Skilled professional with more than 15 years of experience (in UAE) in the development of products and solutions for Financial Services (FinTech), BlockChain, AI, Digital Transformation and ICT Fields. Transformed Etisalat to a digital & Fintech company as Services Provider for Payment Gateway, Bill Payment Switch, Mobile Payments and PKI, Launched Branchless Banking Solution with Sheik Nahyan's Dhabi Group in South East Asia, Africa. Launched pre-pad card solution through BIN sponsorship from CBD Bank Dubai. Worked as a consultant with Mozido and Virgin Mobile KSA for their Mobile Financial Services projects. Working on Open Banking Framework compliance in KSA, SAMA CSF for a PFMA Application. Managed P&L and large programs of rolling out of financial services products at regional level to offer socio-economic benefits for masses.The core skills which drive me in my life are innovation, meticulous research, positive attitude, team building, and continuous change for improvement. I am self-motivated and target driven, able to work autonomously and take full control and responsibility of an agreed charter.Major achievements:- Developed & Launched Mobile Financial Services in multiple countries- Managed programs for the development & rollout of financial platforms and switches which are offering services of ePayments and charging to thousands of consumers, integrated to few hundred enterprise customers, financial institutions (banks, Visa, MasterCard, AMEX, JCB, Diners) and public entities, collecting more than 10 Billion Dirham annually through variety of channels (mobile, web, ATM, Kiosks, Call Centre, IVR, CDM) and various payment instruments (Credit/Debit Cards, Direct Debit, e-Dirham)- Developed IT platforms with Web 3.0 Adoption, Blockchain, OpenAI APIs integrations for AI- Managing a Turkish eCommerce multi-vendor platform with 15k sellers and 1M products- Managed a card-based and mobile-based donations program to disburse approximately $1B to poor- Got compliances of PCI, SAMA Open Banking, 3DSecure, VisaNet, Acquirer, Airline Data, and security- Trained model with NLP and ML to maximize profits of publishersSpecialties: Fintech products Development and LaunchOpenAI, ML, BlockchainAcquisition of customers & merchants, monetizationProfit & Loss responsibilityCompliance and CertificationsPlanning & Strategy Program ManagementGlobal eCommerceBranchless Banking/Mobile Wallet Information Security (PKI, OpenID)Voice Biometrics (Speaker Recognition)Mobile Applications