Liabilities: re-organization of business processes, usiness plans creation, marketing of new cards products and services; co-ordination with software and hardware suppliers; products’ profitability assessment; negotiations and contacts with international payment associations (Visa, MasterCard); V.I.P. clients support; development of acquiring relationship with the Bank merchants; creation of intra-bank regulating documents, development of new services connected with bank cards. Results: migration from one processing centre to another, Visa products implementation.

Liabilities: management of retail banking, control of sales efficiency, retail banking services market monitoring, deposits’ rates management, organization of new sales’ channels, business plan and profitability model development, creation of intra-bank regulating documents (agreements, instructions), V.I.P. clientele support, working-out credit products. Results: joining Western Union, conformation of agreements and intra-bank instructions to current legislation, working-out of new kind of deposits.

Liabilities: arrangement (full cycle) of joining MasterCard International as Affiliate Member; business plans creation, marketing of new cards products and services; co-ordination with software and hardware suppliers; products’ profitability assessment; negotiations and contacts with international payment associations (Visa, MasterCard, American Express), Sponsoring bank; V.I.P. clientele support; organization of cards operating, Fraud Preventing and Monitoring process; development of acquiring relationship with the Bank merchants; creation of intra-bank regulating documents (agreements, instructions), development of new services connected with bank cards. Results: first in Russia migration from one processing centre to another without stop of cards issuance, implementation of corporate American Express cards, implementation of merchant acquiring, implementation of MoneyGram services, development of new deposits.

Liabilities: Creation of intra-bank regulating documents (agreements, instructions), contacts with international payment associations' specialists, Risk & Fraud manager, customer support, training of the bank tellers and merchant staff.

Results: the bank became Participant Member of Visa International.

Liabilities: Implementation of bank card program

Results: 28 Russian banks concluded contracts with the bank. GUTA-Bank became Affiliate Member of MasterCard International.

Liabilities: Merchant and bank acquiring, fraud management, education of merchants and banks staff, management of cash advances.