Carlos Andrade · Xper137
Core banking migration for regulated banks and credit unions.
Independent program management for data conversion, UAT and cutover. 20+ years inside banking IT, based in Curaçao, working across the Caribbean and internationally.
Free initial conversation, confidential and no obligation.
Helping banks, credit unions and payment institutions plan, verify and complete their core banking migration.
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7
Migrations and conversions completed: platform, server and currency changes, plus one customer-data handover
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0
Rollbacks and critical incidents across all of them
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100%
Of records migrated in each one, clean and unclean data
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20+
Years in banking IT
Services
Core banking migration first. Payments and card projects alongside it.
I am engaged by your institution, not by a vendor, and I adapt to your culture and your way of working.
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Migration planning and cutover readiness.
A clear plan, dependencies and go/no-go criteria before the weekend of cutover, not during it.
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Data conversion and verification.
Mapping, mock loads and reconciliation, so the numbers on day one match the numbers on the last day.
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UAT strategy and sign-off.
A test approach the business can own, with evidence that stands up to the regulator and the board.
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Payments and cards.
Project and program management for payments and card projects, built on hands-on, end-to-end delivery: card processor interfaces, Mastercard debit switch connections for ATM and POS acquiring, SWIFT, instant payments on ISO 20022, and full issuance of chip and contactless debit and credit cards.
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Embedded program management.
I can join your delivery team as program or project manager for the length of a migration, structured as a business-to-business Statement of Work with Xper137 BV. Format and duration are agreed with each client.
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Post-go-live stabilization.
Issue triage, reconciliation follow-up and closing the open actions after cutover.
Led personally by Carlos Andrade, PMP®, PMI-CPMAI™.
How I work
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Assess.
Scope, systems, interfaces, risks and readiness. If the platform is not yet chosen, I support the selection with research, vendor comparison and a written analysis. Output: a baseline and a realistic plan.
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Convert.
Data mapping, cleansing rules and mock loads until results are repeatable.
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Verify.
Reconciliation between source and target, with every exception tracked to closure. Where it saves time, AI-assisted tooling speeds up the matching, with client data kept strictly isolated.
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Prove.
UAT with clear entry and exit criteria and a sign-off the business trusts.
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Cut over.
Go/no-go, cutover rehearsal, go-live support and a stabilization period.
Selected experience
Core banking and conversions
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2025
Currency conversion, Curaçao (ANG to XCG)
IT Manager: led the bank's IT work
Completed; no rollback, no critical incidents
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2025
Customer-data handover to an acquiring bank
IT Manager: led the bank's IT work to deliver all data
100% of data delivered; no rollback
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2012
Core banking platform migration, Caribbean bank
IT Project Manager: on the team through go-live, then part of the small stabilization team
Live; no rollback, no critical incidents
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2010
Currency conversion for a Caribbean territory (ANG to USD)
IT Manager: led the bank's IT work
100% of records converted; no rollback
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2008 to 2018
Server platform migrations, three in total
IT Manager, then IT Project Manager: coordinated all testing needed to certify each new system
No rollback, no critical incidents
Payments and cards
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2022
Instant payments on ISO 20022, Caribbean bank
IT Manager: led the bank's IT work
Went live as planned; no major incidents
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2019
Contactless (NFC) debit card issuance, Caribbean bank
IT Project Manager: delivered the issuance
Delivered in line with Mastercard requirements
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2013 to 2014
EMV chip migration of the debit card portfolio and the ATM and POS network, Caribbean bank
IT Project Manager: led, tested, certified and implemented
Certified and implemented in line with Mastercard Debit Switch requirements
Started in Venezuela, at banks with over a million customers.
About
I’m Carlos Andrade. Xper137 is my consulting company in Curaçao. For more than 20 years I have delivered IT inside regulated banks, from running IT operations to leading core banking projects.
Today I work as an independent project manager on core banking migrations: planning, data conversion and verification, UAT and cutover. I am PMP® certified and I work in English, Spanish and Papiamentu.
Xper means Experience.
Availability
For banks and credit unions: available for migration and program management engagements, on site or remote, in the Caribbean and internationally.
For hiring teams: open to senior program roles in Europe and the Middle East, and to remote contract engagements including the US. EU citizen (Dutch passport), no sponsorship needed in the EU.
Write to me directly: carlos [at] xper137 [dot] com
Start the conversation
Planning a core banking migration?
Every engagement starts with a confidential, no-obligation conversation. Tell me the platform, the date and your biggest worry, and I’ll set out a clear path forward.
Prefer email? Write to carlos [at] xper137 [dot] com
How I commit to work: the XPER standard
eXecution.
I plan, test, certify and go live with you. One senior person, from first call to go-live.
Protected.
Your data stays isolated and confidential, and is never used outside your engagement.
Evidence.
Everything is reconciled, tested and signed off with evidence you can show a regulator.
Rehearsed.
Mock conversions and cutover rehearsals until the results repeat.
Notes from the field
Articles on core banking migration, data conversion and cutover will appear here.