نهال شبانة

•Execute and oversee the daily settlement processes for Visa,
Mastercard (MC), UPI, and Mada transactions, ensuring
accuracy and adherence to network operating rules.
•Doing 3 way scheme reconciliation between switch, scheme report and CBS
• Monitor and reconcile daily settlement files received from
payment gateways and acquiring banks for Visa, MC, UPI,
and Mada.
• Identify and resolve any discrepancies or exceptions in Visa,
MC, UPI, and Mada settlement data promptly.
• Conduct thorough reconciliation of transaction data between
internal systems and network reports (Visa, MC, UPI, Mada).
• Investigate and resolve settlement disputes and chargebacks
related to Visa, MC, UPI, and Mada transactions, adhering to
network dispute resolution guidelines.
• Prepare detailed reconciliation reports for Visa, MC, UPI, and
Mada transactions, highlighting any variances or trends.
• Ensure all settlement and reconciliation activities comply with
SAMA regulations and network operating rules (Visa, MC,
UPI, Mada).
• Collaborate with internal departments (e.g., finance,
operations, IT) and external parties (e.g., banks, Visa, MC,
UPI, Mada) to ensure smooth settlement and reconciliation.

Responsible about overseeing and managing the settlement
processes for Visa and MasterCard transactions. Moreover,
involves ensuring the accurate and timely processing of financial
transactions, reconciliation, and reporting.

As a recent UX designer mixed with many managerial skills with
proven research, wireframing, and concept execution skills, I was
thrilled to see the size of our project with NEOM. My company
has introduced me to lead the team who will be responsible about
NEOM authority website, my team was about 14 members
between UX designers, business analysists and content editors,
I contributed to deliver the project faster than the agreed
deadline, reducing the costs by 20% than expected

Track the daily SLA status and ensure to complete within the time.
• Analyze the payments schedule of the loan holder and the project completion percentages to
either approve or reject the following phase payment.
• Preparing payment schedule based on percentage and calculations which the client build.
• Communicate and follow up with the entities (third party) to clear the suspense if any (or
process any other issues).
• Participate in preparing the risk register entries.
• Preparing the volume forecasting for the team.
• Preparing the control chart quarterly.
• Doing the monthly reconciliation for the collection bank statements.
• Doing IQMS, RCSA, PMR audit quarterly.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data,
payment history, and purchase activity.
• Confer with credit association and other business representatives to exchange credit
information.
• Complete loan applications, including credit analyses and summaries of loan requests, and
submit to loan committees for approval.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.

• Review individual or commercial customer files to identify and select delinquent accounts for collection.
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Participate in preparing the risk register entries.
• Preparing the volume forecasting for the team.
• Assess the loan holder creditworthiness, through analyzing their financial position and the KYC
process.
• Suggest accordingly whether to grant the loan or not.
• Worked as a checker to the other team members to validate their approval/ rejections to the
loan applications.

Check the documents and the transaction details received from the entities (third parties) against the bank statement and to make sure the details are valid.
• Post the transactions in the system. And process the suspense (if any).
• Communicate with the entities to fetch any missing details.
• Communicate with the client IT to fix the tech issues.
• Participate in preparing the risk register entries.
• Preparing the volume forecasting for the team.
• Analyze the data and participate in preparing the management reports for the periodic
meetings.
• Worked as a checker to the other team members to validate their approval/ rejections to the
loan application.

Performed cash and trade reconciliation by means of identifying, analyzing and correcting transaction to position breaks.
• Responsible for data flow management and quality control to ensure all investment data was processed properly into downstream systems.
• Collaborated with company financial experts to determine the scope of each reconciliation and develop a goal for each meeting.
• Prepared quarterly and monthly performance reports for financial advisors.
• Developed a series of spreadsheets and reports that made the reconciliation process more
efficient and accurate.
• Designated as one of three analysts to be in charge of Rush Job Management.
• Increased personal skill set of software proficiency, financial analysis, and data processing.

Managed daily office operations while maintaining accurate records for all business supplies.
• Performed general accounting functions, including preparation of journal entries, account
analysis, balance sheet reconciliations.
• Accurately reconciled bank statements to clients' books and prepared financial statements,
payroll, and quarterly reports.
• Monitored, recorded, and banked cash and checks as well as reconciled records of bank
transactions.
• Trained, guided, and oversaw employees to make sure business ran smoothly.

Training with the senior accountant’s team to develop my knowledge of the accounting industry and to gain practical experience at the start of my career.
Examine financial statements to ensure that they are accurate and comply with laws and regulations.