 ADC Division: In Charge - Dispute, Fraud & MIS Management Department July 2018 – Present

Responsibilities:
1. Checking and maintaining the compliance of Card Operations and Card Personalization process
as per different circulars and guidelines issued by Bangladesh Bank in different times including
the most updated and latest circular, PCI-DSS and PCI-Card production security requirements.

2. Supervising the team members, managing all dispute cases & stimulating towards dispute
resolution through different dashboards of Q-Cash, NPSB and VROL

3. Supervising the Fraud monitoring team, Card Transactions Monitoring through Tranzware Fraud
Monitoring system (TWFA), Validation of system generated audit trail (Voice call record, Card
Blocking time, Card Blocking User, e-mail notification if any required from Fraud monitoring
team).

4. Continuous follow up for closure/resolution of fraudulent transactions and always update the
progress to the key parties involved.
5. Generating various MIS report, IMC report, fraudulent report & VISA-QOC report etc. from TWR-
CMS and VOL (Visa Online) for reporting to Bangladesh Bank, VISA and our higher
management.
6. Preparing office notes, Memos and any sort of internal & external communication notes & drafts.
7. Processing, Maintaining and releasing different bills to local vendors and company like ITCL,
SSL, LARK, Thakral Information systems etc through proper management approval
8. Preparing, Maintaining and releasing of different foreign (FC) payments like “In principal
payments” for Software purchasing, Annual Maintenance Charge (AMC) payments for Software
maintenance as per the Master Customer Agreement (MCA), Service Level Agreement (SLA),
Memorandum of Understanding (MoU) to international vendors and company like VISA, VISA
Fundamo, Nihilent Tech, etc through proper management approval
9. Maintaining liaison and communication with Regulators and Vendors like Bangladesh Bank,
BTRC, VISA, ITCL, SSL, LARK etc.

 Mobile Banking Division: Head of Operations February 2017 – May 2018

Responsibilities:
1. Project Management: i) Requirement initiation & Analysis ii) Propose to Vendor and invite quotation &
SOW iii) Quotation & SOW analysis iv) Propose to management for approval v) Issue Work Order vi) Monitor
& follow up development progress vii) Perform UAT (User Acceptance Test) viii) Go on live and finally start the
remittance payment process to release the project cost to the national/ international vendor.
2. Merchant acquisition & settlement: i) Merchant wallet creation in the system after acquisition and
related system configuration accordingly ii) Fund settlement to Merchant’s Bank account through two layer
financial transaction ( in Mobile Banking solution & BEFT Network system if Merchant bank account in other
bank and in Mobile Banking solution & Core Banking solution if Merchant bank account in IFIC Bank)
3. Software maintenance, enhancement, products and features incorporation as per business model and
regulatory (Bangladesh Bank) requirement
4. Utility Bill/Airtime/MobiCash settlement: These are the processes for Fund transferring to different
platforms from IFIC Mobile Banking platform which require double layer financial transaction.
5. Bulk salary disbursement: i) Corporate wallet creation in the system for the Company intends to disburse
the staff salary ii) Process the salary sheet including Cash Out fees iii) prepare the csv and checksum files iv)
 Credit the Company’s wallet by debiting Mobile Banking pool account v) Finally run the Bulk process to
disburse the staff salary.
6. Lifting E-money to Distributor’s wallet through two layer financial transactions both in CBS and MBS.
7. Refunding E-money back to Distributor’s Bank account through two layer financial transactions both in MBS
and CBS.
8. Processing the proposed service of Credit Card Bill payment through Mobile Wallet: i) Credit
card Bill payment wallet creation in MBS for Card Division ii) Mobile Banking System configuration for receiving
Credit Card Bill iii) Following day Fund settlement to Card Division’s pool account in CBS from Card Division’s
Mobile Wallet for adjustment of customer’s credit card bill payment as per the prior approval from Card Division.
9. Maintaining liaison with regulatory authority like Bangladesh Bank, Dhaka Customs House, C&F
Agents, Local vendors like Thakral Information Systems Private Ltd, SSL, Mobile Network Operators and
international vendors like VISA, Nihilent Technologies Ltd, Fundamo Pty. Ltd and KPMG.
10. International Remittance settlement to different Vendors like VISA, Fundamo Pty. Ltd, KPMG and Nihilent
Technologies ltd.
11. Administrating and supervising the responsibilities of the team members.
12. Miscellaneous jobs: a) Note sheet/Board Memo/ IOM preparation for Mobile Banking division, b)
Reporting to Bangladesh Bank, Finance and Accounts Division of IFIC Bank

ShortCode

 ADC Division: In Charge - Dispute, Fraud & MIS Management Department 30/07/2018 - 14/12/2022
May 2018 – Present
Responsibilities:
1. Maintaining liaison with Regulators and Vendors.
2. Generating various MIS report, IMC, VISA-QOC & fraudulent report.
3. Managing & resolving Dispute & Fraud cases through Q-Cash, NPSB & VROL dashboards.
4. Preparing office notes, Memos & all sorts of internal & external communication.
5. Processing & releasing different bills, AMC, FC remittance to local & International vendors as per
MCA, SLA.
6. Transactions Monitoring through TWFA
7. Drafting & Maintaining (MCA, SLA, MoU, SOP, Agreements)
 Mobile Banking Division: Head of Operations 01/02/2017 – 29/07/2018 February 2017 – May 2018

Responsibilities:
1.Project Mgmt: BSDInvite quotation & SOWSOW analysisIssue Work-OrderFollow-up
progressPerform UATGo-live & release FC
2.a) Merchant acquisition, wallet creation, configuration, Agreement & KYC Mgmt. b) Merchant Settlement
3.Maintaining liaison with regulators & Vendors: BB, BTRC, Dhaka Customs, SSL, MNOs, VISA, Nihilent-Tech
4.Note-sheet/Board-Memo/IOM preparation, MIS reporting to BB, FAD & Top-Management
5. Vendor’s Bills & AMC payments: VISA, Nihilent, MNOs, KPMG
6.Team administration

 Mobile Banking Division: Operations Manager 29/05/2013 – 31/01/2017 May 2013 – January 2017

Responsibilities:
1.Remmiting AMC & other FC Payments to VISA, KPMG, Nihilent
2.Lifting/Refund, BEFTN
3.MIS & other reporting to BB, FAD, MNOs & Top-Management
4.MobiCash & Airtime (SSL, GP, BL) settlement, Bulk Salary Disbursement
5.Customer Acquisition & Transaction Commission settlement
6.Back-office operations, Bulk-Customer registration, Maintenance & retention of original (KYC), contracts,
Deeds and Agreements
7.Note sheet/Board Memo/IOM preparation, Vendor’s Bill payment

 Branch Distribution & Controlling Department : Senior Officer 29/01/2012 – 28/05/2013 January
2012 – May 2013
1.Analysis of Deposit, Advance, F.Ex, Recovery and Profit of different branches through MS Excel, Access tools
2.Reporting correcting steps for Branches to DMD to cover up the business gaps and weaknesses
3.Monitoring the daily CASA accounts opening performance of Branches
4.Identifying the strengths & weaknesses of different Branches through the countrywide physical branch visit &
recommending logistical support for Branches
 Senior Officer, Credit Risk Management – CIR ------- 10/05/2011 – 28/01/2012
1.Data processing & analyzing for MIS Reporting
2.Onward submission/upload of processed data to Bangladesh Bank/RIT portal
3. Reporting Credit Information data to Bangladesh Bank
4. Generating CIB reports as per Branch requirement
5. Management of CIB report files for different Branches
6. Maintaining liaison with Bangladesh Bank and all Branches of IFIC Bank
7. Desk jobs like preparation & maintenance of Office Note/Memo/IOM & Document management

IT Division: Management Trainee Officer 15/06/2010 – 09/05/2011 June 2010 – May 2011

1. Providing Remote support to Branches on Networking, Hardware troubleshooting, Software & Application
installation & configuration, Core Banking Solution (Bank fusion Equation)
2. Working with different projects and vendor communication
3. Performing User Acceptance Test (UAT) and preparing UAT script
4. Analyzing technical quotations submitted by different vendors
5. Other regular desk job and preparing Board Memo, Note sheet etc.

Agrani Bank Limited Head Office, 9D, Motijheel C/A, Dhaka

IT Division: Senior Officer 24/12/2008 - 14/06/2010 December 2008- June 2010

1. Developing & administrating Fixed Asset Management Database in Access, VB6.0

2. Working with CBS (Temenos T24) implementation projects for Data migration
3. Performing User Acceptance Test (UAT) and preparing UAT script
4. Regular desk job and preparing Board Memo, Note sheet etc.
5. Providing Technical user support on Hardware & Software troubleshooting, Installation, configuration
6. Producing MIS report on Fixed Assets

Diplomaed Associate of The Institute of Bankers, Bangladesh (DAIBB) - Janu – Jun 2013 (01/01/2013 –
30/06/2013)
Junior Associate of The Institute of Bankers, Bangladesh (JAIBB) June – Dec 2009 (01/06/2009 –
31/12/2009)
The Institute of Bankers, Bangladesh (IBB)
International English Language Testing System ( IELTS) – September 2021 – British Council, Dhaka
under Cambridge University

Computer knowledge:

1. Data Analysis using Excel functions, formulas, Power query and Power BI
2. In house Database Development using MS Access and MS Visual Basic
Executed projects:
i) Fixed Asset Management System for Agrani Bank Ltd. (Access & VB) - 2009
ii) Voucher Automation system for Mobile Banking Division of IFIC Bank Ltd (Access & VB) -
2015
iii) Inventory Management System for RANGS Properties Ltd. - 2008
3. Proficient in Microsoft Word and Power Point presentation
4. Adobe Photoshop, Adobe Premier Pro
5. Hardware & Software troubleshooting, Application installation, Configuration & User support