AI I

Advisory on card scheme certification and portfolio change management for Fintech clients, Risk Management Framework, Business Operations, Gateway integrations.

Led integration with banking partners and 1Link for BaaS platform; implemented risk policies for Paymenow (advance salary) product. Managed relationship with Visa/Mastercard schemes and ensured scheme compliance for issuing programs.

Launched EMI operations in 3 months, achieving State Bank pilot license. Executed VISA scheme certification including EMV Debit Card, 3D Secure, and Card Personalization. Integrated with 1Link and NADRA for real-time verification. Designed operational risk structure and fraud control program.

Obtained SAMA license for Islamic Credit Card and Mastercard scheme licenses (Credit & Prepaid). Led full Mastercard certification suite: EMV, 3D Secure, CPV, and MDES (Tokenization) digital first, Apple Pay readiness. Managed vendor selection and due diligence. Established Operational Risk function from scratch.

Launched E-Wallet under Bank Negara EMI license; secured Mastercard Prepaid issuance license. Led technical integration with Card Management System and executed Mastercard EMV, CPV, and 3D Secure certification. Managed mobile app development and KYC integration.

Led 300+ fraud risk professionals across APAC; managed Buyer/Seller Risk and Acquiring Risk strategy. Reduced fraud cases by 25-30% within 3 months via process automation and enhanced underwriting controls for high-risk merchants.

Led EMV compliance migration project (Mastercard) delivered in 4 months. Program Manager for Mastercard Credit Card portfolio; managed scheme relationship and technology enhancements for fraud prevention. Reduced fraud losses by 60% in 6 months; designed Basel II-aligned Operational Risk structure; chaired BRCC.

Established audit function reporting to Board Audit Committee.

Consolidated authorization and fraud monitoring for 15 markets into a single global hub, achieving $2M monthly savings. Established Disaster Recovery site and complex BCP. Managed Amex card scheme EMV compliance and led Fraud function for SEA.

Managed 100,000+ charge card portfolio; led Underwriting, Collections, and Fraud functions. Led EMV conversion project for Amex Malaysia. Reduced application fraud by 100% and overall fraud losses by 300% in a high-risk market.

Completed Google Agile Project Management certification.

Earned Mastercard certifications in Fraud Risk, Acquiring Risk, and Scheme Compliance.

Completed the Accelerated Development Program (ADP) at the University of Chicago Booth School of Business.

Completed Amex Management Training: Compass 40 in London/NY.

Certified Islamic Finance Professional (CIFE) from Ethica Institute, Dubai.

Completed Risk Management Certification in Consumer Lending from Fullerton, Dubai.

Earned an MBA in Marketing from Preston University, Pakistan.