PFP-Consult is a Belgian based company founded by Philippe Bekaert who has tens of years of experience in the financial industry. The business goal was and is to put this experience to the service of financial institutions by providing consultancy.

Philippe started in a major Belgian bank as an IT- developer and became functional analyst. After a couple years of Credit Risk Modeller he returned to his passion of Payments where he became Payments product Manager. During this period he supported the Belgian banking community in the migration towards the roll out of SEPA Credit Transfers and the start of the SEPA Direct debits.

After this period he went to SWIFT to work on the eBAM (electronic Bank Account Management) project. He developed the dedicated ISO20022 messages for eBAM initiated the business justification for the new solution to the ISO organisation.

Philippe took also up the role of sr. Business Analyst for the customisation and implementation of a Payments Framework for SEPA and International Payments at SIBS, the Portuguese domestic ACH, and Nordea, an international Scandinavian banking group.

He became project manager for the implementation project of a Payments Platform and for the project concerning the required internal changes for the SEPA roll-out within ING Bank.

The last couple of years Philippe worked as Functional architect on Payments and Cash Management projects in BNPP Fortis.

Recently he started as Functional Architect on the E2E processing of the Solvency II reporting of AG Insurance, the largest Belgian insurance company.

More about Philippe

More about

Philippe Bekaert

Philippe Bekaert Profile picture

Philippe Bekaert

Managing director PFP-Consult

Personal information

Location: Antwerp region
Born: 03 March 1963


Payments (SEPA, International, e-payments)
Cash Management
Stock Markets


Dutch: Native Language
English: Full professional proficiency
French: Professional working proficiency

Professional skills

  • SEPA
  • International
  • ISO20022
  • ACH
  • e- and m- payments
Cash Management
Card Payments
Team Management
People Management


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2016 - present

AG Insurance

Functional Architect
IS Functional Architect responsible for the architectural approach of the business lines Assets, Finance and Risk (covering Solvency II processing flows) for AG Insurance.
Inventory the E2E processing for different Business Groups (Life, Non-Life, Employee Benefits and Reinsurrance) for Solvency II towards the Ageas Group. Providing support on architectural solutions and approaches for new projects.
AG Insurance logo
2012 - 2015

BNP Paribas

Entreprise Architect on Cash Management
Entreprise Architect for the Shared Service Center Cash Management of the BNP Paribas Group. Working on Business Activity Monitoring, Notional and Physical Cash Pooling solutions.
BNP Paris Bas
2011 - present


Head of Payments Consulting Services at Clear2Pay
Team Manager of the pool of Payments Consultants.
Heading and coaching the group of professional consultants in the business domain 'Payments and Cash Management'.
2011 - 2012


Payments Project Manager
In charge of Requirements gathering, Demo and Definition phase of an International Payments project in order to realise the One Bank concept towards all customers of ING.
2009 - 2011


Senior Business Analyst
Within Clear2Pay, I'm businesswise responsible as senior Business Analyst for the realisation of different payments products in specific projects for:
- the Portuguese ACH SIBS and its bank customers (BES, CGD (including its foreign branches) and IGCP): SEPA Direct Debit (SDD) project
- the largest Scandinavian Bank (Nordea): a large multi-country Nordic Payments project for International Credit Transfers (SWIFT) and SEPA Credit Transfers (SCT)
2009 - present


Founder and Project manager
PFP-Consult is founded in september 2009 in order to provide senior consultancy services to financial institutions in the domains of Payments (SEPA, International, Cross Border, SWIFT and domestic payments) and Cash Management. This covers roles as Functional Architect, Business Architect, Project Manager and Sr. Business Analyst.
Also trainings are given during Febelfin courses, where Febelfin is the Belgian Banking Federation.
2008 - 2009


Senior Business Analyst
As Senior Business Analyst within SWIFT I worked on a Standards solution (eBAM-electronic Bank Account Management) for Corporates and their banks in order to improve the creation, maintenance and usage of accounts hold by international operating Corporates and their international operating banks. This project started with the collection of customer needs during meetings and on location early 2008. In respect and in accordance with SWIFT's BP828 (Standards development and implementation process) the solution was modeled and developed during 2008 and early 2009 in XML. In the mean time the solution was forwarded for endorsement to the Payments SEG of ISO20022. From July 2009 the solution went in testing phase and is life since May 2010.
2004 - 2007

KBC Bank

Product Manager Net Settlement Systems
Responsible for the Net Clearing and Settlement Mechanism (CSM) in Belgium, the CEC.
Also business responsible for the EBA services: EURO1, STEP1 and STEP2 (=PEACH).
This means also the follow up of the development of the SEPA products SCT and SDD by the CEC and EBA/STEP2. I'm also responsible for the follow up of the related business developments by EACHA, other CSM's, SWIFT, ...
Member of several Payment working groups: CEC and EBA. Good knowledge of the Single European Payment Area (SEPA) and the related technical issues (XML, FileAct, ISO20022, EPC,...)
KBC Bank
1999 - 2003

KBC Bank

Credit Risk Model Developer
Developer of a Credit Risk Model for small companies, self employed and farmers. The model was developed with 3 other colleagues in collaboration with a French company (Experian). Also experiance with the development tool SAS for collecting data and developing statistics.
KBC Bank
1992 - 1998

KBC Bank

IT Analyst
In this period I worked on Client Accounting and the General Ledger of the KBC branches. Also I developed monthly reporting tools and follow up systems for the legal reporting of the different branches.
KBC Bank
1988 - 1991

KBC Bank

IT developer
Started my professional career as IT Developer (Cobol and CSP) within a dedicated team for a new state-of-the-art solution specific for the foreign bracnhes of Kredietbank (now KBC). Tasks were the development of mainframe screens and the processing of conditions and terms for the different legal structures.
KBC Bank