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Otto Vos is an experienced business analyst and product owner with a diverse freelance background across multiple organizations in the payment industry. Current engagements include a role at CCV since November 2022. Previous positions include product ownership for web applications at International Card Services and managing analytical and technical aspects at Rabobank, Visa, and Payconiq. Otto Vos has expertise in merchant services, compliance, mobile payments, and product management, demonstrated through significant contributions at major companies such as ING Nederland and Verifone. Educational qualifications include a Master of Arts from Leiden University and various degrees in IT auditing and human resources management from renowned institutions.