Fazal-E-Abbas Najmi Email & Phone Number

Dubai, United Arab Emirates

• Successful pilot launch for the BNPL card program for Tamara KSA and UAE with push provisioning support for Google pay & Apple pay in UAE and for Mada pay and Apple pay in KSA.• Stakeholder and communication management for internal and external partners.• Setup of Program governance structure for the launch of Cards.• Designed and developed the Card authorization system for Tamara BNPL core system.• Trained and consulted the Tamara Management and Product teams for Card Issuing domain knowledge and Card operation (recon & settlement) SOPs• Supported NI with reviewing the MSA and BIN sponsorship agreements with BIN sponsors (KSA & UAE) • Played an integral role in helping Tamara Comply to the regulations by Central Banks and provided expert opinion in getting Tamara ready BIN sponsor compliance.• Reviewed & provided expert advice regarding Functional & Nonfunctional requirements for the Projects • Supervised NI (processor) to ensure that Project was delivered as per the Business Requirements.• Observed Production Pilot for teething issues (identification and resolution coordination) and performed reconciliation of the pilot transaction.

Global

Coaching and guiding students from Secondary to Masters level to choose the right path for their education and career goal.

Dubai, United Arab Emirates

Achievements:• Implemented acceptance solution (POS/Ecommerce) certified by VISA (ADVT) & MasterCard (MTIP) with Prepaid Card Issuing (VISA) a feature-rich mobile app for needs of an SME via Outcome-Driven Innovation• Established dockerized cloud (AWS) infrastructure with DevOps automation• Obtained PCI DSS certification for the technology stack & establishing security posture for the company• Migrated the QPAYI system, responsible for processing USD 1.2 billion in payment transactions, to Qatar Islamic Bank within six months• Lead a cross-functional team of 10 Rock stars to achieve business objectives, fostering team development through ongoing collaboration.• Achieved ISO22301 status by creating & implementing BCMS policies & procedures; RPO of 4 hour & RTO of 1 hour, enabling data protection during disasters or prolonged outages & ensuring PCI DSS compliance.Key responsibilities• Manage Business expectation to ensure that perfect solution is designed to curtail the requirements.• Creating Technology decks & presenting to Central Banks in the Region for Financial services License • End to end project management and process development for Projects related to o Issuing Pre-paid cards for SME owner/operators & their Employees. o Acquiring services not limited to POS & Ecommerce• Setting up Infrastructure to support the issuing and acquiring business• Performing PCI DSS & ISO certifications for technology stack & keeping systems up-to-date with the regulations• Implementing and managing the technology stack to cater to SME products• Liaison with issuing and acquiring processors, Schemes, 3rd party vendors and service providers • Managing teams to perform certifications with VISA and Mastercard for POS, Ecommerce• Building system integration layer to cater the issuance of Cards• Product development for Mobile app for both the business users and individual• Creating Information Security and IT policies & procedures for the organization

Achievements:• Architected a complete solution for Islamic Master Credit card having integration with a modern digital frontend.• Executed delivery of overall project by leading, partnering with multiple internal and external stakeholders (Openway, Mastercard, GoldenChip, Thales, Gemalto, and Avanza).• Completed the execution of the multi-million-dollar project within budget & 6 months’ time as per plan.Key Responsibilities:• Collaborated with stakeholders (internal) to determine project specifications and scope.• Served as technical liaison, supporting engineering, management, procurement, sales and marketing, quality assurance and supply base.• Developed project plans and managed project scope using methodologies to guide projects from conceptualization to implementation and maintenance.• Updated customers and senior leaders on progress and roadblocks.• Implemented best practices to drive quality IT project delivery.• Acted as a team leader in group projects, delegating tasks and providing feedback.• Demonstrated leadership skills in managing projects from concept to completion.• Strengthened communication skills through regular interactions with others.• Design solution for Digital roadmap including Mobile Application and Middleware• Manage the planning and execution MasterCard (credit card) Issuance project – Focal person for all communication with MasterCard• Manage and maintain HSM key generation procedure and processes (also the key custodian)

Karachi, Pakistan

Achievements• Successfully conceptualized and lead the development of state of the art Financial services products with LIVE deployments in several Pakistani banks. Products include: o Card management system o Mobile money system o International remittance processing system• Simultaneously managed large-scale projects effectively, and consistently delivered projects within the allotted time and budget to meet yearly KPIs• Provided technical and functional expertise to assess and migrate the National Payment systems, both locally and internationally.• Worked on the conceptualization of a shared, low cost, inter-operable digital financial payment scheme for credit unions associations across Indonesia and the Philippines.Product/Projects NBP Funds Designed and developed card management product, to provide customers with EMV and contactless cards to be used across Pakistan over 1LINK ATMs.Implemented financial middleware to provide customers with access to inter-bank funds transfers & utility bill payments via digital channels.DIBLDesigned and developed mobile money product, to provide customers with a mobile wallet (linked to DIBL account). In addition, an innovative mobile application and companion card (powered by UPI) was provided to transact.Enabled them to become the 2nd Union Pay certified bank in Pakistan, providing digital products such as QR & Tap-to-Pay (HCE).JS BankConceptualized and developed a remittance system for digitizing international remittances in accordance with SBP regulations for HRA.NBP Launched mobile banking application & internet banking. Enabled NBP to receive inter-bank funds transfers via implementation of financial middleware.Empowered NBP to become the first Union Pay certified bank in Pakistan, providing digital products such as QR & Tap-to-Pay (HCE).

Karāchi, Sindh, Pakistan

Consulting Projects:WOCCU – Philippines & Indonesia Worked with World Council of Credit Unions and its local partners in Philippines & Indonesia to assess the readiness of credit unions to connect to an interoperable digital financial payments system. Managed the project to onboard credit unions to participate in an interoperable payment system, which allowed them to transact amongst each other via a mobile application.1LINK Provided consultancy services to assist 1LINK’s migration of their financial middleware.WebDNAWorks Provided technology advisory (software, hardware & infrastructure) & assistance to setup 1st ever White Labelled ATM – Cash 1.APS – Afghanistan Worked with FAIDA, a World Bank initiative, to provide strategic guidance for APS, a national cards and mobile payment switch in Afghanistan.Conducted an overall assessment of the project and recommended a plan to optimize its operations and profitability.Conducted capacity building exercises for various use cases to develop and implement effective training programs.FBL Provided consultancy services to assist the migration of financial middleware & CMS. Performed card PIN and other sensitive data migration from one middleware to other.Mfloos - Yemen Provided consultancy services to design and development mobile money platform. Provided business requirement documents on various functionalities and use cases of mobile money system.Hey Karry – Dubai Provided project governance services to Eagle Investment company to launch Hey Karry – order delivery and management solution.Digital Bridge Provided consultancy and project governance services for the setup of Digital Bridge products and services.

Karachi, Pakistan

Achievements• Managed the entire branchless banking portfolio for Bank Alfalah as their technology partner. All solutioning related to branchless banking business requirement were done in the capacity of a Solutions Architect.• Simultaneously managed large-scale requirements effectively, and consistently delivered updates within the allotted time to meet the Partner’s expectations (BAFL) i.e. EOBI pensioner project, supply chain digitization project and SCO projectKey responsibilities• Managed a pool of consultants and engineers for project engagements• Trained and mentored resources for mobile financial services domain knowledge• Prepared & delivered technical presentations, performed demos / POCs & built client trust.• Developed Training plans and Roadmap for team members• Analyzed the needs of the business and proposed solutions to business problems• Ensured the value of the project for business in timeProjectsBAFLManaging the projects portfolio for ALIF branchless banking having multiple medium to large projects, not limited to upgrading Fundamo EE, Implementation of ESMARTS BO and Agent Portal. Launching UPI card and mobile-POS (mPOS). Other large projects include; - Supply Chain Digitization for Punjab Beverages Company (mPOS and Wallets), - EOBI Pensioners – Biometric Wallet opening, Proof of life & Carded Wallet Project- Implementation of Biometric verification system for Branch Account Opening- Integration with Remittex to bring international remittances into mobile wallets with an option to cash out at agents- Launched multiple carded wallets products e.g. Cinepax, Lootlo, Corporate payroll etc.BAFL and SCOCreated open Branchless Banking APIs to re-used within multiple integrations and performed Lead Project team for Branchless Banking implementation using Fundamo EE.

Karachi

Client:BAFL and WARID • Managing the project portfolio for Mobile Paisa having multiple small to medium projects, not limited to upgrading Fundamo EE, Implementation of ESMARTS BO and Agent Portal. Launching CUP card and mobile-POS (mPOS). Other Projects include; • Supply Chain Digitization for Punjab Beverages Company (mPOS and Wallets), • EOBI Pensioners - Carded Wallet Project with real time Bio Metric verification• Enabling Bio Metric verification for Bank Account openingDaewoo Provided Daewoo with a payment solution to top-up their proprietary travel cards via KIOSKA2ZPayments Enabled A2ZPayments to offer online payments of e-traffic challans – Traffic PoliceResponsibilities:• Training and Mentoring for Mobile Financial Services domain knowledge• Developing Training plans and Roadmap for team members• Managing and satisfying the expectations of all the Stakeholders• Analysing the needs of the business and coming up with solutions to business problems• Ensuring the value of the project for business in time• Quality Planning for project and its budget• Assisting in the preparation of user and system test plans• Delivered Functional and User Acceptance Testing• Writing Functional Specification documents• Communication - right information, right quantity, right time and right medium• Scope Management – controlling and evaluating change request

Kabul, Afghanistan

Working with FAIDA (Financial Access for Investing in the Development of Afghanistan) as Senior Technical Consultant to provide capacity building assistance to National Cards & Mobile Payment Switch of Afghanistan operated by APS (Afghanistan Payments Systems) with particular focus on improving their effective and sustainable management of the National Payment Switch. My role was to do project management for the assignment and following are the Key activities performed:• Developed Technical, Operational Manuals and related documentation.• Onsite Documentation review sessions with APS teams. During these sessions all the submitted documents were discussed and explained in detail to the APS teams.• Conducted two (2) capacity building workshops with following agenda:Certification with ParticipantsMonitoring of systemsSwitch Settlement ProcessDispute resolutionImplementation of inter-operability between banks and Mobile Money Operators in Other CountriesRole of APS for mobile money inter-operability • Workshops and presentation presented toMobile Money OperatorsAfghanistan BanksCentral Bank of Afghanistan (DAB)

Afghanistan, Kabul

Working with FAIDA (Financial Access for Investing in the Development of Afghanistan) as Senior Technical Consultant for the overall assessment & recommendations on the way forward of National Cards & Mobile Payment Switch of Afghanistan operated by APS (Afghanistan Payments Systems)My role was to do project management for the assignment and perform assessment and recommendations in the ares of Technology and Operations, following assessment methodology was followed:• Background questionnaire • Documentation review (including but not limited to Project Contract, Functional Specification document, SLAs, Agreement, System/software documentations and maunal, etc)• Conference calls • Industry data collection • On-site visit consisted of closed group sessions, interviews and workshops with stakeholders.

Lahore

Achievements• Launched UPaisa (UBank), mobile money brand in record time of 3 months.• Successfully transformed mobile payment platform SAP SYBASE 365 to work as: o Mobile banking platform (ABL) o Mobile money platform (HBL)Key responsibilities• Managed and satisfied the expectations of all the Stakeholders • Maintained the Best Practices • Ensured the value of the project for business in time • Quality Planning for the project and its budget • Risk Management: Overall risk of the project in time • Leadership – leading the team from the front • Communication - right information, right quantity, right time and the right medium • Scope Management – controlling and evaluating change request Major Projects for SAP - Sybase 365Business Analysis & Project Management for the Implementation of Sybase 365 as a Mobile Banking platform for Allied Bank of Pakistan - Jun '12 - Dec '13Development (Manager) and Project Management for Mobile application for HBL Mobile Financial Services platform - Oct '12 - Apr '13 Business Analysis & Project Management for the Implementation of Sybase 365 as a Mobile Financial Services platform for Ufone - Nov '12 - Feb '13

Transaction switching middleware to remote banking, card management to EMV compliance, ADCs to Worldwide network (VISA, Master Card) certifications and reconciliation to disaster recovery management, I have worked on a rich and diverse portfolio of e-banking / e-payments products and services at TPS, which have offered me a competitive edge and seamless integration into the mechanisms of e-banking / e-payments operations.My role of Sr. Business Analyst included:• Resource planning and allocation • Mentoring and managing team members• Documenting the Functional Specification Document• Involved in the complete Project life-cycle• Analysis and consultation for Project requirements with in-house (teams) and clients• Project implementation activities planning and execution (SIT, UAT, DR, cutover & post-cutover monitoring)Major Projects for IRIS as Lead Habib Bank Limited, - January ’12 to June '12Replacing Phoenix with IRIS; first time certification of HBL with VISA (Acquiring), along with ATM, 1Link, IVR, CRM, Moblie Banking, Internet Banking and HOST (Mysis)Allied Bank, - July ’11 to December ’11Deployment of a Reconciliation system - RECONFaysal Bank, - Dec '10 to May '11Merger of FBL and RBS; Certification of ATM, 1Link, VISA Issuing and Master Card CIRRUS acquiringTameer Micro Finance Bank, (Phase 2) - Nov '10 to Jan '11 EFT POS integration along with Card Production System migrationTadhamon International Islamic Bank, Yemen - Apr '10 to Aug '10 Single-handedly deployed IRIS as a ATM controllerTameer Micro Finance Bank, (Phase 1) - Mar '10 to Apr '10 Integration of UBPS with Fundamo through IRISUfone Payments Gateway, Pakistan - August '09 to October '09Single-handedly deployed Switching Middleware System as a Mobile banking controller

My role included:• System Certifications, Migration and User Acceptance Tests• Providing end-to-end technical assistance for numerous e-payments products like of Utility Bill Payment System, ATM Monitoring and Reporting System - InSight, Internet Banking - PRISM, Call Center system - HDA, EJ/EYE and Switching Middleware System - IRIS• Product Trainings / Presentations for Clients and TPS employees• Technical writing with respect to Product Specification documents• Accomplishment of Turn Around Time according to SLA• Tracking and updating of all the reported issues as per QSP for System Support according to ISO standards• Development of Reports using Crystal Reports 7/8/9, SQL Server 2000/2005Major Projects Muslim Commercial Bank, Pakistan, December '08 to June '09 - Team based deployment of Switching Middleware System.Standard Chartered Bank, Pakistan, July '08 to October '08 - Single-handedly deployed UBPS, InSight and HDA. Analysis, Designing, Development and Implementation of InSight Reports - Multiple deployments Utility Bills Payment System, October '07 to June '08 - Multiple deployments

SuperNova Solutions specializes in ERP sales, development, training, implementation and maintenance. I was part of the operational and client service team working on 'ERManager', a comprehensive and state of the art Enterprise Resource Planning (ERP). My responsibilities included:- Consultancy for ERManager- Successful implementation of Sales and Inventory management modules- Application testing on development server and reporting errors- Writing user manuals for developed business processes- Development of business blueprints as per client's requirements in collaboration with domain experts- Configuration, customization and deployment of ERManager at the client site, writing software requirement specification for business processes integration- Adopted the ERMIM methodology of implementation with detailed documentation- Conducting end-user training followed by UAT sessions- Post implementation support after the Go-Live for implemented modules- Basic reporting and editing with Crystal Reports and SQL Server

Application testing for XuQa.com- Daily tasks consisted of in-depth testing of developed application on local dev server, writing, recording test scenarios and reporting bugs- Thorough communication with the development team for bugs free application

Bce

F. Sc.

Gce O'Levels

Masters Business Administration