Manage the Settlement and Reconciliation of Bank's Scheme Products including Debit Cards, Credit Cards, Prepaid Cards, ATM & Cash Acquiring and Merchant Acquiring POS point of sales & PG ecommerce payment gateway.Control the Core Banking Operation's GLs and Financials.Digitalize and automate the Reconciliation process, Core Banking GLs entry and other Bank operation activitiesManage the relationship between the Banking Operation Units and Finance department.

Managing the functions of Reconciliations and Settlement related to POS point of sale, Ecommerce and Fintech QR/NFC Transactions for Seven Acquiring and Fintech Bussinesses positioning in three countries in MEA region (Transaction Count around 200K and Amount reach US$ 10 million in daily basis), Ensur paying the Merchants on time and manage the liquidity by ensure collecting the transaction amount from Schemes in the right time with minimal error.Managing the Reconciliation and Settlement for Twelve Banks - Issuing Cards positioning in Six countries in MEA region with Approx. Transaction volume US$ 700K.Familer with Bahrain CBB, Oman CBO and Egypt CBE rules, regulations and reports for three Businesses Acquiring, Fintech and Issuing Cards.Familiar with Visa, MC, AmEx, UPI, JCB and Diner rules, regulations and reports. Also, same for local Switches Bahrain Benefit and Oman OmanNet and Egypt Meeza.Experienced in Operaton Switches and Systems such as Postilion, ACI CMM, MasterCard Ecommerce Platforms MC MPGS, FSS, Paysis Vision-Plus, Benefit PG, Bank Settlements system AUB B2B, JP Morgan and BONY.• Deputize the Head of Operation in managing the Operation requirements for the new products and project from all operation aspects. Also, perform the ad hoc operation studies and analysis to ensure the effeciency, effectiviness and feasibility of operation functions across operation areas (Reconciliation,Dispute, Fraud &Risk, Client Onboarding, Customer Services units)• Coordinating between Operation Dept and other Depts such as Finance, Sales, IT, Delivery and product for matters related to the setllement and reconciliation.

• Managing the functions of Reconciliations related to POS point of sale and Ecommerce Transactions (Count around 100K and Amount around US$ 4 million daily) for four different Acquirer Bank environments AFS and Ahli United Bank in Bahrain and Ahli Bank of Oman and Bank Sohar in Oman for each Visa and MC schemes. Also, local Switches Benefit and OmanNet, JCB Japanese Cards and UPI Chinese Cards, Ecommerce Platforms MC MPGS, FSS iPay, Benefit PG, OmanNet PG, E-Invoicing System “Floosy” platform and “AFS Plus” for Banks have AFS Card Issuing TPP program, Bank Settlements with AUB B2B system in Bahrain and ABO B2B system in Oman, Working Capital and Cash flow management.• Deputize and Assist the Operation Manager in managing different areas of Disputes and Chargebacks, Fraud and Risk related to ongoing Transactions and Merchants Risk Evaluation, Merchant Services and On-boarding for the four Acquirer Banks in Bahrain and Oman. Also, managing Fintech solution products “bWallet” in Bahrain and “eFloos” in Oman as Long as Fintech solution “4th Wave” for Al Salam Bank in Bahrain.• Coordinating between Operation Dept and other Depts such as Sales, Marketing, Business Projects and Analysis, IT and Field Support.

Merchant Acquiring Services

Managing, Analyzing and reporting to managers on: Key performance indicators, Monthly Reports, Payables, Receivables and Reconciliations.