-Managing relationship between the bank and the international payment networks.-Aligning payment network operations with the bank's overall strategic goals, driving business growth and profitability.-Leverage data analytics to identify trends, patterns, and areas for process improvement within the payment network ecosystem-Streamline operational processes and collaborate effectively with internal and external stakeholders to achieve project success-Ensure accurate and timely reporting to payment networks, ensuring adherence to regulatory requirements.-Effective resolution of complex payment network issues through strong communication and collaboration with multiple stakeholders.-Deep analysis of settlement data, identifying cost-saving opportunities and mitigating financial risks

Monitor and analyze card products’ performance periodically to ensure that desiredgrowth rates and targets are reached.Profit & Loss (P&L) Account monitoring.Assigning new BINs and monitoring the performance of existing BINs.Monitoring all debit & credit cards' authorization rates,proposing solutions todecrease possible declines and improve authorization rates.Follow up with all related stakeholders to finalize pending issues related todevelopment or launching new products.Leveraged strong product development expertise to continuously conceive, design,and launch new features for various card offerings, enhancing customer valueproposition.Conduct data analysis to identify trends and insights within the cards and payments industryAnalyze business releases published by Visa business and Mastercard.Analyze the analytical reports issued by card schemes.Manage relationships with global schemes through negotiating agreements, handlingcampaigns, communication,... etc.Conducting meetings with global payments facilitators and fintech companies toexplore potential collaborations and affiliation opportunities..Review and monitor financial movements on Mastercard & Visa P&L accounts

Maintain ongoing reporting of Foreign currency abusers to the CBE regularity reporting team on a monthly basis.Monitor cardholders' spending pattern and ensure its correspondence with their respective know your client profiles.Ensure proper usage limits for all retail cards are set in place.Report abnormal spending behaviors to the management then to the compliance team to take necessary actions.Monitoring excessive cross border transactions for all card products.Collaborating with branches and compliance teams for taking the necessary against suspicious accounts.Coordinate with the compliance department all required actions to ensure abidance by CBE regulations and implementation of AML controls.Obtain management approvals on special increases of credit cards international usage limits. Manage the unit’s operations and activities to ensure full implementation of the laws and instructions of CBE regarding card transactions.Monitor and analyse cardholders’ declined transactions on a daily /monthly basis to enhance authorization rates.Prepare Mastercard quarterly report regarding all card products’ transactions and volumes.

Conduct outbound calls for retention purposes,demonstrating the product value in order to boost the successful customer retention rates.Establish special offers and resell scenarios to meet retained customer needs.Propose new ideas and features to drive customer loyalty.Conduct defection analysis via contacting cardholders in coordination with the contact center and branches/ network who have dropped their cards in the past period.Studying the payment market and proposing techniques to optimize the usage of cards portfolio. Investigating the Payment Service Quality report in order to evaluate authorization rates and assess common decline reasons that's to guarantee better customer experience.

Prevention and detection of potential fraud across all card products.Monitoring card transactions for suspicious real-time transactions.Contact cardholders to verify suspicious transactions.Reporting fraudulent transactions to Visa (TC40 ).Collecting recovery fees for captured cards (Tc10)Exploring fraud trends by analyzing accounts and transactions patterns.Propose system improvements to protect customer data.Limit potential loss exposure by placing holds on card usage limits.Generate captured card reports; inform branches with capture reason and notify on necessary action.Opening new card ranges with schemePreparing and processing the monthly statement files.