Payments Customer expectations for security, user experience, and processing are rising. App-based services and cryptocurrencies are disrupting the payments ecosystem. Cyber threats and fraud have become more sophisticated alongside these technologies. Consumers are incorporating credit cards into their debt portfolio at an ever-increasing rate, bringing opportunity to capitalise on swipe and interest revenue, but simultaneously flooding institutions with applications, credit limit increases, disputes & chargebacks, call volume, and more.No one is immune to the uncertainty of future risks, making it more critical for C-suites and boards to anticipate future emerging issues. Our business technology consulting professionals become your trusted advisors, providing guiding insights and strategic vision - realised through a unique blend of payments industry knowledge, product experience, and business acumen.Protiviti helps payments firms to be more effective and efficient in a way that is risk-sensitive, regulatory compliant, well-controlled, and enabled by leading technologies.Our firm is widely recognised for delivering practical solutions to financial organisations that embody the five characteristics needed to succeed in the face of disruption: human, flexible, intelligent, innovative, modular. We have assembled integrated teams of industry and process advisors with the skill to help executives develop pragmatic, transformation, risk-sensitive solutions to confidently face emerging challenges and identify opportunities for structural transformation that align with your core values to ensure sustained future growth.Together with Robert Half, the world's first and largest specialised talent solutions firm, Protiviti offers the unrivaled combination of consulting expertise with Robert Half’s deep pool of highly skilled and experienced professionals to solve your business challenges using our unique, flexible delivery models. FAQ Guide on the Use of AI for Financial Crime Compliance Ask financial crime professionals what the most challenging part of their job is, and most will likely say it is the timely identification of suspicious activity. Learn more What we do Our services Leadership Our Services Our payments consulting advisors provide solutions tailored to your organisation’s unique needs in the following areas. Pro Briefcase Cybersecurity Cybersecurity is a top priority for boards and ERM functions seeking proper visibility and understanding of their cyber threat landscape. We help firms protect data by assessing, developing, implementing and managing end-to-end agile solutions to help you safely grow your business. Pro Building office Managed Solutions We provide a unique and flexible delivery model for consulting, implementation and operations services to help you address short-term skill gaps, deliver project results, and transform your organisation by creating the right team that can scale up or down quickly and cost effectively to fit your needs. Pro Document Consent Technology Whether you are looking to automate, modernise, or embark on an end-to-end transformation journey, our technology consulting solutions can help. We have experience in developing solutions for alternative credit and financing models, real-time payments, super apps and digital wallets. Pro Document Files Data and Analytics Using data to identify untapped opportunities is a powerful competitive advantage. Our advisors support your data needs from data strategy and governance through the development, design and implementation of advanced analytics and digitalisation using artificial intelligence and machine learning. Pro Document Stack Digital Transformation Evolving needs and customer expectations challenge even the most agile organisations. We help you think differently to redefine customer experience, explore new operating models, create enhanced digital channels, and build skills that instill a culture of innovation and agility. Pro Legal Briefcase Risk Management Proactive leaders know they must adopt more innovative risk management practises to succeed. We help you leverage emerging technologies, harness data and and maintain a strong control environment so you stay on the leading edge of risk management while improving your bottom line. Pro Workflow Flowchart Operational Resilience Our advisors work closely with your key stakeholders to integrate industry best practises and tailor business solutions to help you reduce operating costs, increase productivity and service, build resiliency and reduce the capital required to support business goals and objectives. Pro Tools Gear Ecosystem partners We work across our partner ecosystem to develop solutions and offer unbiased technology recommendations, single-sourced solutioning, and agile collaboration to solve your most complex challenges. Featured insights and client stories WHITEPAPER Sanctions and Export Controls: The Current and Future Landscape for Global Financial Institutions For two years running, Protiviti has published a paper on the major sanction developments in the past year and our expectations for the coming year. We did this, in part, because the pace, scale and enforcement of economic sanctions reached... WHITEPAPER The Compliance Playbook: Navigating the Financial Services Industry’s Compliance Priorities in 2025 As we enter the new year, the financial services industry once again faces compliance risks that are increasingly diverse and complex. INSIGHTS PAPER Understanding the Impact of the EU AI Act: A Primer for Financial Institutions Navigate the EU AI Act's impact on finance with our strategic guide to compliance and ethical AI use. PODCAST Podcast | Advantages of Greater Legal and Compliance Collaboration In a rapidly evolving regulatory landscape, the integration of compliance and legal functions has never been more crucial. In the latest installment of the Protiviti Legal Perspectives podcast series, podcast host Chad Volkert and Protiviti Managing... WHITEPAPER Reframing Regulatory Change: Adapting to Win Regulations continue to expand in number and scope, driven by a variety of sources. As a result, the industry must deal with regulatory change on an ongoing basis. Some companies take an ‘adapting to win’ approach, which benefits not just how they... INSIGHTS PAPER Best Practices for Building a Sustainable PCI DSS Compliance Programme Creating and maintaining a sustainable PCI DSS compliance programme is a crucial and complex task for organisations to protect payment card transactions and uphold consumer trust. However, despite the PCI DSS standard being around for almost 20 years... Button Button Leadership Andrea Rista Andrea Rista is Director at Protiviti Italy and Protiviti Bulgaria, with focus on Business Risk Consulting, Corporate Governance and Internal Audit services.In Protiviti since 2004, he developed strong skills in internal audit, risk management, corporate governance, and ... Learn more Stan Oparanov Stan Oparanov is Director at Protiviti Milan and Protiviti Bulgaria. Stan is one of the leaders of Protiviti Bulgaria and focuses on the use of technology and innovation in management consulting, risk management, compliance and internal audit.He has strong ... Learn more
