Qualified senior executive and IT & Operation management professional offering 25+ years of progressive and diversified leadership role within progressive Banking industry handling major International Payment Card brands - VISA International, MasterCard International, Amex, JCB, Diners in terms of Electronic Payment Systems & Consumer Cards Business and Information Technology in terms of Core banking, Trade finance , Branch Automation, card management system, etc.. Turnkey Solutions Deployment. Proven expertise in setting up business initiatives/operations from pre-launch to post-launch stages; carrying out due diligence, legal-regulatory; negotiating MOU & shareholders’ agreement, registering entity, preparing business plan, locating suitable premises, staff recruitment; organizational structuring, setting up robust IT infrastructure. Operational Policies & Procedures and official launch-incorporation procedure. Skilled in delivering specialist advice on core banking solutions to Conventional banks in Middle East & Europe. Visionary and goal oriented Business Head with good experience of overall compliance, controls and governance required for business start-ups coupled with professional skills such as strong decision making, analytical, planning, strategy building, problem solving, support coordination, negotiation, budgeting, time management , Project Management, and supervision skills.
Consultant & Project Manager, Freelancer - Japan
From August 2007
Vice President - Consumer Operations
Credit Agricole Egypt
January 2007 - July 2007
Vice President- Consumer Operations, Credit Agricole Egypt
A Head of Cards unit, In charge of managing:-
Centralized Customers application data capture department for Cards, Personal Cash Loan, Cars Loan.
Internal and External investigation department.
Accounting and reconciliation department.
Dispute and Fraud investigation department.
ATM’s private label cards issuance department.
Application custody and archive department.
Also act as a primary contact with external service providers.
Vice President - IT projects management, Credit Agricole Egypt
Managing all I.T. projects
Vice President - IT Project Management
Credit Agricole Egypt
September 2006 - January 2007
Vice President - IT projects management, Credit Agricole Egypt
Managing all I.T. projects
IT Operation, Egyptian American Bank
September 2004 - September 2006
Vice President ( I.T. Operations Head ) , Egyptian American Bank (EAB)
In charge of managing I.T. Operation Division which servicing and supporting the EAB global branches network (38 Branches) and subsidiaries. By managing the following departments :-
I.T. Data Centers Operation.
Corporate Service Desk.
I.T. Assets Management.
Data Base Administration
Preparation of the I.T. Sector annual budget.
Managing the activities of the a/m functional departments.
Assist and Co-ordinate with the I.T. sector line manager for delivering targeted objectives meeting Board of Directors and LOB strategic goals.
Staff assessments and appraisals.
Set education and training plans.
Restructuring the work flow and related activities to comply with the new implemented banking package (FLEX CUBE).
Follow up and support new systems implementation and existing systems integration.
Co-ordinate with Operation Risk Management department (ORM) in the process of restructuring the LOB work flow.
Co-ordinate with I.T. security compliance officers.
Co-ordinate with Internal Audit department in relation to I.S. audit findings.
Arab African International Bank
March 1999 - September 2004
.T. Manager, Arab African International Bank (AAIB)
In charge of electronic payments systems and In charge of Information Systems Audit and Quality Controls
Managing IT developers and training them on the technical and business handling of CMS for different brands.
Project management of a CMS ready-made package implementation and its certifications with VISA, M.C and JCB. Package named MAGIX based on SCO UNIX servers – product vendor, M2M Morocco – The package composed of a back office and interchange functionality & front end AUTH. Switch functionality & POS authorization interface module & banking host system interface module.
Migration of In House developed CMS package, which run on an IBM Main Frame to become an Y2K compliant. The project has been finalized in three months time - (Oct.99 to Dec. 99)
Run a gap analysis and established the FRD for unique customizations on the MAGIX CMS to meet the bank internal business policy and systems procedures.
Development of ATM's Switch FRD & RFP for both of the bank networks in UAE and Egypt.
Implementation of ARKSYS ATM's switch to serve private label cards in the Branches in UAE Branches.
Managing a project for a full system documentation of an in-house developed banking system (13 Modules) on AS/400. The project deliverables were based on reverse engineering concept to document technical specification volumes, user volumes, quality control for IT SW production, cross reference index, system water flow diagram, end of day volume, on-line help screens.
Participate with top management in setting business developments plans and its related technical strategic directions.
Handle negotiations with software vendors and evaluate biding proposals.
POS network reforming project to establish a centralized control over 1500 POS using ‘Verifone’ ‘Veri-Talk’ system tool. six categories of application programs are in use by the network to serve different merchants categories accepting
Banking Senior Consultant
November 1997 - March 1999
Senior Consultant & Business Division Manager , Nilesoft International Software House
Managing and training new staff recruitments on banking information systems concepts and fundamentals.
Managed a complete project initiation for development of electronic banking system serving Credit Suisse Private Banking Independent Assets Managers (IAM), which enable remote On-Line portfolio management activities by IAM access to the banking system facilities and data over the INTERNET and through a front-end computer server, which run JAVA application. In this subject project we introduced a complete AS/400 platform solution including conceptual design and detail design.
Contribute in offering consultant services and technical support for CSPB regarding its Banking system named CSIBP, which run on AS/400 platform focusing on GL, credit, payments and money market modules.
Managing a project for reverse engineering of the banking package core module, and the creation of technical documentation for subject module.
Division Manager in charge for developing and implementing company marketing strategy.
Project Manager for MENA regional accounts
Regional PM for MENA, Deluxe Data International, USA & U.K.
February 1996 - October 1997
Managing implementation projects of card management system named ‘SELECT’ for major client Banks in middle east countries (Bahrain, U.A.E, Lebanon ...etc)
Managing BETA project of a new developed product serving multi- cards brands for acquiring process.
Evaluation and development of FRD for new line of products.
Pre sales support for sales forces team.
Consultant for professional services team.
RFP evaluation of anticipated prospects as part of pre-bid process.
N.B. ‘Project Management Workbench’ (PMW) was the main tool used
Credit Card Centre Manager
Arab International Bank (AIB)
February 1992 - February 1996
The role was inclusive of activities related to establishment of a fully operational Credit Card Processing Center from scratch, Including Center Architecture & Technical and None technical Infrastructure & Total Business ,Technical solution evaluation and Implementation & organization chart and staffing & staff assignments and workflow administration & training & FRD & RFP & Budgeting…etc.
Establishment of full operational cards processing center. In this challenging role I was involved in conducting different managerial and executive tasks.
Comprehensive visibility study for different strategic alternatives and solutions.
Negotiations with international H.W. & S.W vendors to elect the best solution, which meets the bank strategy.
Follow up all logistics issues in relation to the center construction to meet the international standards.
Set up the center organizational chart and its related work flow and procedures
Implementation of ‘CARDPACK/400’ cards management system on AS/400 platform including regular upgrades for the S.W and necessary H.W upgrade
Conversion of VISA cards portfolio from a third party processing to In-House processing
Upgrade Bank membership category with VISA international for acquiring services and joining M.C.
Reform the bank administrations with VISA and establishment of administrative issues with M.C.
Implementation of first on-line connection with Master Card network node in Egypt (MIP)
Development of processing services offering and pricing scheme for member Banks
Carry out training's for new graduates staff and unqualified staff to carry out assigned jobs up to international and domestic qualifications standards
N.B. Currently this center offers processing services to some 16+ Banks in Egypt.
IT Assistant Manager
Arab African International Bank (AAIB)
August 1981 - February 1992
Maintenance of computer banking batch systems on NCR platform.
Implementation of ‘MIDAS’ package on IBM 36 at bank branch in UK.
Design and Development of different Subsystems and Modules (on-line and Batch) for the in-house developed banking system on IBM 4331-4361.
Maintenance of Banking interest calculation modules and payroll system
Supervisor of in-house designed and developed cards management system since 1985 on which I carried out the following deliverables
Re-design and development of in-house Pre-EDIT and Post-EDIT processing phases for VISA cards program (issuer & acquirer)
Implementation of VISA edit package rel. 1.7,2,3,4,5,6,7
Implementation of PIN based transactions
Implementation of first on-line connection node with VISA international in Egypt. (VAP)
Implementation of first ‘EFTPOS’ network in Egypt, VISA Dial Up System & MDC were the network backbone
Implement AMEX acquiring services on POS network under a bilateral agreement with AMEX.
Implementation of first cards management and acquiring systems for Master Card in Egypt (in-house developed system).
Establishment of POS & EFTPOS
POS electronic payments and its related remote server for Electronic Fund Transefere
Establishment Of IT processing center
Establishment of IT processing center for Arab African International Bank (AAIB),
branch at London U.K., Including I.B.M 36 installation , And implementation of MIDAS package core modules and two additional modules for dealing and internal contracts
Establishment Of Credit Cards Processing Center
Refer to Arab International Bank (AIB), working experience in this profile
Ready Made Packages Implementation
1.IFLEX Core Banking Package (Retail , Corporate , e-banking)
2. MIDAS banking package of BIS.
3. CARDPAC/400 Cards Management System of CCS (renamed PAYSYS).
4. SELECT cards management system of DELUXE CORPORATION.
5. ARKSYS CMS Integrated Transaction Management (ITM).
6. CSIBP+ banking system of GBS CREDIT SUISSE.
7. MAGIX CMS of M2M – Morocco -.
8. Verifone Zone Talk & Veri Talk 9. V3 (Trintech)
Qualifications & Certifications
Skillpages has been acquired by Bark.com!
Bark.com is pioneering the way people find local services. Skillpages is the world’s premier directory of service providers.Find out more