Open to opportunities

Rida Mazhar

@ridamazhar

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Experienced banking professional specializing in merchant payments and reconciliation.

Pakistan

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What I'm looking for

I am seeking a challenging role in payments or reconciliation where I can apply my merchant settlements, reconciliation and MIS expertise, drive process improvements, and grow into broader operations leadership.

I am a banking and fintech professional with eight years' experience across merchant payments, reconciliation, financial accounts and card operations, currently working as an Associate in Card Operations for Mashreq Bank. I hold an MBA in Banking and Finance and certifications in operations and finance management.

My background includes managing merchant settlements, deferred commission invoicing, reconciliation, MIS reporting and cross‑functional coordination with international partners and internal stakeholders to ensure timely, accurate payments. I have led account settlement and centralized cards operations, improving processes and resolving operational issues.

I am committed to accuracy, timely financial controls and continuous process improvement, with practical experience in AML/CTF compliance, KYC, Islamic banking principles, and a range of banking platforms and tools that support operational efficiency and service quality.

Experience

Work history, roles, and key accomplishments

Current

Associate - Card Operations

Current

Mashreq Bank

Aug 2022 - Present (3 years 2 months)

Manage merchant payments, reconciliation and financial account flows for card operations, improving accuracy of merchant invoicing and timely recovery of commissions and rental fees across Amex and Diners.

Payment Processing Financial Accounting Invoicing Amex Diners Settlements Operational Controls

Manager, Account Settlement

SkyQuest

Dec 2019 - Feb 2022 (2 years 2 months)

Led account settlement operations, coordinating with operators, merchants and international partners to ensure timely settlements, collections reporting and issue resolution.

Settlement Operations Collection Reports Reporting

Officer II - Centralized Cards

BankIslami Pakistan Limited

Mar 2015 - Aug 2018 (3 years 5 months)

Processed VISA debit card requests, managed dispatch and returned card handling, maintained daily MIS for card processing and resolved branch discrepancies to improve customer service.

Card Operations Visa Processing ATM Card Handling

Officer I - Service Quality

BankIslami Pakistan Limited

Mar 2015 - Aug 2018 (3 years 5 months)

Monitored branch service quality and customer complaints, maintained branch health checklists and compiled reports for HSQS to drive improvements in customer satisfaction and operational standards.

Quality Reporting Root Cause Analysis Customer Experience Process Improvement

Intern - Operations

United Bank Limited

Feb 2014 - Mar 2014 (1 month)

Conducted operational and financial analysis, supported account opening procedures and assisted with daily deposits, payments and clearing/NIFT functions during a 4-week internship.