Category: Finance

Project Management, Budgeting vs Forecasting

Project Management, Budgeting vs Forecasting
Project Management Budgeting versus Forecasting
Project Management, Budgeting vs Forecasting

Mark Whitfield – Senior Project Manager – Projects Chronologically

Mark Whitfield is an SC-cleared Senior IT Project and Engagement Manager with over 30 years of experience. His career spans from early mainframe programming to leading multi-million-pound cloud migrations and digital transformations for major financial, utility, and government clients.

The chronological breakdown of his professional project portfolio, structured by his definitive career eras, is detailed below:

1. The Technical Era (1990–1995)

During this foundational era, Mark worked as a Programmer and Lead Analyst for The Software Partnership (acquired by Deluxe Data in 1994). He focused strictly on the development, optimization, and deployment of the sp/ARCHITECT-BANK electronic banking solution on Tandem Mainframe Computers.

  • Project: Barclays Business Master II (BBM II)
    • Year: 1990–1992
    • Client: Barclays (On-site at Knutsford, Cheshire)
    • Budget: Internal banking operational budget
    • Details: Handled the custom design and backend coding for a high-profile desktop electronic business banking application.
  • Project: Automated Touch-Tone Phone Banking Suite
    • Year: 1992–1993
    • Client: Girofon (Denmark)
    • Budget: Client-retained vendor contract
    • Details: Coded automated, menu-driven voice solutions operating on a Periphonics VRAM device to fetch live customer balances directly from mainframes.
  • Project: Early Digital Inter-Account Transfers
    • Year: 1993–1994
    • Client: TSB & Bank of Scotland
    • Budget: Internal product development
    • Details: Directed logic design and mainframe coding to support pioneering inter-account electronic funds transfers.
  • Project: International Banking Optimization
    • Year: 1994–1995
    • Client: Rabobank
    • Budget: Vendor-driven custom development framework
    • Details: Managed localized software optimization, custom patches, and deployment testing for global banking operations.

2. The Infrastructure & Monitoring Era (1995–2014)

Mark transitioned into a Product and Project Manager role at Insider Technologies Limited (and later a brief stint at Wincor Nixdorf). His focus shifted heavily toward platform diagnostics, high-availability transaction monitoring, and financial hardware software integrations.

  • Project: Reflex (Reflex 80:20) System Co-Development
    • Year: 1995–2004
    • Client: Multiple Tier-1 Investment Banks (including Euroclear/Crestco, Bank of England, and Deutsche Bank)
    • Budget: Part of a broader £3M Management Buyout (MBO) product portfolio
    • Details: Acted as Senior Programmer and Technical Lead to co-develop diagnostic monitoring modules for high-availability mainframes.
  • Project: ATM & Point-of-Sale (POS) Transaction Monitoring
    • Year: 2005–2013
    • Client: Barclays, HSBC, and Alliance & Leicester (now Santander)
    • Budget: Multi-year strategic technical vendor account
    • Details: Managed the integration of transaction tracking across ATM networks using ACI’s XPNET and HP NonStop architecture.
  • Project: Legacy ATM Software Modernisation
    • Year: 2013–2014
    • Client: Major UK Retail Bank (via Wincor Nixdorf Professional Services)
    • Budget: Corporate financial service transformation
    • Details: Served as Project Manager executing the swap-out of outdated, legacy ATM client systems for modernized software stacks.

3. The Digital and Cloud Era (2014–Present)

This era highlights Mark’s leadership of large-scale Agile and Waterfall digital delivery frameworks, moving from corporate gambling technology to complex, high-budget UK public sector programs.

  • Project: Mobile & Online Gaming Sportsbook Platforms
    • Year: 2014–2016
    • Client: Betfred Limited (Online & Mobile Division)
    • Budget: Multi-million phased agile commercial releases
    • Details: Led Agile Scrum development teams to upgrade payment gateways, implement fraud detection, and roll out football/horse racing mobile interfaces.
  • Project: National Air Space Real-Time Mobile Applications
    • Year: 2016
    • Client: NATS (UK-wide Air Traffic Organisation)
    • Budget: Corporate custom applications initiative
    • Details: Managed the secure Agile delivery of Apple iOS applications displaying live military and public airspace information.
  • Project: Core Systems Interface Data Centre Migration
    • Year: 2016 (May–October)
    • Client: Royal Mail Group (RMG) / Postal Services
    • Budget: £4.3 Million
    • Details: Led a massive cross-functional team of 90 Capgemini engineers to migrate over 1,100 platform data interfaces ahead of peak annual trading.
  • Project: Automated Call Centre CCaaS Telephony Implementation
    • Year: 2017 (May onwards)
    • Client: Local Regional Government
    • Budget: £400,000
    • Details: Deployed a programmatic dialler system linked with Microsoft Azure CRM to facilitate the “Support for Mortgage Interest” campaign.
  • Project: Automotive Online Car Sales and Digital Readiness
    • Year: 2017 (October)
    • Client: Jaguar Land Rover (JLR) / Aston Agile Delivery Centre
    • Budget: £1.1 Million (Split into a £670k Customer Sales Portal and a £430k Readiness project)
    • Details: Engagement Manager implementing a new-car ecommerce vehicle pipeline.

Project: Middleware & MuleSoft Anypoint Integrations

  • Year: 2018–2019
  • Client: UK Utility, Accounting, and Recruitment Industries (via MuleSoft augmentation)
  • Budget: Enterprise-wide technology vendor accounts
  • Details: Delivery Manager structuring API integration architectures across multi-million-pound client portfolios.

Project: Multi-App Cloud Migration Proof-of-Concept

  • Year: 2020 (Feb–May)
  • Client: UK Government
  • Budget: £375,000
  • Details: Directed a 3-month proof of concept migrating legacy Access, Oracle, and SQL databases to Microsoft Azure and Dynamics 365.

Project: Document Management Cloud Transformation

  • Year: 2021–2022
  • Client: UK Utility Industry (e.g., Welsh/Scottish Water)
  • Budget: £500,000+
  • Details: Managed the platform decommissioning and cloud modernization from legacy EQS document storage over to Azure Enablon.

Project: Enterprise Dynamics 365 Online Cloud Migration

  • Year: 2022 (November onwards)
  • Client: UK Government
  • Budget: £1 Million+ (Part of a larger £13.5M cloud program moving 130 apps)
  • Details: Orchestrated the launch and configuration of Azure Cloud frameworks migrating 12 historical Dynamics 2016 platforms to Dynamics 365 Online.

Project: Fish Export Service (FES) to CHIP Inspection Portal

  • Year: 2023–2024 (Nov–Feb)
  • Client: UK Government / Northern Ireland Trading Framework
  • Budget: £1 Million+
  • Details: Served as Technical Delivery Manager directing Agile Scrum teams to build cloud-hosted APIs supporting catch verification under the Windsor Framework.

Issuing vs Acquiring Banks for Card Payments

Issuing vs Acquiring Banks for Card Payments
Issuing vs Acquiring Banks for Card Payments

Proper Contingency Planning

Proper Contingency Planning

European BASE24 User Group (EBUG) dedicated to the BASE24 payment processing system

The European BASE24 User Group (EBUG) was a prominent, community-led organization dedicated to the BASE24 payment processing system. It served as a vital hub for financial institutions and vendors to exchange technical knowledge, discuss platform migrations, and influence the development of ACI Worldwide products. 

Group Overview

  • Primary Purpose: EBUG facilitated networking and technical collaboration among users of the BASE24 ecosystem, including the BASE24 Classic and BASE24-eps platforms.
  • Evolution of Scope: While it began with a strict focus on BASE24, it eventually expanded to include other ACI products like Postilion.
  • Independence: The group shifted from being an ACI-sponsored event to a supplier-agnostic forum known as “The Payments Knowledge Forum” after ACI ended its direct involvement.
  • Legacy Transformation: In its later years, it was affectionately referred to as the “Everybody Belongs User’s Group”, reflecting its inclusive stance as “The Independent Group for All Payments System Users”. 

Detailed Timeline

The history of EBUG is marked by its annual conferences held in major European cities and its eventual transition to an independent entity: 

  • 1980s: EBUG is established as a regional group for the growing BASE24 community in Europe.
  • Early 2000s: EBUG events gain prestige, featuring technical tracks on HPE NonStop transaction monitoring and payment security.
  • 2006–2008: High-profile meetings held in cities such as Istanbul (2007) and Vienna (2008). The 2008 Vienna event was notable for discussing ACI’s strategic shift toward IBM platforms.
  • 2009: The conference takes place in Prague, continuing strong support for BASE24 on NonStop despite broader industry shifts.
  • 2012: The Technical Focus Group (TFG) is held in London at Trinity House. This marks a turning point as the event moved off ACI’s premises, signaling a shift in sponsorship dynamics.
  • 2013: EBUG holds a major forum in Westminster, London, at the Institution of Civil Engineers. By this time, it is officially rebranding toward the broader “Payments Knowledge Forum”.
  • 2015: EBUG fully transitions into the Payments Knowledge Forum, an annual gathering in London that continues the 30-year legacy as an independent, supplier-agnostic body.

……….

The Payments Knowledge Forum (PKF) is an independent, user-led resource dedicated to the exchange of information regarding payment systems. It operates without vendor affiliation, bringing together financial institutions, retailers, processors, and consultants to share practical expertise and shape the future of payment activities. 

Overview of the Payments Knowledge Forum

  • Purpose: PKF serves as a collaborative hub for payment system users to discuss industry challenges, regulatory changes, and technical innovations.
  • Composition: The forum is open to a wide range of industry stakeholders, including:
    • Financial Institutions: Banks and building societies.
    • Retailers: Businesses focusing on consumer point-of-sale and e-commerce.
    • Payments Processors: Entities managing the technical execution of transactions.
    • Consultants: Experts providing strategic and technical guidance.
  • Governance: It is uniquely “run by users for the benefit of users,” ensuring that the information shared is neutral and prioritises the operational needs of the participants over commercial vendor interests.
  • Activities: PKF hosts regular events and an annual conference to address evolving topics such as ISO 20022 migration, central bank digital currencies (CBDC), and security frameworks like PSD2.

Detailed Timeline of Major Payment Milestones

The following timeline tracks critical industry milestones often discussed and addressed within the forum’s scope:

  • 2015: The Payments Strategy Forum was established by the UK Payment Systems Regulator (PSR) to create a long-term roadmap for UK payments.
  • November 2016: Publication of the “Payments Strategy for the 21st Century,” introducing concepts like Request to Pay and enhanced data standards.
  • March 2018: Regulatory Technical Standards (RTS) for PSD2 were published, initiating the transition to Strong Customer Authentication (SCA).
  • November 2018: Launch of TARGET Instant Payment Settlement (TIPS), enabling real-time fund transfers across Europe.
  • September 2019: Full implementation of PSD2 security measures, including the requirement for standardised API interfaces for third-party access.
  • 2020–2024: Acceleration of digital payment adoption following the COVID-19 pandemic, with a notable decline in cash usage at points of sale.
  • October 2021: The Financial Stability Board (FSB) published global targets for cost, speed, and transparency in cross-border payments.
  • February 2024: Swedish krona successfully onboarded to the TIPS platform.
  • April 2025: Danish kroner scheduled for onboarding to the TIPS system.
  • September 2025: Publication of the Digital Euro innovation platform outcome report, detailing findings for future development.
  • April 2026: Review of the Senior Managers and Certification Regime (SM&CR) to enhance accountability in financial services.
  • June 2026: Deadline for firms to demonstrate credible timetables for addressing climate-related financial risks.
  • 2026 (Targeted): Anticipated go-live dates for enhanced access to the CHAPS high-value payment system.

Annual Conference & Resources

The PKF holds an annual conference that serves as its primary knowledge-sharing event.

  • Recent/Upcoming: The 2026 Conference continues the forum’s tradition of deep-diving into operational resilience and the digital transformation of finance.
  • Direct Access: For the latest news and detailed membership information, visit the The Payments Knowledge Forum Official Site. 

……….

Some HPE NonStop BASE24 related User groups on LinkedIn :

BASE24 BASE24-eps User Group Forum | HP NonStop Tandem NSK IBM SUN Windows – News Events Discussion
https://www.linkedin.com/groups/51296/

PCI DSS Compliant Payments Transactions Compliance Monitoring Alerting Querying Archiving Reporting
https://www.linkedin.com/groups/146595/

HPE NonStop Tandem | Guardian OSS Performance Monitoring Management Integrity Blade Itanium ServerNet
https://www.linkedin.com/groups/165816/

BASE24 BASE24-eps – HP NonStop Tandem IBM SUN – Open System Services OSS RealTime – Experts Users
https://www.linkedin.com/groups/150095/

SATUG Southern African HP NonStop Tandem NSK Server User Group – SATUG
https://www.linkedin.com/groups/81881/

Payment Engine Applications Forum | Retail and Wholesale | HP NonStop NSK Tandem SUN IBM Windows
https://www.linkedin.com/groups/80773/

HPE NonStop Tandem NSK OSS Open System Services Monitoring – Users, Experts and Technical Authorities 
https://www.linkedin.com/groups/80740/

Job Batch Scheduling | HP NonStop Tandem Guardian Open System Services OSS Servernet Integrity Blade  
https://www.linkedin.com/groups/78111/

Top 10 Conditional Calculations in Microsoft Excel

Top 10 Conditional Calculations in Microsoft Excel

Project Management Templates bundle with free upgrades

Mark Whitfield’s Project Management templates are a comprehensive, editable suite of over 200 documents designed for Agile, Waterfall, and PRINCE2 methodologies, based on over 30 years of project delivery experience. Available through his website (click banner link above), Etsy, Flevy and Eloquens, these templates are designed to be used across the project lifecycle—from initiation to closure—and include lifetime free updates and additions. 

Many POaP Plan On a Page examples

Full Overview of Mark Whitfield Template Bundle

The bundle, priced at around £38.00 (as of April 2026), provides tools for MS Excel, Word, PowerPoint, and MS Project (.mpp). 

1. Planning & Scheduling

  • MS Project (MPP / MSP): Includes full PRINCE2 7th Edition, Agile Scrum, and SDLC (Software Development Life-cycle) plans.
  • Excel Detailed Plans: Includes Gantt chart tracking for users without MS Project.
  • Plan on a Page (POaP): Over 30 PowerPoint examples for executive summaries. 
Example Plan On a Page POaP

2. PRINCE2 & Governance

  • Full set of over 200 documents including Project Initiation Document (PID), Business Case, Work Packages, Risk Management Strategy, and Configuration Item Records.
  • Reporting: Highlight reports, exception reports, and end-stage reports. 
PRINCE2 Delivery Plan in MS Excel Example

3. Tracking & Risk Management

  • RAID Logs: Comprehensive trackers for Risks, Assumptions, Issues, and Dependencies (includes simple and detailed versions).
  • Finance Trackers: Simple and full project finance trackers (forecasting, actuals, variance, rate lookups).
  • RACI Matrix: Resource Responsibility Assignment Matrix. 
Many Project Budget / Financial Tracker examples

4. Execution & Delivery

  • SDLC: Detailed Software Development Life-cycle plans.
  • Deployment/Runbook: Execution and release planning documents.
  • Agile: Burn down and burn up charts. 
Example Agile Scrum Burn Down Chart

Detailed Timeline by Project Life Cycle

Templates provide detailed MS Project (.mpp) and Excel schedules that map out the standard project life cycle over time. The plans include notes and color-coded tasks (black: standard task, blue: artifact creation, brown: decision/event, purple: artifact update). 

Example MS Excel Delivery Plan

1. Project Startup / Initiation Phase 

  • Tasks: Project Mandate, Project Brief preparation, Appoint Project Board, Define Project Approach.
  • Key Templates: Project Brief, PID, Business Case, Project Board Structure. 

2. Planning Phase

  • Tasks: Develop the PID, Create Detailed Gantt Plans, Create Budgeting/RAID Logs, Setup Communication Strategies.
  • Key Templates: Detailed MS Project Plans (Waterfall/Agile), RACI Tracker, RAID Log. 

3. Project Execution / Control Phase

  • Tasks: Weekly Status Reporting, Risk Management, Managing Product Delivery, Stage Assessments.
  • Key Templates: Highlight Report, Issue Register, Daily Log, Financial Tracker. 

4. Project Close Phase

  • Tasks: Handover, Project Evaluation, Lessons Learned, Finalize Costs, Close Project.
  • Key Templates: End Project Report, Lessons Log, Benefits Realization Plan. 

Summary of Key Features

  • Fully Editable: Designed to be tailored to specific project needs (PRINCE2 Principle 7).
  • Access: Compatible with Desktop, Tablet, Smartphone, and Cloud (Microsoft Teams/SharePoint).
  • Support: Free lifetime upgrades (and additions) to the latest template package after purchase. 
  • Click on link in website banner above to purchase full templates bundle

Project Management Templates bundle with free upgrades.

sp/ARCHITECT electronic banking by The Software Partnership TSP

sp/ARCHITECT was a pioneering electronic banking and funds-transfer software suite originally developed by the Runcorn-based firm The Software Partnership (TSP). Following its acquisition by the American firm Deluxe Electronic Payment Systems in 1994, the Runcorn office became the European hub for what was then rebranded as Deluxe Data. 

sp/ARCHITECT electroinic banking by The Software Partnership TSP

Overview

The Runcorn operation specialised in high-availability, mission-critical banking software, specifically the sp/ARCHITECT-BANK product. This software was designed to run on Tandem Computers (now HPE NonStop), which were known for their fault-tolerant architecture. The “sp/ARCHITECT” platform was highly valued for its client-server design, allowing it to be adapted for various hardware brands, including Unix-based systems. 

Historical Timeline

  • Mid-1980s: The Software Partnership (TSP) is co-founded by Nigel Walsh. The company starts developing online banking systems in Timperley before moving to Runcorn.
  • 1990: The firm establishes itself at Norton House in Crowngate, Runcorn, focusing on electronic banking software for major clients like TSB and Bank of Scotland.
  • 1992: The Runcorn office relocates to Wingate House on Northway.
  • 1994: Deluxe Electronic Payment Systems (a subsidiary of Deluxe Corporation) acquires The Software Partnership for an undisclosed sum. The acquisition is aimed at helping Deluxe expand its global presence and accelerate the use of the sp/ARCHITECT suite.
  • 1994–1995: The Runcorn office operates as Deluxe Data, providing software design, coding, and 24-hour support for international clients including Rabobank.
  • 2000: Following a series of corporate shifts, the company name changes to EFD eFunds.
  • 2007: By this year, the operation has transitioned to Fidelity National Information Services (FIS) and is based in Aegon House, Daresbury, Warrington. 

sp/ARCHITECT electroinic banking by The Software Partnership TSP