Ali Sajjad - MBA, CRISC

Experience

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  SUI SOUTHERN GAS COMPANY

  Sept 2013 - Oct 2015

  Executive - Billing Data Analyst.

  • Preparing facts reports of complaints receives through OGRA and Wafaqi Mohtasib.• Coordinate with Regulatory Affairs Dept regarding OGRA complaints. • Coordinate with Legal Dept regarding Federal Ombudsman’s complaints.• Coordination with different Regions & Zone for the resolution of complaints.• Monitoring the compliance of Federal Ombudsman’s orders.• Monthly H.S.E.Q.A reports. • Preparing weekly reports on unauthorized meters installed (Sindh & Boluchistan) & D-cases.• Coordinate with CR dept & Sales dept.for the resolution of unauthorized meters & D-Cases. • Preparing Pre & Post comparative analysis of D-Case & unauthorized meters installed data, • Preparing Aging (number of appearance since Mar 2014) of each D-Cases & unauthorized meters. • Preparing monthly report of D-Case & unauthorized meters with reasoning of occurrence, pending cases and factual data of resolved cases.• Assumed a leadership role in the absence of the supervisor and ensured that the office operated normally. Show less

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  Bank Al Habib Limited

  Nov 2015 - Nov 2018

  POS Acquiring - Daily reconciliation and settlement of Global/Local payment scheme (Visa, Pay Pak, Master card and UPI Settlement.Inter Bank Reconciliation •Extraction & Uploading transactions data of all branches through Corona utility on daily basis.•Compile outstanding transactions of Online and test key (Foreign Currency and PKR) from Corona for onward sending to branches for reconciliation.•Coordination with branches and other departments for the resolution of outstanding transactions.•Reconciliation of Visa POS local/ international and International Cash withdrawal transactions and Settlement of Outstanding transactions in coordination with faysal bank (Issuer side) .•Reconciliation of CUP POS local/ international and international Cash withdrawal transactions and settlement of its outstanding transactions (Issuer side) •Inbound Outbound RTGS.•Daily reconciliations and settlement of transaction pertains to suspense clearing GLS•Preparing monthly statistics of Reconciliation of all currencies for submission to management.•Preparation of monthly Clearing statistics. Show less

  • Reconciliation Officer | Financial Institutions Unit (FIS)

    Aug 2016 - Nov 2018

  • Dispute Resolution Officer | Dispute Resolution Unit (DRU)

    Nov 2015 - Jul 2016
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  Dubai Islamic Bank Pakistan

  Nov 2018 - May 2020

  Senior Officer | Reconciliation

  • To reconcile all Remittances Main Account and Remittances Payable accounts (including RIA, Xpress Money, Western Union, and U-Remit).• To reconcile Vostro Payable account.•Reconcile RTGS Outward account and to ensure entries passed in our books are justified.• Reconcile RTGS Inward account along with all bank’s collection accounts.• Liaise with Wealth Management, Central operation Dept, Financial Institution and DIBPL branches to resolve outstanding transactions.• Liaise with all remitting banks/ remitting companies/ Financial institution to settle unreconciled amounts.• Preparations of statistics of outstanding amounts pertains to Remittances on daily basis for submission to department head.• Monitor and prepare central Clearing account reconciliation on daily basis and verify all the branch entries with NIFT scroll.• Accumulate all outstanding transactions pertains to clearing account and send to branches for rectification and settlement.• Check data validity and manual posting of phase-1 reconciliation Show less

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  NBP Funds

  May 2020 - Nov 2022

  Team Lead | Assistant Manager | Card Operations

  • Led digital payments operations, managing IBFT, card transactions, and utility bill payments.• Managed dispute resolution for failed transactions via SDRS (Switch Dispute Resolution System) and CDRI (Cross-border Dispute Resolution Interface), collaborating with banks and payment processors to resolve issues, initiate chargebacks, and ensure refunds.• Analyzed transaction trends, identifying root causes of failed transactions and reporting insights to senior management.• Conducted transaction fraud investigations in coordination with the Fraud Risk Management unit and acquirer banks, analyzing suspicious activity and recommending preventive measures.• Verified the company’s net settlement reports by reconciling transaction data with 1Link (Payment Service Provider) reports, identifying discrepancies, and ensuring accurate financial reporting.• Issued Debit Advice after investigating acquirer-side bank complaints.• Liaised with vendors like IDEMIA to ensure smooth and timely card issuance, embossing, and printing processes.• Conducted KYC verification for debit card requests and provided reasons for rejections.• Assist in drafting a standard operating procedure for card operations, detailing transaction flows, and its impact on end users. • Identified, reported, and worked with the vendor team and IT dept on resolving ambiguities in payment processing portals and customer management systems via JIRA.•Proficient in utilizing Jira software. Show less

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  Hubpay

  Nov 2022 - now

  Payment Operation

  • Oversee seamless processing of high-volume B2B, B2C, C2C, and C2B transactions, ensuring accurate and timely payments.• Manage ledger accounts and reconcile corporate and retail remittances.• Supervise automated and manual reconciliation, ensuring precise financial reporting.• Facilitate FX orders and multi-currency payments, ensuring compliance while leveraging SWIFT and SEPA networks for secure cross-border transactions.• Conduct inward and outward reconciliations, cross-verifying vendor reports and resolving discrepancies with PSPs.• Process and verify corporate and retail wallet credits.• Investigate and resolve payment disputes via Zendesk, serving as the primary escalation point.• Monitor transaction compliance risks and collaborate with fraud teams on high-risk cases.• Generate daily (T-1) revenue and transaction reports for corporate and retail segments using Looker.• Support product updates and cross-functional collaboration with IT, marketing, and sales teams.• Assist IT in evaluating security risks in the internal payment wallet portal, presenting findings, and implementing risk mitigation strategies.• Ensure smooth execution of Hubpay’s payment operations in Pakistan.• Document process updates, assessing their impact on efficiency and user experience.• Assist in the product development cycle, collaborating with engineering, design, and marketing teams from ideation to feature prioritization.• Develop and manage operational process flows in Miro, outlining tasks, responsibilities, and user impact.• Use Notion for task assignment, progress tracking, and completion.• Log and follow up on tech-related incidents in Notion until resolution. Show less