BERNHARD REITERER

Payments M&A Integration Specialist | Operator, Not Consultant

I consolidate fragmented payment empires into market-dominant platforms - without breaking what works.

24+ years

Payments, identity & fintech transformation across banking, retail, government & regulators

4 continents

MENA, Europe, Asia, Australia - from national payment switches to multi-billion acquirer transformations, including scheme rules design

Advisory Portfolio

Accenture, ECB, Euronet, Worldline - currently advising consultants, central banks & payment leaders

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Why I'm Different

Three key differentiators that make me dangerous in M&A consolidation

⚙️

OPERATOR, NOT CONSULTANT

Currently Operating
CEO of IDCanopy (identity platform) + advising Accenture on European Payments. Not a has-been consultant - I'm IN the game. Active in scheme rules design, regulatory navigation, and real-time payment systems across multiple continents.

✓ 2 companies + 3 consulting engagements simultaneously

🎯

CRISIS-TESTED AT SCALE

Proven at Multi-Billion Scale
Transformed Network International (MENA's largest acquirer). Built KYC market leader from scratch. Currently: BaaS/CaaS for AT/GR player, payments chapter for major consultancy, automated KYB for PSPs.

✓ 100% success rate on crisis engagements

⚡

SPEED OF EXECUTION

9-Month Transformation Sprints
No 18-month 'assessment phases.' Brutal prioritization, 3-month milestones, visible results in quarters not years. Delivered full-scale transformations while maintaining operational continuity and zero customer loss.

✓ Network International: 9 months, full transformation, sustained 20%+ growth

The Track Record

From multi-billion transformations to crisis rescues and national infrastructure. Click each card to expand.

NETWORK INTERNATIONAL (UAE)

MENA's Largest Acquirer Transformation | 2010

SIGND IDENTITY (AUSTRIA)

100% Customer Retention Through Crisis | 2019-2024

AUSTRIA CARD / LYKOS

€3.5M Failed Investment Recovery | Current

PAKISTAN BANKING SWITCH

National Infrastructure Strategy | 2009

EUROPEAN CENTRAL BANK + NATIONAL BANKS

Instant Payments Strategy | Ongoing

AUSTRALIA NPP (NEW PAYMENTS PLATFORM)

National Payment Infrastructure Assessment | Launch Phase

The Consolidation Playbook

How I Transform Fragmented Payment Empires

1
🔍
RAPID ASSESSMENT
Weeks 1-4
2
🏗️
STRATEGIC FOUNDATION
Months 2-3
3
⚡
TRANSFORMATION EXECUTION
Months 4-9
4
🚀
GROWTH ENABLEMENT
Months 10-12

Timeline adjusts based on complexity. Click each phase to see deliverables.

What I Bring to LATAM Consolidation

Comprehensive capabilities proven at scale

🎯
STRATEGIC CAPABILITIES
  • ▸Post-M&A Integration (multi-billion scale proven)
  • ▸Multi-Entity Consolidation (political + technical)
  • ▸Business Model Transformation (fundamental, not incremental)
  • ▸Partner Ecosystem Design (rebuild from broken)
  • ▸Regulatory Navigation (cross-border, multi-jurisdiction)
⚙️
OPERATIONAL EXCELLENCE
  • ▸Crisis Management (100% retention under pressure)
  • ▸Political Navigation (investors, regulators, boards, factions)
  • ▸Speed-to-Market (9-month transformations, not 18+)
  • ▸Resource Optimization (brutal prioritization, quick wins)
  • ▸Stakeholder Alignment (get warring parties aligned)
💻
TECHNICAL EXPERTISE
  • ▸Full Payments Stack (acquiring, issuing, switching, rails)
  • ▸Compliance Integration (KYC, KYB, AML, fraud, risk)
  • ▸Technology Evaluation (vendor selection, build vs buy)
  • ▸Identity & Verification (SignD, IDCanopy expertise)
🌍
CROSS-CULTURAL LEADERSHIP
  • ▸Geographic Experience (MENA, Europe, Asia, Africa operations)
  • ▸Government Relations (central banks, regulators, tenders)
  • ▸High-Stakes Negotiation (PE firms, strategic acquirers)
  • ▸Direct Communication (no corporate BS, actionable)

Currently Operating

Active roles across operating companies and strategic advisory

🏢
CEO & Founder
IDCanopy
Operating Role

Identity platform for seamless digital onboarding

💼
Strategic Advisor
Accenture
Advisory Role

European Payments Strategy & Implementation

🔧
Transformation Lead
Austria Card / Lykos
Engagement

€3.5M failed investment recovery

🏦
Strategic Advisor
European Central Bank + National Banks
Advisory Role

Instant payments strategy and adoption

Not a has-been consultant - I'm IN the game

2 companies + 3 consulting engagements simultaneously

Trusted By

From central banks to PE-backed consolidations

Network International

UAE/MENA

SignD Identity

Austria

Accenture

Europe

European Central Bank

Europe

Austria Card / Lykos

Austria

Pakistan Banking Switch

Pakistan

Multiple National Banks

Europe

50+

Countries

1.6B

Annual Transactions

4

Continents

100%

Crisis Success Rate

"I don't just advise on consolidation - I've executed it at scale. From multi-billion acquirer transformations to fixing compliance gaps that attract regulators, I know what breaks, what works, and how to keep integrations on track."

— Bernhard Reiterer

Let's Talk Consolidation

If you're facing a complex M&A integration in payments, let's discuss how I can help.

Email

Direct line for serious inquiries

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LinkedIn

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Book a Call

60-minute discovery call

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What You Get

🎯

Brutal Honesty

No corporate BS. I'll tell you if it's fixable or not.

⚡

Speed to Results

9-month transformations, not 18+ month assessments.

💪

Operator Mindset

I build and run companies. I know what actually works.

Ready to consolidate your payment empire?

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© 2026 Bernhard Reiterer. All rights reserved.

Payments M&A Integration Specialist

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"I consolidate fragmented payment empires into market-dominant platforms - without breaking what works."