Fazal Malik

Cell: +971**-***-****

ad3oeo@r.postjobfree.com

Abu Dhabi – U.A.E

https://www.linkedin.com/in/fazal-malik-3a451854/

Seeking a career in the Card payment industry / Fintech, where I can utilize my expertise and 20 years of industry acquired knowledge across various payment products, with an opportunity for growth and advancement.

To prove as an asset to the organization and flexible to any challenging career, only with a yearn to learn and grow professionally.

Personal Details

Sex

Male

Place of Birth

Dubai, UAE

Nationality

Canadian Citizen

Languages

English, Urdu, Hindi, Punjabi, Arabic

Driving License

Holding Valid U.A.E & Canadian Driving License

Work Experience:

Director- Merchant Acquiring & eCommerce Business Development.

Magnati – (First Abu Dhabi Bank)

April 2022 – Till Date.

Job Purpose.

To manage & retain MAGNATI’s Merchant Accounts in Abu Dhabi, Al Ain & Western Region and achieve annual Volume, Commission & Profitability targets from these relationships.

To have deep relationship & understanding of future plans of key accounts in order to maximize the revenue potential & business opportunities.

To plan, manage and grow assigned portfolio of all Merchants.

Relationship management for assigned Merchant Accounts and end to end ownership of each and every relationship.

Proactively work on acquiring Key NTB accounts.

Onboard merchants on Magnati -Super Surprise Marketing Platform; an inhouse built innovative AI/ML based BRAND AFFINITY tool built on card buying behavioral patterns to drive SPEND CAMPAIGNS, to reduces higher cost of participation, cost of ATL/BTL marketing campaigns, improves ROI and eventually drive revenue for Marchant partner and Magnati.

Jointly work with KEY accounts to explore possibilities for joint marketing and secure offers/ discount deals to increase spends on Magnati terminals and win superior share of merchants processing business.

Strive to be merchant preferred processing partner by employing Cross Sell and New Revenue Growth Opportunity and Data Monetization

Partner with other merchants/ brands where customers have strong brand affinity and utilize the opportunity for further cross sell.

Work closely with the Corporate Banking team to grow penetration of POS business from existing relationships.

Proactively manage sales against variances and/or competitor activity.

Work proactively with technology and merchants to meet changing customer needs and requirements.

Ensure to abide by the compliance programs that monitors obligations towards external parties including & not limited to Regulatory / Card scheme / PCI DSS rules & regulations

Periodical fraud awareness training across all relationship.

Ensure increase in opt-in ratio in DCC at potential merchants to improve DCC revenues

To increase MAGNATI’s share across all DUAL relationships.

Drive profitable growth of existing merchant portfolio.

Liaise with Chargeback team to ensure minimum chargebacks in the respective portfolio.

Lease with external vendors like First Data- Vision Plus related developments and Monex – DCC partner for enhancements and other POS providers.

Account Specialist III – ATS.

JPMorgan Chase Bank – Merchant Services.

May 2021- Oct 2021.

Job Purpose.

Respond and support both hardware (terminals) and software (E-commerce) calls.

To answers emails from internal and external sources.

Answer internal calls and externals calls from merchants calling with e-commerce inquiries/ escalations.

Respond to email inquiries from internal and external partners

Assist with special projects such as terminal software, Merchant Prime, TSYS, Base24 and hardware launches

Manage and complete technical escalations.

Support Vendors/OEM and business partnership on ongoing projects.

Head of Sales Merchant Acquiring & Commercial Cards.

National Bank of Ras Al Khaimah – RAKBANK

Mar 2018 - April 2021

Key Success.

Self On-boarder and Accounts Manager to E-Commerce channel partner – Amazon Payments services previously known as PAYFORT.

Job Purpose.

Leading the acquiring business for the RAKBANK.

Manage the Acquiring and Commercial Cards business for RAKBANK, including full product, Risk and P&L responsibility

Lead & drive innovation and transformation agenda across the business and managed/shared services.

Build a culture across the team to consistently seeks opportunities to improve and innovate, whilst maintaining a passion for operational excellence and outstanding customer service.

Define risk policies to better manage the acquiring business, ensuring agreed processes are implemented and deliver appropriate risk mitigation strategies.

Design and delivery of Governance frameworks across the acquiring and Commercial Card Business.

Compliance with Domestic and International Card Scheme requirements, including PCI DSS and those of the domestic regulators and regulatory bodies.

Represent the Bank on key payment industry forums, driving innovation in payment, whilst maintaining appropriate security standards.

Drive strategic initiatives across our business and support payment channels across business.

Manage Scheme and regulatory partnerships and key vendor relationship.

Sales channel (internal and external) management.

People and talent management.

Accountable for Schemes Compliance, as well as representing the business at Industry and Regulatory forums.

Managing the sales team and key account managers to ensure Gross acquiring volumes/ financial targets are achieved.

Building a profitable portfolio for the bank and ensuring minimal losses / write-offs.

Defining sales process, policy and strategy for the business.

Implementing healthy pricing strategy to ensure profitable portfolio is always achieved.

Building and developing sales verticals, business referral channel and DSA management.

Reviewing existing policy and business practice.

Enhancing relationship with existing merchants to cross-sell other solutions and banking product.

Merchant retention and complaints resolution.

Conducing ongoing merchant audit ensuring compliance with policy.

Regular review of Commercial / Corporate cards payments portfolio to ensue desirable spends and securing repayments to minimize DPD flows, write-offs / delinquencies.

Sr. Merchant officer – TDMS Outbound

TD Canada Trust – Merchant Solutions.

Jan 2017 till Feb 2018

Job Purpose.

Enhancing relationship with existing merchants to cross-sell other solutions, Terminal upgrades and contract renewals.

Providing exceptional technical support to clients via telephone, email and ticket system in a fast-paced professional manner.

Providing technical assistance and support for end-users by troubleshooting hardware, software and networking issues

Merchant retention and complaints resolution.

PCI-DSS- Merchant education and best practice.

Field incoming support requests submitted through phone calls/ emails.

Documenting all support issues and escalations through provided ticket control system.

Use of remote support methods (phone, internet) to provide merchants with technical support of POS systems and program functionality.

Conducting bi-weekly team meetings along with the team manager to address, newly discovered issues with terminals and to attain solution by involving internal product team and engaging external partners.

Timely circulation of minutes of the meeting and follow-up with the partners to ensure timely resolution is achieved and all open/ pending tasks are addressed on a priority basis.

Business Development Representative -VAR/Partnership

Global Payments Canada.

June 2016 – Dec 2016

Job Purpose.

Develop EMV Partnership Business in assigned territory.

Establish new Business Partnership with VAR/ OEM for Global Payments Canada/USA.

Manage existing and develop new portfolio of ISV/ VAR/ OEM partners for Global Payments Canada.

Maximize revenue from existing and new partnership by establishing merchant referral program and executing successful channel campaigns.

Establish long-term relationships with ISV/VAR/ OEM decision makers and their Key customers.

Identify and cultivate partner relationships related to the POS VAR community.

Act as an account manager for the partners and ensure referred leads are converted into accounts.

Conducting monthly meetings with partner to jointly explore new business opportunities and to address solution gap to ensure compliance with payment industry card schemes changing requirements, such as EMV, contactless, Mobile payments, PCI- DSS tokenization, encryption, loyalty, etc.

Communicate all stakeholder’s outcome of the meetings via email and to document solution gaps, required enhancement and partner commitments.

Bi-weekly revisiting pending/ open items via email /phone ensuring project completion as per agreed TAT.

Corporate Sales Representative.

Budget Car and Truck Rental –Avis Budget Group.

July 2015 Till May 2016

Job Purpose.

Registering new corporate on Budget Corporate Discount program.

Greet customers and discuss the various types of vehicles available for rental.

Provide information about rental items, such as availability, operation or description.

Provide information about additional services and coverage offered. Explain rental fee and applicable policies.

Qualifying customers for vehicle rental as per rental policies.

Preparing rental forms /contracts, obtaining customers’ acceptance and signature.

Reporting daily, weekly and monthly sales performance to H.O.

Credit Card Specialist.

TD Canada Trust.

Nov 2014 Till June 2015

Job Purpose.

•Inbound customer service specialist for personal credit cards.

•Authenticating callers in line with the given compliance/procedures.

•Processing callers request on real time system.

•Cross selling /up-selling of other retail TD products.

AVP -National Sales Manager -Merchant Acquiring, E-Commerce and Cards Marketing.

Frist Abu Dhabi Bank.

Sept 2010 - June 2014

Job Purpose.

•Development of Merchant Acquiring product into a core contributor for the Card Center.

•To also ensure minimum 100% growth in number of merchant accounts, improve merchant average commission rate and enhance earnings thorough focused penetration of target segments with minimum risk proposition.

•Participated in the launch and management of GEMS Co-brand cards, one of the first and only education Co- brand card in the UAE. Managed and fulfilled related commitments ensuring superior value proposition were visible to all the parties.

•Worked closely with Corporate Banking group (CBG), SME, Business Banking Group (BBG), liabilities team, Cards marketing and also made use of branch banking channels to secure acquiring business for Merchant services by cross selling.

•Developing Annual Plans for Acquiring Business involving sales, volume, technology initiatives and potential merchant partners.

•Developing and executing sales plan by territory and merchant segments across the country. Worked closely with the Corporate Banking team to grow penetration of Point of Sale (POS) business.

•New business development through relationship building, acquiring new merchants and targeting competition merchants.

•Coordinated with Head – Payment Solutions & Services in developing, reviewing and ensuring adherence to unit Budget.

•Identify opportunities of joint marketing & on-boarding merchants for programs such as special discount / offer to cardholders.

•Represented the NBAD in meeting with Visa, MasterCard, JCB, CUP, Diners and AMEX in rolling out promotions, campaigns, new initiatives, etc.

•Abided by the compliance programs that monitor obligations towards external parties including & not limited to Regulatory / Card scheme / PCI DSS rules & regulations.

•Representing the unit before auditors, such as Departmental business audit, PCI- DCSS audits and other regulatory compliance audits.

AVP –Collection and Recovery

MashreqBank PSC –Credit Risk Management

Aug 2009 – Aug 2010

Job Purpose.

•To manage flows & bucket balances across all products as per plan. (SBOL, SBL, MOD and PLF).

•To ensure productivity numbers are achieved as per target, by implementing allocation strategies amongst in-house officers and collection agencies to manage flows effectively.

•Monitor and evaluate the domestic agencies, as per agreed deadlines with timely feedback / recommendation on performance to facilitate decision making.

•Manage delinquencies / Gross write off (or recovery) within agreed budget / plan.

•Manage audit requirements for the in-house officers and collection agency (local and international agencies) within the prescribed guidelines / standards.

•Tracking on daily basis bucket wise resolution on total collection and highlight the key areas of concern to the collection manager.

AVP –Merchant Overdraft.

MashreqBank PSC

April 2008 - July 2009

Job Purpose.

•Development of Merchant Overdraft product into a core contributor for the SME business Unit.

•Ensured Good quality growth in earnings thorough focused penetration of target segments with optimal risk proposition.

•Work closely with Merchant settlement and liabilities team to leverage branches and other alternate channels (e.g. E-banking, debit cards Etc) as key distribution and delivery channels for SME business growth.

•Ensured team is motivated and sales MIS is in place.

•Ensured development of new innovative MOD propositions as per needs of the identified market / segments.

•To closely manage the MOD portfolio based on diverse parameters to ensure continual control and management of portfolio.

•Overall sales process management, portfolio management and generation of detailed & segmented MIS and carrying out appropriate analytics to ensure ongoing guidance to the sales team and also to amend product / process parameters that are not appropriate.

Cluster Manager -Merchant Acquiring.

MashreqBank PSC.

March 2004 – March 2008

Job Purpose.

•To plan, manage and grow the entire acquiring business in the assigned territory and business segment.

•Responsible for the entire revenue, volume, number of merchants and terminals in assigned area.

•Manage and grow relationship with owner / Finance Managers / Director Finance of large companies to get business for the bank.

•Continuous growth and development of the business through new signings and retention of customers with intent of maximizing the revenue potential.

•Participated in the various spend campaigns, such as Double Point (1+1 points) spend campaigns initiated by MASTERCARD – UAE for On-us cards in event like, summer surprise, GITEX, Diwali etc.

•Recruit aggressively new merchants to grow market share of volume and terminals

•Target and acquire key accounts of competition banks through product offer, pricing, relationship and service.

•Defend existing merchant relationship from predatory competitors through superior service, relationship building and regular interaction.

•Interaction on behalf of merchants with Authorizations, Charge-back, Fraud Management and Settlement Departments within the bank.

Business Development Manager.

TBMS-DSA for Mashreq Bank PSC.

July 2002 – Feb 2004.

Job Purpose.

•Opening of Corporate/ Individual Accounts at branch level

•Ensuring activation, usage and funding of current accounts.

•Sales of Credit Card and card activations.

•Sale of Point-of-sale terminals.

•24/7 "On Call" support for merchants, including all technical faults (trouble shooting) expected from the usage of the point of sale terminal.

Administration & Sales Executive.

Al Jouzer Transport LLC.

April 1999 – June 2002.

Job Purpose.

•Sales and Vehicles allocation & staff scheduling.

•Invoicing and billing

•Handling customer relations.

•Payment collection & invoicing.

•Liaison with bank.

Education: Bachelor of Business Administration - (BBA – Marketing) 2002

Newport University, California, United States.

Industry related key Competency:

•In depth knowledge of Card Issuing, Credit risk, collections, channel management and Merchant Acquiring Business.

•E-Commerce.

•PCI-DSS

•Payment Card association, related payment rules & regulations. (Including costing, payment and settlement)

•Card present and absent charge back rules and regulation.

•Merchant Authorization rules and regulation pertaining to Retail, Travel & entertainment, Hotel, Car Rental and other segments.

•Merchant fraud and investigation, pertaining to card tampering, skimming and STIP processed transaction.

Recognition: Awarded the prestigious Silver Star Award by MashreqBank for outstanding performance in 2004, in June 2005.

Again, awarded the prestigious Silver Star Award by MashreqBank for outstanding performance in 2007, in May 2008.

Euraka 2008 - for suggesting best cost saving Ideal for Card operation.

Projects: During the same period, I was also part of the project team which successfully launched the WOW Credit Card, the region’s first chip and PIN based loyalty credit card.

Apart from the above, I have been part of numerous projects whereby pre-launch testing for new software’s was conducted.

Professional Trainings and certification:

•PCI-DSS training (National Bank of Abu Dhabi)

•Wholesale Credit Policy (Mashreq Bank PSC)

•Retail Credit Program (Mashreq Bank PSC)

•Anti – Money Laundering and Combating Terrorist-Financing. (Mashreq Bank PSC)

•Harvard Mange Mentor –Budgeting (Mashreq Bank PSC)

•FinnOne - Collection System (Mashreq Bank PSC)

•Merchant Prime, TSYS, BankSys, First Data -Vision Plus and Base 24.

•Collection Skills- (Mashreq Bank PSC)

•Mashreq IT – Security. (Mashreq Bank PSC)

•Overview of Retail products (Mashreq Bank PSC)

•Passed ISO-9001:2000 Standards exams in 2002, certified as Quality Coordinator by IRCA, United Kingdom

•PCI-DSS – National bank of Abu Dhabi and Deloitte Middle East.

Computer Skills: MCITP, Advanced MS-Excel, MS-Word, MS-Power Point, Windows.

References: Available upon request

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