Duties and Responsibilities:• Lead the strategic vision and execution for card schemes across multiple markets, aligning operations with business goals.• Developed and optimized partnerships with major networks like Visa and Mastercard, ensuring compliance and cost-efficiency.• Launched innovative payment solutions, including the Visa cryptocurrency credit card in Hong Kong and basic prepaid cards in Turkey.• Expanded international remittance services and prepared Papel for market entry into Canada, Brazil, and Switzerland, enhancing global footprint.Accomplishments:• Spearheaded the successful launch of prepaid cards, rapidly increasing market penetration in Turkey.• Introduced a cryptocurrency Visa credit card, breaking new ground in digital payments for Hong Kong.• Negotiated third-party vendor solutions for market expansion into Canada and Europe, driving global revenue growth.

Duties and Responsibilities:• Managed a comprehensive portfolio of card and payment products, driving business growth and operational efficiency.• Collaborated with legal, marketing, and development teams to roll out innovative banking products and propositions.• Led the launch of tokenized payment solutions (Samsung/Google/Apple Pay) to enhance digital security and customer convenience.Accomplishments:• Successfully launched two credit card products, driving increased revenue and market share.• Introduced cross-border remittance solutions, improving international money transfer capabilities.

Duties and Responsibilities:• Managed end-to-end operations of card transactions, ensuring seamless execution and minimizing errors in payment processing.• Led a team of Nine, optimizing performance and ensuring compliance with regulatory standards.• Built and maintained relationships with vendors to improve service quality and reduce operational costs.Accomplishments:• Streamlined domestic and international payment processes, enhancing operational efficiency.• Played a key role in regulatory compliance efforts, ensuring audit readiness and internal control improvements.

Duties and Responsibilities:• Oversaw the entire card product lifecycle, from product launches to monitoring usage and managing operational efficiency.• Implemented risk management practices to safeguard against fraud and ensure compliance with regulatory standards.• Led a team of Eight, achieving exceptional results in product management, customer satisfaction, and process improvement.Accomplishments:• Launched innovative marketing strategies that significantly boosted market share and card usage.• Led the UAB Rewards and UAB cash-back programs, increasing customer retention and engagement.

Duties and Responsibilities:• Conducted in-depth financial analyses, providing leadership with data-driven insights for strategic decision-making.• Developed capacity plans and performed staff analysis to optimize resource allocation across departments.• Mentored junior analysts, fostering a high-performance culture within the team.Accomplishments:• Led performance enhancement initiatives, improving productivity across international branches.• Spearheaded Activity-Based Costing (ABC) models for better cost management across operational units.

Responsibilities:• Coordinated the acquisition and distribution of debit cards, credit cards, non-financial cards, and pin mailers to branches and clientele across the U.A.E. and Qatar.Accomplishments:• Innovated and introduced streamlined processes, resulting in significant reductions in turnaround time, increased automation, and enhanced efficiency of services, while refining existing procedures.• Headed the customization and production processes of Visa and Master EMV credit and debit chip cards.