Building next generation payment solutions.Mobile wallet solutionNeo and digital banking

As a seasoned professional in mobile financial services, I have participated in the design and implementation of services worldwide. My expertise includes service design, customer experience and flow, regulation tuning, and fraud controls implementation. I work closely with authorities and regulators to shape the regulation, controls, limits, and AML rules to fit the market needs and ensure a smooth consumer experience and flexible product design.To evaluate project potential and predict consumer adoption models, I actively participate in market and consumer research and build consumer surveys prior to launching new services or products. I also create project commercial strategy and GTM plans, including detailed launch campaigns and possible on-ground sales and marketing activities, as well as strategic tactical moves to expand product functionality and lead the market.Handle end-to-end customer experience and design the omni-channel flow for use cases that can be accessed through different channels, including USSD, IVR, and mobile app, with a unified experience and service flows. I also develop customer acquisition strategies, set sales targets, commissioning strategies, and establish the necessary logistics to ensure an effective and efficient acquisition plan.In addition, I build business KPIs, monitoring, and revenue analysis reports with multi-dimensional criteria that monitor the growth rate, product awareness, and customer engagement. Additionally, I implement security and fraud controls, starting from data storage controls and system integration API authentication and integrity controls, to fraud controls such as white or black labeling, velocity, racing, limits, blacklist, and other auditing controls.

Handling payment products from commercial perspectiveCreating product concepts, go to market strategy, market proposition and marketing planWriting financial business casePlan the yearly and quarterly commercial agenda and the launch plansManage marketing and advertising campaignsHandle focus group and create needed researches for new products

Work with Business Development and marketing teams to design and implement the new products deployment and roadmapOverseen unit activates, strategic planning, and process enhancementReview and approve product contract, SLA, release, and documentationPeople management, recruitment, and career developmentBudget allocation and monitoringMobile payment team managementBuilding etisalat online/offline credit card processing gatewayDesigning the self service kiosk integration and storyboard, and manage the technical product integration and configuration

- Heading the payment team to deliver Cash In, Out and Mobile money transfer systems- Design a mobile payment gateway as the middleware layer between telecom nodes and integrated bank back end system- Plan, design and implement the user interfaces including USSD, SMS, Mobile App, Cash register systems, Web client and STK menus- Responsible for the e-Topup, e-Bill payment, Mobile payment, Mobile money transfer, Mobile commerce, Mobile banking services and e-Voucher system to deliver and achieve up to 75% of the daily revenue stream- Align with different teams (IT, Network, Sales, Finance, RA, customer care, regularity … etc) to implement mobile commerce roadmap within the allocated budget and the commercial launch timeline- Technical lead in Etisalat Egypt RFP for e-Voucher system handling the technical solution side and evaluating different vendors to study the technical, commercial and business offers- Implementing Etisalat Egypt e-Voucher system including deploying TMS and POS integration- Technical lead in Etisalat Egypt mCommerce RFP, responsible for putting the RFP requirements and compliance matrix, calling for tender and evaluating vendors from the technical, commercial, business, security and integration points- Putting and enhancing the strategic plans for mobile payment system and prepare for any feature upgrades or enhancements- IT fraud management team member creating system alarms and KPIS supporting the fraud business team

- Design enhance and plan the feature roadmap for the solution core engine- Respond to RFP compliance matrix and providing compliance level, comments and notes for business, security and technical sections- Implement and design the new requirements and provide technical solutions or customization and CR scope for customers and development team- Create, enhance and implement the new product feature and participate in algorithm enhancement- Enrich the platform capabilities and features and prepare the system road map- Key person in the eTopup and m-Payment solution design and member from the founders group- Manage new customers after the contracting team sign off starting from gathering the requirements, implementation, integration, CR Scoping and run the UAT till the customer approve the system with the RFS document before handing the contract to the support team- Act as account manager in major upgrade project from the scoping phase till the acceptance UAT phase- Market research and product upgrades, align with development team to enhance the solution functionalities and capabilities to compete in a high, rapid and tough market

- Developing a new web interface for mobile MMS website, (web to MMS website) the website was like a gateway with free and VAS services and e payment solution- Developed (www.alomms.net), AloMMS was the first site to provide complete end to end solution between Web and MMS gateways to offer Web to Mobile MMS messaging service- Promoting the service and doing the major SEO activities to ensure the website is search engine friendly and attract new members

- Developing dynamic web sites- Developing eCommerce, medical, sport clubs web sites for the company clients- My part was gathering the information and requirements, preparing the analysis document and the quotation- Design the database and coding the web site

- Promoting ADSL service, configuring new lines (ADSL, Leased Lines) and establishing (wired/wireless) networks- Worked with different network equipments like Cisco routers, and IP Based DSLAMs