Dalibor Jokić
Zagreb
Summary
Dynamic compliance leader with extensive experience at Nexi Group, specializing in payment schemes compliance and regulatory adherence. Proven track record in risk assessment and change management, driving optimization initiatives that enhance operational efficiency. Adept at data analysis and project management, fostering strong relationships with stakeholders to ensure compliance excellence.
Overview
20
20
years of professional experience
Work History
Payment schemes compliance team manager CISEE
Nexi Group
01.2018 - Current
- Company Overview: Nexi-Nets-SIA as from 1st July 2021
- Responsible for process of collection, monitoring, analysis and reporting of Schemes' and Regulations' business and technical (end-to-end) publications with responsibility to maintain overall payment schemes compliance
- Issuing & Acquiring (EU, CEMEA), for majority of key schemes; Mastercard, VISA Europe, VISA CEMEA, GNS Network, JCB, Union Pay International, Diners/Discovery, Dankort, UK LINK etc.
- Technical release & GTLIG analysis for schemes
- Initiation of change requests for mandatory requirements implementation oversight
- Coordination of SMEs in order to manage satisfying level of compliance
- Reporting to Management and to Clients
- Consultancy on the requirements and best practices on Product & Process level (to internal and external Clients – Issuers & Acquirers)
- Initiation and driving all Scheme cost related optimization activities
- Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Albania, Hungary, Slovakia, Romania, Slovenia, Poland, DACH, Nordic
Member of The Management Board
UAB H Pay & Go
09.2017 - 12.2023
- Company Overview: E-money licensed company
- Member of Management Board fully responsible for Compliance, Risk and AML
- Responsible for relationship with Regulators (AML, Fraud/Risk, Compliance)
- Acting as MLRO (exception for being MLRO and Board Member at the same time approved by National Bank of Lithuania)
- Remote role (Investing & building the business as investor)
Compliance Manager AML / Payments
G2A.COM
08.2016 - 07.2017
- Working on EU payments compliance
- Proposing AML strategy
- Temporarily guiding Fraud monitoring team
- Proposing and ensuring Company’s compliance with Payments regulation: PSD2, SCA, EU payment directives, 4th EU AMLD, HK and Singapore AML Ordinance, E2E Card scheme compliance (MasterCard, VISA, JCB, China Union Pay, American Express).
Payments & Card Scheme Compliance Expert
Intesa Sanpaolo Group – Intesa Sanpaolo Card
12.2015 - 08.2016
- Acting as Team lead for Payment compliance
- Responsible for Compliance with card scheme rules - monitoring & analysis of business and technical (end-to-end) scheme publications in order to maintain compliance with rules and maximize revenue stream
- Reporting to Management board and to Clients
- Consultancy on the best practices (internally to the company and externally to the Client Banks – Issuers & Acquirers)
- Initiation of Scheme cost related optimization activities.
- Total 4 years 10 months with several positions in ISP Group owned processor, covering: Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Albania, Hungary, Slovakia, Romania, Egypt
Payments & Card Scheme Compliance SME
Intesa Sanpaolo Group – Intesa Sanpaolo Card
11.2011 - 12.2015
- Building process from the scratch
- Daily monitoring & analysis of Schemes' and Regulations' business and technical (end-to-end) publications in order to initiate change requests and to maintain compliance with scheme rules
- Issuing & Acquiring
- Europe & CEMEA
- Daily monitoring and analysis of VBN, MC publications, GNS Network, EBA news etc.
- Technical release & GTLIG analysis
- Opening change requests for mandatory items
- Implementation oversight
- Detection of cost optimization opportunities (fees, opt out possibilities, best practices for different scenarios etc.).
Senior Anti Fraud Expert
Unicredit group, Zagrebačka banka
Zagreb
11.2008 - 11.2011
- SME for anti-fraud in card business
- Monitoring and investigation of Card Fraud - Issuing & Acquiring
- Detection of basic non-compliance events (Data integrity, AML related queries, Fraud performance programs, Scheme brand protection programs)
- Participating in investigations of the Ministry of Internal Affairs and State Attorney - related to card business fraud
- Investigation of internal fraud events
- Representing Bank at the National Fraud task force committee
- 6 years 2 months (total), with several positions:
Payments Acquiring - Sales Specialist
Unicredit group, Zagrebačka banka
Zagreb
12.2006 - 11.2008
- Sales of acquiring channels (POS, E-comm) to Merchants
- Sales of card acquiring products (POS & E-comm) in accordance with sales plan and service model
- Negotiation of Merchant service charges & fees
- Merchant contract management after onboarding (Key account manager)
- Education of Bank's employees and external users (e.g. Merchants' and Service providers' employees) on card Acquiring business
Branch Officer - retail
Unicredit group, Zagrebačka banka
Zagreb
10.2005 - 11.2006
- Advising and selling of Bank's products - retail
- Loan administration
- Treasury operations
- Executing A2A payments based on Client's instructions
Education
Master of Science - Business negotiation & sales management
University of Zagreb, Faculty of Economics And Business
Zagreb, Croatia06-2010
Master of Science - Criminal Justice/Police Science/Criminology
Faculty of Criminology Science
Zagreb, Croatia07-2004
Authorized Police officer - Public security
Police academy / High school education
Croatia01.2000
Skills
- Payment schemes compliance
- Regulatory compliance
- Risk assessment
- Change management
- Data analysis
- Project management
Affiliations
- sailing, hiking
Languages
Croatian
First Language
English
Proficient (C2)
C2
German
Beginner
A1
Polish
Beginner
A1
Timeline
Payment schemes compliance team manager CISEE
Nexi Group
01.2018 - Current
Member of The Management Board
UAB H Pay & Go
09.2017 - 12.2023
Compliance Manager AML / Payments
G2A.COM
08.2016 - 07.2017
Payments & Card Scheme Compliance Expert
Intesa Sanpaolo Group – Intesa Sanpaolo Card
12.2015 - 08.2016
Payments & Card Scheme Compliance SME
Intesa Sanpaolo Group – Intesa Sanpaolo Card
11.2011 - 12.2015
Senior Anti Fraud Expert
Unicredit group, Zagrebačka banka
11.2008 - 11.2011
Payments Acquiring - Sales Specialist
Unicredit group, Zagrebačka banka
12.2006 - 11.2008
Branch Officer - retail
Unicredit group, Zagrebačka banka
10.2005 - 11.2006
Master of Science - Business negotiation & sales management
University of Zagreb, Faculty of Economics And Business
Master of Science - Criminal Justice/Police Science/Criminology
Faculty of Criminology Science
Authorized Police officer - Public security
Police academy / High school education
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