PCN Contracts is the external consulting business and project delivery team within the Payments & Cards Network Group.

We are passionate about delivering a truly high level of service and we take this passion to every project we support. PCN Contracts can deliver the right solution at anytime and anywhere within the Fintech and eCommerce domains.

Andrew Mullineux, Business Leader Contracts & Project Services

Phone: +31 203 030 257


Project / Programme Management

PCN Contracts can provide solutions that will enable you to deliver your business, technology and regulatory change projects using the right customer centric operating models, systems, processes, controls and risk management. Our Product & Programme Management Consultants have extensive experience within the financial services domain, delivering multiple projects at the highest international level.

We can deliver:

  • Programme Managers
  • Project Managers
  • Implementation Managers
  • Integration Leads
  • Lead PMO’s
  • PMO Analysts

Business Intelligence & Data

Business Intelligence is the applications, infrastructure, tools, and best practices that enable end-users to access and analyse information (data) to improve and optimize decisions and performance. Our Business Intelligence division is where you will find the people that you need to help you get where your business where it needs to go.

We can deliver:

  • Business Analyst
  • Functional Analyst
  • Information Analyst
  • Data Analyst
  • Financial Analyst

QA & Testing

High quality QA and Testing services are crucial. Whether it is mobile, a web service or a regular web application for a new payment gateway or you’re carrying out a large migration program, the right Test Management and Testers are critical. Our experienced Test specialists can perform the whole range of test types: unit testing, integration testing, functional testing, acceptance testing and performance testing.

Our test teams can help move you from manual to an Automated testing, designing and implementing the tools and software necessary to perform continuous integration and continuous delivery effectively.

We can deliver:

  • Head of QA/Testing
  • Test Manager/Leads
  • QA Engineers
  • Manual Testers
  • Automation Testers
  • Performance Testers
  • Integration Testers

Fraud, Risk & Security

The world is becoming ever more connected and the choices for payment channels and services for consumers is growing rapidly. But with this choice comes increased opportunity for fraud.

Striking the right balance between fraud prevention, conversion and customer service is a challenge and requires specialist who have the right, up-to-date knowledge and ability to analyse, implement and monitor the right strategy for your business.

Our Fraud, Risk and Security specialists have extensive experience in the financial services, eCommerce and Payments industries and can tailor fraud strategies to individual needs, by product, market sector and geography.

We can deliver:

  • Head of Fraud/Risk/Security
  • Fraud Risk Managers
  • Cyber Security Specialists
  • Fraud Analysts
  • Security Analysts
  • PCI Compliance Specialists

Innovation & Product Management

Innovation has always been important and now it’s happening at a faster pace than ever and the incorporation of new technology into financial services is making things more exciting all of the time. Behind every great product or service in the market is a great team and we are very much focused on supporting innovation and product development in financial services and eCommerce. Tell us what you need to find… someone with LEAN Start Up, Design Thinking and Agile experience? We can help.

We can deliver:

  • Innovation Managers
  • Innovation Leads / Digital Consultants
  • Customer Journey Specialists
  • Experiment / Validation Specialists
  • Product Owners
  • Product Managers

Tech & Infrastructure

More and more people are moving to digital platforms and highly scalable, innovative, multi-channel applications are required for effective interaction. Great engineering is crucial to enable our customers to build the products and services which keep them competitive. An effective infrastructure and maintenance strategy and the teams to deliver that are also critical.

We can deliver:

  • Software Engineers
  • Developers
  • DevOps
  • Infrastructure Engineers
  • Application Engineers
  • Network Architects… & more


Payments & Cards Network has the largest network of payments, cards and financial technology related specialists in the world and through our networks we can tap into decades worth of knowledge and project delivery experience to find a solution which suits you.

We can deliver:

  • Payments Consultants
  • GDPR Consultants
  • Innovation / Digital Consultants
  • Strategy Consultants
  • Mergers & Acquisitions, Change & Transformation

    Our Change & Transformation division is our network of Consultants who specialize in driving and facilitating the desired changes to people, process and technology to help achieve improvements in efficiency, effectiveness and stakeholder satisfaction.

    We can deliver:

  • Transformation Directors
  • Transformation Managers
  • Change Managers
  • Agile Coach’s



    Product Owner

  • Client: Payment Service Provider (PSP)
  • We delivered: A Product Owner
  • Location: The Netherlands
  • PCN Contracts provided a Product Owner to develop an omnichannel proposition for one of the leading PSP

    Migration Programme Team

  • Client: Global Payments Technology & Acquiring Bank
  • We delivered: Migration Programme Team
  • Location: Singapore
  • PCN Contracts sourced and delivered an international team to the project location in Asia, which included a Test Manager, Tech Lead, Programme Planner, PMO Lead and PMO Analysts. The team is part of a large, international migration programme.

    Instant Payments Test Manager

  • Client: Major Dutch Bank
  • We delivered: Instant Payments Test Manager
  • Location: The Netherlands
  • PCN Contracts delivered a crucial person to the Instant Payments Programme in 2017 who understood the complexity of instant payments and could oversee the whole testing scope of the programme.

    Payments Specialist, Data Scientist & Data Engineer

  • Client: Dutch Fintech Bank
  • We delivered: Payments Specialist, Data Scientist & Data Engineer
  • Location: The Netherlands
  • A team in place to both develop a new payments product for the German and Dutch markets and design and build a new data lake, set up BI and analytics.

    Programme Manager, Project Manager & Test Automation

  • Client: German Acquiring Bank
  • We delivered: Instant Payments Test Manager
  • Location: Germany
  • We delivered a Programme Manager for a large tech build, a Project Manager to manage the application layer migration and a Test Automation Consultant to work on developing automated software testing environments.

    Innovation Lead

  • Client: Dutch Innovation Lab
  • We delivered: Innovation Lead
  • Location: The Netherlands
  • PCN Contracts supports Innovation Labs around the world and on this occasion, we provided a Lead Innovation Consultant to take an idea for a new banking service from ideation, through validation, development and ultimately to market (in 2020+). The project is ongoing and we are continuing to provide additional resourcing support as and when needed.


    Andrew Mullineux, Business Leader Contracts & Project Services

    Phone: +31 203 030 257