Abdul Ahad Zaki

Accomplished professional with expertise in project leadership, project management, and strategic planning. Demonstrates proficiency in solution designing, systems integration, and regulatory compliance, with a strong focus on payment schemes including MADA, VISA, MC, UPI, and JCB. Skilled in client communication, resource allocation, and cross-functional leadership to drive successful outcomes. Adept at aligning business objectives with agile methodologies while ensuring adherence to Payment Card Industry Data Security Standards (PCIDSS). Committed to fostering effective decision-making and employee management to achieve organizational goals.

• ATM L1 & L2 Certification for JCB Acquiring via UL Tool, Certified SAIB's ATMs for JCB Acquiring using UL and BTT Brand Test Tool by executing and passing all the required cases for Magnetic stripe and ICC.
• MADA Mandate 6.0.13, Implementation and Online certification with MADA for the mandate.
• SPG, Saudi Payment Gateway implementation and testing for SAIB as an Issuer for Ecommerce transactions.
• SAIB Mobile Application RIB integration with Switch via Middleware, Implementation of some new APIs to be used with the new interface. implementation, SIT, UAT and Go-Live.
• Scheme Mandates – VISA & MasterCard, Mandate Analysis for applicability check against switch. Monthly announcements from MasterCard and April/October mandates from VISA. Understanding Scheme requirement and communicating it to the clients. Managing required development from the Developers.
• Allied Bank Limited – Issuing of Co-badge cards Union pay and PayPak, Project Solutioning and project planning, as ABL was the first Bank in Pakistan to issue Co-badged cards. Issuing of EMV Co-badged Cards with one local and one international scheme (UPI and PayPak). Solution designed for the first time in IRIS to bound one card, one ICC Chip with two different schemes.
• Cardless Biometric Authentication from ATM, Technical Communication with Vendors NCR, WinCOR, Diebold Nixdorf. End to End Project managed and delivered to multiple banks. Led the Project planning and communication with vendors and internal teams. Integration of Switch with National Database and Registration Authority (NADRA).
• Allied Bank Limited – Pay Anyone via Biometric ATM, Enabled card less Biometric withdrawal on ABL ATMs. Any walk-in customer either ABL/Non-ABL can withdraw cash from ATM. Customer Biometric verification done via NADRA Biometric web service.
• Tadhamon Islamic Bank– Multi currency Remittance via ATM, Designed and lead the complete development of IRIS Core modules. Provide the facility for the customer to dispense USD, Yemeni Riyal and Saudi Riyal using their Remittance voucher.
• Bank Al Habib – Phoenix to IRIS switch Migration, Lead the complete switch migration from Development of IRIS CORE having Integrations of all banking channels like ATM, 1LINK, VISA, UPI, Internet banking, IVR and their Core Banking Host.
• OMOA-MUCODEC – POS and Merchant Management, Worked as a developer on SAGEM POS integration with IRIS. Developed POS Channel Manager and Message translator on CB2A protocol. Complete implementation of POS and merchant management setup in IRIS.
• EMV Issuing of VISA cards at Allied Bank Limited (ATM) - PAKISTAN, Implementation for VISA EMV cards issuing at Allied Bank. They have certified their switch as per the standard implementation of Visa issuing product which include visa classic and visa gold product. I have involved in this project from implementation phase until go live and post production monitoring and support.
• MasterCard 3D Secure 2.0 Rollout, Complete execution of MasterCard 3DS 2.0 has been carried out across multiple banks. Technical requirement gathering and complete project management. Decision matrix have been implemented for frictionless payments.
• Bank Nizwa – Oman - MasterCard NFC(contactless) issuing, MasterCard NFC (Contactless) Issuing Project. Completed this project for Bank NIZWA Oman. Contactless smart cards contain small but sophisticated computers and communicate with card readers wirelessly via short-range radio frequency. Handling of the Point of Service entry mode for contactless cards. Handling of ARQC/ARPC for contactless cards.