Cards Senior Specialist
Abu Dhabi Islamic Bank
Total years of experience :18 years, 6 Months
Settlement and Reconciliation of Cards Accounts and Payments:
• Multi Currencies Card Product GL Accounts Reconciliation and Managing New Program.
• Multi-Currency Card operating and reconciliation Process
• BONY Settlement Transit Account Reconciliation / Chargeback Account Reconciliation.
• Cover Card Transactions - Issuer and Acquirer Incoming Settlement (MASTER/VISA).
• Cover Card Transactions - On-Us Transactions (ADIB Network).
• Settlement (VISA and MasterCard settlements are done through ADIB NOSTRO Account held in Bank of New York).
• Reconciliation of Cover\Credit Cards GL Accounts.
• MasterCard/VISA Settlements.
• Scheme Billing (MCBS/VIBS Charges).
• Reconciliation of Islamic / SME / Corporate Card Product Account.
• Reconciliation Cover Card Master & Vis Acquiring/Interco Account.
• ATM Transit Account Reconciliation for transactions settled by MasterCard/VISA.
• Processing Cover Card Payments in Prime RPA and Genius.
• Payment Reconciliation - Channel Payments (Net Banking/IVR/Mobile Payments/SMS Payments Etc.).
• DDA, Easy Instalments, COC, BT and E-Dirham card reconciliations.
• Building RCSA (Risk and Control Self-Assessment), SOP’s (Standard Operating Procedure), and SLA’s (Service Level Agreement).
• QC and QA Engineering and operating.
Offshoring and Training outbound:
• Offshoring Planning and Operating processes.
• Building training material and plan.
• Visited India to Conduct training for outsource staff.
• Tracking outsource staff performance and reporting them to onshore management.
• Handling potential risk and controlling outsourced processes.
Automation of Card Operations and Reconciliation Process:
• Automation Engineering Process on Genius, RPA and UC4 tools.
• Building processes with Genius application and Robotics Systems Vendors and coordinating workflows with them.
• Conducting training for the team to handle automation processes.
• Handling potential risk and controlling automation process.
• Excel management requirement and expectation for full automation of manual processes.
• Understanding the transaction flow, movement and the ability to pass the information to the vendor for a successful process implementation.
• Coordinating Between vendor and stakeholders.
Card product management operations Support:
• Supporting card business management team operations wise.
• Experience in cards business namely focused on product management and portfolio optimization initiatives for the card.
• New card products and growing revenue from existing card portfolio through structuring campaigns and help manage launch of such campaigns and measure performance.
Fraud Monitoring Analyst:
• Issuer, Acquirer, E-Channel Fraud monitoring.
Central Payment Operations Unit:
• Reporting to Assistant Manager and working in a team of 3 members.
• Transfer of Funds to external Banks for BT/QC/SI programs
• Sending amendments of corrections by SWIFT and UAEFTS for Remittance requests.
• Handling of all Customer queries related to Remittance.
• Coordinate with Central Bank reconciliation team for Remittance transactions.
• Checking and verifying clearing Inward/Outward Cheques.
1. Branch Operations Duties
2. Remittance,
3. Checks clearing,
4. Cash receipts checking.
1. Cashier, Remittance and Customer Services
2. Promotes and maintains positive relations with all contacts and customers.
3. Receiving, verifying and distributing cash.