Michael Bisaga

Skills

Technical Product Management
Product Management
Pragmatic Marketing Certified – Level IV (PMC‑IV)
Pragmatic Certified Product Manager
Backlog Management
Risk Management
Product Strategy
Release Planning
Product Road Mapping
User Story Development
Senior Stakeholder Management
Product Lifecycle Management
Multinational Team Management
Agile Methodologies
Scrum
Backlog Refinement
Sprint Planning
Agile Application Development
SDLC
Retail Banking
Commercial Banking
Fedwire
SWIFT Payments
Fraud Management
Payment Card Processing
API Integration
System Integration
Systems Analysis
Solution Design
Requirements Analysis
Global Cross-Functional Team Leadership
Remote Team Management
Resource Management
Customer Product Training
Presales Technical Support
Regulatory Compliance
Business Analysis
SAFe (Scaled Agile Framework)
ACH Processing
Core Banking Systems
Agile Product Ownership
People Management & Mentoring
Payment Authorization, Hold & Settlement
Debit-Network Processing
Event-Driven Architecture (Kafka)
NACHA & OFAC Compliance
Program Increment (PI) Planning
Transaction Processing
Executive Communication
Jira
XML

About

Technical Product Manager and Senior Agile Product Owner with 25+ years delivering banking and financial technology solutions across product management, product ownership, business analysis, implementation consulting, and enterprise software delivery. I bring deep expertise in digital payments—ACH operations, debit-network rails, ISO-based authorization, hold, and settlement flows, fraud-loss prevention, and settlement accuracy—along with strong knowledge of core banking systems, deposits processing, digital banking, wire operations, regulatory compliance (NACHA, OFAC), and systems integration.

My work spans the full software development lifecycle—from customer discovery, requirements gathering, and solution design through development, testing, release, and post-launch delivery. I partner closely with product and engineering leadership to translate strategic priorities into clear, actionable requirements—turning customer, operational, and regulatory needs into specifications engineering teams can execute against. I've executed roadmap priorities across high-scale financial platforms, supported reconciliation and settlement-accuracy work across enterprise banking and payment operations, and coordinated integrations with third-party technology vendors and financial-institution clients, including fraud-prevention and risk-mitigation tooling. As an Agile leader, I've managed and coached 17 Product Owners supporting engineering teams, improving delivery predictability, reducing planning churn, and strengthening overall execution. I'm known for aligning business strategy, customer needs, and technical execution to deliver reliable, scalable, and compliant enterprise solutions.