About Silviu Timaru

Professional Journey

🇭🇺

Hungary

"Where Structure Became Strategy"

2003–2013

Hungary marked the beginning of my professional evolution. At ELTE in Budapest, I built a strong theoretical foundation in linguistics and systems thinking. In parallel, I began my career at Citibank, where I gained hands-on experience in financial services and client operations. This phase shaped how I approach complexity—with clarity, discipline, and cross-cultural fluency.

Budapest | ELTE | Citibank

"Strategy isn't born in boardrooms—it's shaped in how you learn."

🇵🇱

Poland

"Strategic Expansion & Fintech Leadership"

2013–2020

Poland was a phase of high-stakes execution and strategic clarity. At Citibank, I led over 25 prepaid card programs across EMEA and APAC, achieving 100% client retention during a massive migration from Citibank to Wirecard—a transition between two distinct entities that demanded precision, trust, and proactive communication. Alongside this, I gained exposure to the fuel payments ecosystem through a brief engagement with Shell, expanding my understanding of transactional environments in the energy sector. This chapter solidified my ability to lead under pressure, simplify complexity across borders, and build systems that scale with integrity.

Warsaw | Citibank | Vodeno | EMEA/APAC

"Retention through clarity. Growth through trust."

🇩🇪

Germany

"Infrastructure, Innovation & Integrity"

2020 | Munich

Germany was a strategic crucible. In Munich, I operated at the heart of payments infrastructure during a period of intense scrutiny and transition. My focus was clear: stabilize systems, protect client operations, and lead with integrity under pressure. This phase sharpened my ability to navigate ambiguity, uphold trust, and engineer clarity in environments where precision is non-negotiable.

Munich | Infrastructure | Strategic Clarity

"Innovation isn't chaos—it's engineered clarity."

🇵🇱

Poland

"Banking-as-a-Service Reinvented"

2021–2022 | Warsaw

This chapter was a leap into the future of finance. At Vodeno, I led the creation of a Customer Success function from the ground up, managing relationships that accounted for 73% of company revenue. But the real transformation came from operating inside a BaaS ecosystem—where agility, compliance, and scalability had to coexist. I didn't just managed client accounts, I architected trust. Navigating API-driven infrastructure, regulatory nuance, and high-growth velocity, I helped turn complexity into clarity and scale into service.

Warsaw | Vodeno | BaaS Ecosystem

"In StartUps, speed is nothing without precision. Trust is nothing without architecture."

🇺🇸

United States

"Legacy in Motion"

2022–Present | New York City

This chapter is about building what lasts. At HRS, I led payment innovation in the business travel sector, navigating complex integrations and client ecosystems. Following that, I launched my own consulting business, driving SaaS strategy and product leadership for SMBs across the U.S. And through it all, I've been deepening my strategic lens through an MBA at Hult International Business School - built for those made to do - where theory meets execution, and global perspective becomes personal impact. This phase isn't about arrival—it's about alignment. Every move is legacy-driven, every system built to serve.

NYC | HRS | OptipayX | Hult MBA

"Legacy isn't what you leave behind—it's what you build into everything you touch."

Want to learn more about my approach? Explore my core competencies or discover my mission.

Mission Statement

To design clarity at scale, building simple, indispensable tools and frameworks that help people overcome bias, unlock possibility, and preserve legacy across generations.

See how I apply this mission in practice through my core competencies and professional journey.

Core Competencies

Systems Clarity

Untangles complexity to build scalable, bias-free systems—especially in payments, where simplicity drives trust and adoption.

Global Adaptation

Navigates cultural, regulatory, and linguistic landscapes with fluency in seven languages, scaling products and ideas across borders.

Applied Intelligence

Designs AI-powered tools that solve real-world problems in finance, operations, and strategic decision-making.

Trust Architecture

Builds ecosystems and partnerships rooted in clarity, integrity, and mutual growth—across industries and continents.

Legacy Engineering

Crafts digital systems and experiences that preserve wisdom, track transformation, and serve future generations.

Languages & Strategic Fluency

🇷🇴

Romanian

Native

🇭🇺

Hungarian

Native

🇮🇹

Italian

Fluent

🇺🇸

English

Fluent

Clarity-first Communication

Translates complexity into actionable insight across cultures and industries.

Bias-breaking Simplification

Untangles systems and reframes problems with precision and empathy.

Strategic Product Thinking

Aligns user needs, business goals, and scalable architecture.

Transformation Tracking

Builds rituals and tools to measure progress and reinforce legacy.

Multicultural Negotiation

Navigates cross-border dynamics with fluency and respect.

Leadership Through Adaptability

Leads with clarity and integrity across high-stakes, multicultural environments.

Personal Interests

🌍

Cultural Immersion

Living in new countries to decode local rhythms, observe people, and absorb traditions firsthand.

🧭

Exploration & Movement

Traveling to places I've never been, not just to visit—but to understand, adapt, and evolve.

🎓

Legacy Through Education

Dreaming of offering scholarships to Eastern European students—tools that outlast circumstance.

✈️

Unconventional Certifications

From pilot training to negotiation mastery, I pursue rare skills that stretch possibility.

⛵

Sailing & Flow

Navigating open waters as a metaphor for clarity, freedom, and strategic direction.

⚽⚾

Sports Fandom as Identity

Loyal to AS Roma and the Mets, with a growing passion for global teams and athletes who embody grit and legacy.

Ready to work together? Get in touch or learn more about my background and approach.

MY STORY

WHO I AM

Professional Journey

Hungary

"Where Structure Became Strategy"

Poland

"Strategic Expansion & Fintech Leadership"

Germany

"Infrastructure, Innovation & Integrity"

Poland

"Banking-as-a-Service Reinvented"

United States

"Legacy in Motion"

Mission Statement

Core Competencies

Systems Clarity

Global Adaptation

Applied Intelligence

Trust Architecture

Legacy Engineering

Languages & Strategic Fluency

Romanian

Hungarian

Italian

English

Clarity-first Communication

Bias-breaking Simplification

Strategic Product Thinking

Transformation Tracking

Multicultural Negotiation

Leadership Through Adaptability

Personal Interests

Cultural Immersion

Exploration & Movement

Legacy Through Education

Unconventional Certifications

Sailing & Flow

Sports Fandom as Identity

Let's Build Something Bold Together