Senior Product & Program Leader — Payments (EPI · Instant Payments · PSD2/PSD3) · AI Governance · DORA · KRITIS / NIS2 · regulated delivery on GCP under BaFin scrutiny

Frankfurt am Main, Germany · German (native) · English (fluent)

I translate regulatory mandates into shipped systems. 15+ years across payments, fintech, cybersecurity, and public-sector mobility, with payments as the deepest thread: PayPal, gaming-payments compliance, multi-gateway platforms, BaFin-supervised core banking, and today European payment sovereignty (EPI) in transit. I run the operating doctrine regulated enterprises are converging on, AI at the edges, deterministic core, in a production-grade lab I own. I'm building toward Principal-level mandates where payments and AI governance meet regulated-industry delivery.

Senior Product Manager, Cubic Transportation Systems (2026– · at Cubic since 2021) — Umo Pass, EMEA payment sovereignty: European Payments Initiative (EPI) digital-identity integration with account-centric transit infrastructure.

• Cubic Transportation Systems — Senior Technical Project Manager (2021–2026): turned around a 3M+ user public-transit platform from 1.6 to 4.0 app-store stars through Germany's politically critical Deutschland-Ticket national rollout, with zero downtime; secured €2M+ in annual client renewals through sustained SLA compliance. Delivery-governance case study →

• Velvon Bank — Product Manager (2019–2020): translated KWG requirements into deterministic engineering specifications for audit-ready core banking on GCP, under BaFin scrutiny, for a German banking-license acquisition.

• Earlier (2007–2019): Head of Product Management (Oddspedia) · PMO advisor to Tier-1 German banks on MiFID II-era core modernization (DXC Technology) · consumer-security delivery (Avira) · payment & licensing compliance (Tipico) · PayPal, Dublin.

• PSPO II · PSM I · Executive MBA program — Postgraduate Certificate (Dublin Business School).

I run my household's infrastructure estate the way a regulated hub-and-spoke organization should run: one reconcile shape, doctrine that lives once, AI under symmetric human/machine review, drift treated as the primary enemy. It's household-scale by design. The claim is the operating model, not the headcount, and I practice the doctrine here daily before I argue for it anywhere else.

Case study: running an infrastructure estate like a regulated hub-and-spoke organization →

Regulators already ask organizations to prove the operation matches its own policy. As AI moves into delivery, that becomes the defining product-leadership problem: auditable decision paths, deterministic cores where reproducibility is non-negotiable, and drift control. That is the seat I am building toward. The operating model above is how I already work.

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name: Maurice Jobst
location: Frankfurt am Main, Germany (Rhein-Main)
languages: [German (native), English (fluent)]
current_role: Senior Product Manager, Cubic Transportation Systems (2026–present; at Cubic since 2021)
experience_years: 15+
career: [PayPal 2007–2010, Tipico 2010–2012, Avira 2012–2014, Nuance 2014–2015,
         DXC Technology 2016–2018, Oddspedia (Head of Product) 2018–2019,
         Velvon Bank 2019–2020, Cubic Transportation Systems 2021–present]
domains: [payments, instant payments, payment sovereignty (EPI/Wero),
          product management, program management, AI governance,
          regulated-industry delivery, public-sector mobility, core banking]
regulatory_context: [BaFin, KWG, KRITIS, NIS2, DORA, EU AI Act, MiFID II,
                     PSD2/PSD3, Instant Payments Regulation, EPI]
highlights:
  - "3M+ user public-transit platform turned around from 1.6 to 4.0 app-store stars
     through the Deutschland-Ticket national rollout, zero downtime"
  - "€2M+ in annual client renewals secured through sustained SLA compliance"
  - "Audit-ready core banking on GCP under BaFin scrutiny for a banking-license acquisition"
credentials: [PSPO II, PSM I,
              "Executive MBA program — Postgraduate Certificate (Dublin Business School)"]
building_toward: Principal-level product/program mandates — payments leadership and
                 AI governance × regulated-industry delivery · Frankfurt / Rhein-Main
contact: {linkedin: "https://www.linkedin.com/in/mauricejobst/", email: "maurice.jobst@gmail.com"}

Payments (EPI/Wero · Instant Payments · PSD2/PSD3) · AI Governance (EU AI Act) · DORA · KRITIS / NIS2 · Regulated Cloud (GCP, BaFin-supervised) · Product & Program Leadership · GitOps / Infrastructure-as-Code

LinkedIn — the conversation starts here · maurice.jobst@gmail.com