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Sabahat Hussain, Merchant Risk Acquiring & PCI DSS Compliance Consultant

Sabahat Hussain

Merchant Risk Acquiring & PCI DSS Compliance Consultant·Qatar National Bank

Qatar

Bachelor's degree, Computer and Information Systems

Work experience

Total years of experience: 6 years, 8 months

Merchant Risk Acquiring & PCI DSS Compliance Consultant

August 2025 - Present

Qatar National Bank

Doha, Qatar

August 2025 - Present

• Risk Assessments and Risk Management before onboarding new merchants for POS and E-commerce.

• Supporting merchants to follow PCI DSS compliance measures aligned with the Card Schemes.

• E-commerce 3D Secure Transactions Integration & Validation for MasterCard Payment Gateway (MPGS), VISA-Cybersource (CYBS) and QNB Payment Gateway (HDPS).

• Assessing merchants PCI DSS levels based on the transactions processed annually and conducting enhanced due diligence on high-risk merchants.
Company industry:
Banking

Project Consultant

July 2024 - June 2025

Upwork.com

Khobar, Saudi Arabia

July 2024 - June 2025

• Consultation on project strategies for implementing payment solutions aligned with PCI-DSS standards, enhancing system security and compliance.

• Led 8+ implementation projects including drafting Business Requirements (BRDs), Functional
Specification (FSDs), managing Change Requests and designing Scope of Work (SOW).
Company industry:
Financial Services
Job role:
Information Technology

Application Consultant

May 2022 - June 2024

Euronet Worldwide (NASDAQ: EEFT)

Karachi, Pakistan

May 2022 - June 2024

• Providing Certifications related to Terminal and Host Testing for POS Acquiring and Issuance for different Card Networks.
• Performing SIT/UAT/QA related to POS Acquiring and Ecommerce Settlements Test Cases.
• Implementation of projects for integration and certifications with Payment Schemes.
• Ecommerce implementation for VISA-Cybersource (TC-33) and MasterCard (MPGS) outgoing files submission.
• Onboarding Ecommerce/POS Acquirers as per the agreed Scope of project.
• Dealing with Merchant Authorizations/Settlements and Schemes Clearing.
• Internal Application UI Testing for PCI-DSS compliance and Tokenization.
• ATM 1st level support to member banks.
• Internal System Upgrade Testing.
• Hands on MasterCard/VISA/UPI simulators to provide testing slots to member banks as per their certification needs.
• Controls management for Merchant Authorization, Merchant Acquiring and Merchant Onboarding.
Company industry:
Financial Services
Job role:
Information Technology

Product Owner - Customer Success

September 2019 - April 2022

1LINK Private Limited

Karachi, Pakistan

September 2019 - April 2022

• 1st Level Support for BPS and Switch Transactions (ISO 8583).
• Production support for applications of 1LINK running at member banks.
• Monitoring Responsibilities, Technical Support Assistance along with Incident Management.
• Dealing with complaints as raised by Member Banks and providing resolutions to their complaints.
• IMD/BIN updated document to maintain of Member Banks.
• Maintaining Contact Directory of Member Banks on quarterly basis.
• Smooth Transition of Services from DR during DR Activity and providing End User Support.
Company industry:
Financial Services
Job role:
Information Technology

Education

N.E.D. University of Engineering and Technology

March 2017

March 2017

Bachelor's degree, Computer and Information Systems

Pakistan

Skills

Motivation
Expert
Motivation
Expert
Tourism
Expert
Tourism
Expert
Educational Seminars
Expert
Educational Seminars
Expert
Public Relations
Expert
Public Relations
Expert
Public Interest
Expert
Public Interest
Expert
RESEARCH
Expert
RESEARCH
Expert
SURVEYS
Expert
SURVEYS
Expert
Payment Services Provider (PSP)
Expert
Payment Services Provider (PSP)
Expert
Merchant Onboarding
Expert
Merchant Onboarding
Expert
Content Writing
Intermediate
Content Writing
Intermediate
ISO8583
Expert
ISO8583
Expert
Project Management
Intermediate
Project Management
Intermediate
Communication
Intermediate
Communication
Intermediate
Technical Documentation
Intermediate
Technical Documentation
Intermediate
Merchant Settlements
Expert
Merchant Settlements
Expert
Agile Methodologies
Intermediate
Agile Methodologies
Intermediate
Product Design
Expert
Product Design
Expert
System Integration Testing (SIT)
Intermediate
System Integration Testing (SIT)
Intermediate
Solution Architect
Expert
Solution Architect
Expert
FinTech Consultancy
Expert
FinTech Consultancy
Expert
Production Support
Expert
Production Support
Expert
Payment Card Industry Data Security Standard (PCI-DSS)
Intermediate
Payment Card Industry Data Security Standard (PCI-DSS)
Intermediate
Payment Services Operator (PSO)
Intermediate
Payment Services Operator (PSO)
Intermediate
Person to Person money transfer (P2P)
Intermediate
Person to Person money transfer (P2P)
Intermediate
Business Requirement Document (BRD)
Intermediate
Business Requirement Document (BRD)
Intermediate
Statement of Work (Scope Designing)
Expert
Statement of Work (Scope Designing)
Expert
Functional Specification Document (FSD)
Expert
Functional Specification Document (FSD)
Expert
Bill Payments Switch
Intermediate
Bill Payments Switch
Intermediate
Digital Banking
Intermediate
Digital Banking
Intermediate
User Acceptance Testing (UAT)
Intermediate
User Acceptance Testing (UAT)
Intermediate
Ecommerce Settlements
Expert
Ecommerce Settlements
Expert
Merchant Discount Rate (MDR)
Expert
Merchant Discount Rate (MDR)
Expert
Quality Assurance (QA)
Expert
Quality Assurance (QA)
Expert
Client Onboarding
Expert
Client Onboarding
Expert
Project Implementation
Expert
Project Implementation
Expert
Service Level Agreements (SLA)
Intermediate
Service Level Agreements (SLA)
Intermediate
Core Banking
Expert
Core Banking
Expert
MasterCard Payment Gateway (MPGS)
Expert
MasterCard Payment Gateway (MPGS)
Expert
POS Terminal Card Acquiring Certification
Expert
POS Terminal Card Acquiring Certification
Expert
CRM (ZOHO)
Intermediate
CRM (ZOHO)
Intermediate
Product Support
Intermediate
Product Support
Intermediate
End User Support
Intermediate
End User Support
Intermediate
Integrated Transactions Management (ITM)
Intermediate
Integrated Transactions Management (ITM)
Intermediate
Technical Support
Intermediate
Technical Support
Intermediate
Ecommerce Acquiring
Intermediate
Ecommerce Acquiring
Intermediate
Payments Domain
Expert
Payments Domain
Expert
VISA - Cybersource (TC-33 file)
Intermediate
VISA - Cybersource (TC-33 file)
Intermediate
Merchant Acquiring
Intermediate
Merchant Acquiring
Intermediate
Service Level Agreements (SLAs)
Intermediate
Service Level Agreements (SLAs)
Intermediate
Project Delivery
Expert
Project Delivery
Expert
Change Management (CMF)
Intermediate
Change Management (CMF)
Intermediate
POS Authorizations
Expert
POS Authorizations
Expert
POS Settlements and Reconciliations
Intermediate
POS Settlements and Reconciliations
Intermediate
CREDIT DEBIT CARD PROCESSING
Intermediate
CREDIT DEBIT CARD PROCESSING
Intermediate
DUE DILIGENCE
Intermediate
DUE DILIGENCE
Intermediate
E COMMERCE
Intermediate
E COMMERCE
Intermediate
FINANCIAL TECHNOLOGY FINTECH
Intermediate
FINANCIAL TECHNOLOGY FINTECH
Intermediate
LEADERSHIP
Intermediate
LEADERSHIP
Intermediate
LINKEDIN
Intermediate
LINKEDIN
Intermediate
OPERATIONAL EFFICIENCY
Intermediate
OPERATIONAL EFFICIENCY
Intermediate
POINT OF SALE
Intermediate
POINT OF SALE
Intermediate
PROJECT MANAGEMENT
Intermediate
PROJECT MANAGEMENT
Intermediate
PROJECT RISK MANAGEMENT
Intermediate
PROJECT RISK MANAGEMENT
Intermediate
Motivation
Expert
Motivation
Expert
Tourism
Expert
Tourism
Expert
Educational Seminars
Expert
Educational Seminars
Expert
Public Relations
Expert
Public Relations
Expert
Public Interest
Expert
Public Interest
Expert

Social profiles

Personal Website
Personal Website
about.me/sabahathussain

Languages

English
Intermediate
Urdu
Native Speaker

Memberships

Upwork.com

Freelancer

January 2009

Training and Certifications

Certifications
Mc Kinsey Forward Program
Nov 2023
Show credentials
Web Designing
Oct 2017
Workshop on Robotics
Jun 2014
Training
Excellence in Customer Services for Front Liners
Institute of Business Administration
Sep 2021
NLP Orientation Session
The Institute of Mind Sciences
Nov 2019

Hobbies

  • Financial Literacy