Experience

Dukhan Bank

• Qatar
• Banking
• 300 - 400 Employee

• Cards Operations Manager

  • Feb 2020 - Present

  Managing a team of 14 members handling below tasks. 1) MC / VISA Reconciliation & Settlement (Issuer & Acquirer) - Making sure that settlement are processed correctly and accurately against the advisement & reports from MC/VISA. 2) NAPS (GCC Network) Reconciliation & Settlement - Making sure the NAPS transactions are reconciled against the GL and is settled with QCB after checking 3) ATM Replenishment & Reconciliation - Responsible for maintaining all ATM with sufficient fund and making sure replenished ATM and reconciled against the GL and entries are processed after checking. 4) Card Application Boarding - checking & approving credit card application in CMS 5) Card & PIN Printing/Delivery - Managing daily Card & PIN request printing and making sure the cards/PIN are delivered to customer on time. Making sure all the renewal cards are printed and dispatched on time. 6) Quarterly Reporting - Reporting of figures to MC & VISA Quarterly. Maintaining accuracy in reporting. 7) Corporate Card Delivery - Managing of Corporate card request and delivery of Salary cards through counter, making sure the cards are received by the Card Delivery Officer on time and is delivered to company authorized person on time. 8) Cards Product Management - supporting Products team from Operations perspective. managing of UAT & deployment of new projects / Products. 9) Digitization Project - involved in ongoing digitalization projects such as Tokenization, Apple Pay,MPGS etc. 10) GL Proofing - Making sure all the GL's related to Cards Department are daily reconciled, signed & filed daily. 11) Audit - Supporting Internal & External Audit team in their requirements.



International Bank of Qatar (IBQ)

• Qatar
• Banking
• 100 - 200 Employee

• Senior Cards Finance Officer

  • Apr 2016 - Feb 2020

  Handling daily credit card reconciliation with Core Banking System.1) Evaluating financial & strategic credit worthiness vis-a-vis industry standards and maintaining optimum level of automation of existing manual reconciliation process.2) Resolving complaints in order to achieve the closure TAT.3) Ensuring smooth processing of activity in liaison with Customer Services, Sales, Credit, Legal and Compliance Dept.4) Carrying out timely reporting of financial transactions and other regulatory / association items (local & International)5) Facilitating team building for reconciliation & settlement process including managing experienced and knowledgeable professionals for the Cards Operations functions.6) Analysing the various risks associated with the product and ways to mitigate the same; interfacing with key customers, mapping their requirements & handling product customization.7) Ensuring timely and accurate posting of all financial transactions related to card that include VISA & MasterCard settlement, interchange billing, processing of Chargeback & re-presentment activities.

• Cards Finance Officer

  • Mar 2009 - Apr 2016

  1) Managing Reconciliation and settlement of MC & VISA Credit card daily invoice2) Reconciliation of Credit card payments - CMS Report against Core Bank GL3) Processing of Reversal/Charges up on attaining proper approval.4) Reconciliation of customer balance - CMS Report against GL balance.5) Monthly MIS Reporting6) Maintaining of Card Stock.

• Cards Support Agent

  • Jan 2008 - Mar 2009

  1) Reconciliation of Credit Card payments.2) Reversal of Fees & Charging the customer when required.3) Managing Settlement of MC & VISA invoices.4) Support in the process of System Migration.

• Branch Support Agent

  • Jun 2006 - Jan 2008