Experienced consultants

Our consultants have worked in banking, card payment and industrial environments. No generalist profiles on technical matters.

02

Delivery and technical

We cover scoping, project delivery and technical expertise within a single engagement, without fragmenting responsibilities.

03

Discretion

Strict separation between engagements. We flag any potential conflict of interest before starting work.

Our areas of work

Three sectors, one approach.

We work in environments where availability, security and compliance are real operational constraints, not marketing arguments.

Payments & Card Systems

Authorisation systems · Interbank · Data · Cybersecurity

ISO 20022 SCT Inst PKI / HSM PCI-DSS SWIFT SAG Fraud detection Data Science Big Data XFB · Kafka

Systèmes d'autorisation, environnements émetteur/acquéreur, Instant Payment, middleware critique (XFB, IBM MQ, SWIFT SAG). Data science et détection de fraude sur des volumes transactionnels élevés.

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Finance & Insurance

Banking · Asset management · Insurance · AI · Cybersecurity

DORA Solvency II NIS2 RGPD AML IA Act Credit scoring ML / AI Cybersecurity

Retail and corporate banking, asset management, insurance & P&C. Regulatory compliance (DORA, Solvency II), operational resilience, AI applied to scoring and fraud detection.

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Industry & Digital Workplace

Manufacturing · Energy · Services · Data · AI

NIS2 IEC 62443 OT / IT SCADA Data Engineering MLOps Smart Workplace Generative AI

IT/OT convergence, industrial cybersecurity (NIS2, IEC 62443), data engineering, AI integration in digital workplace environments. Sourcing and management of Expert Data/IT experts.

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Experience

Examples of projects and engagements
in demanding environments.

The examples below are anonymised.

Leading interbank operator

Middleware Expertise & Architecture

PKI / CFT / XFB Experts

Tools, CI/CD & Network domain: XFB, Kafka, Spark, IBM Connect / WAS / WMQ, DB2, SWIFT SAG, certificate management (AIX/Linux). Operational maintenance, level-3 incident resolution, release support.

Leading interbank operator

IT Infrastructure & Security — Card payment domain

Infrastructure & Security Project Managers

Delivery of infrastructure upgrade and hardening projects in the card payment domain. Network segmentation, certificate management, AIX/Linux hardening, project and steering committees, GANTT planning.

Leading interbank operator

Card payment monitoring centre management

IT Project Director

Management of the helpdesk and card payment production monitoring — 24/7 continuity, SLA compliance, management of level-1 and level-2 support teams, ITSM tooling, IT supplier assessment.

Leading interbank network

Data Science — Transaction fraud detection

Data Scientist · Lead Big Data Expert

Supervised and unsupervised ML modelling for fraudulent behaviour detection on high-volume transaction flows. Feature engineering, training, evaluation and integration of models into the card payment pipeline. Stack: Python, Spark, Kafka, Hadoop.

Financial institution

Model governance — AML & AI Act compliance

Expert Data Scientist

AI Act compliance for anti-money-laundering algorithms (34 ML scenarios). Review and tuning of monitoring models, automation of lifecycle reporting, ML explainability (Isolation Forest, bisecting k-Means), technical and functional documentation.

Major French bank

Service Delivery Management — Infrastructure scope

Service Delivery Manager · ITIL V4

Service quality management across several thousand workstations. Incident, problem and change management via ServiceNow and BMC Remedy. Steering and technical committees, SLA/KPI tracking, onshore/offshore coordination, ITSM tool migration.

Large industrial group

Service Delivery Management — Critical applications

Service Delivery Manager · Scrum Master

Application performance management on a critical scope (call centres, customer interactions). REMEDY to ServiceNow migration. Oversight of international suppliers, budget management, KPIs, continuous improvement under ITIL.

Large IT services provider

Expert staffing — Data & Digital Workspace projects

Sourcing & placement of Expert profiles

Identification and placement of project directors and Expert Data/IT experts in digital workplace environments. Requirements scoping, profile selection, ongoing match between engagement and skills.

How we work

What sets us apart, concretely.

No juniors

All our consultants have worked in complex banking or industrial environments. The profile presented during pre-sales is the one who works on the engagement.

A single point of contact

Delivery and technical expertise are not separated. You have one contact who understands both the business stakes and the system constraints.

Taking over engagements

We can join an engagement already under way, reframe a stalled project or take over a poorly defined scope — without starting from scratch where it isn't needed.

Clear to business and technical teams

We structure our deliverables so they are understandable by both IT teams and business or governance stakeholders.

Discretion and separation

Information related to each engagement stays strictly separated. We proactively flag any potential conflict of interest.

Leadership available

SMARTEOS leadership is directly reachable on every engagement. Decisions don't go through intermediate layers.

About

SMARTEOS Solutions

SMARTEOS Solutions is an independent consulting firm, founded by a consultant with over 15 years of experience — first in hands-on infrastructure and cybersecurity, then in operational and commercial leadership of consulting firms in France and internationally.

We work on complex technical and regulatory projects across three sectors: payments & card systems, finance & insurance, and industry. Our engagements cover project delivery as well as systems expertise — often both within the same scope.

We work with Expert consultants only. It's an operating choice, not a marketing argument.

Structure

Independent firm

Specialised Expert consulting

Experience

15+ ans

Infrastructure, cybersecurity, operational leadership

Sectors

3 verticals

Payments · Finance · Industry

Team

Experts only

No juniors on engagements

Contact

Let's talk about your project.

Tell us about your context and what you're looking for. We'll get back to you quickly to assess together whether an engagement makes sense.

Address

102 avenue des Champs-Élysées
75008 Paris

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