DURGHAM A.

ABUJAFFAL
: Amman – Jordan |: +962 6 4370953 +962 796 758510 |: Abujaffal2005@yahoo.com
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CAREER OBJECTIVE
To apply my knowledge and skills in the field of IT, banking and accounting in which I was exposed to in
the past years and maximize my potentials to the attainment of the company business goals with a
progressive company with an opportunity for Professional growth and enhancement to meet my ambition.
SUMMARY OF QUALIFICATIONS
11+ years’ professional working experience in banking operations, e-Channels, e-Business, IT
Management.
Effectively manage multiple priorities, and performs under pressure in a fast-paced, rapidly changing
environment. Skilled in project organization, problem resolution and data documentation.
Exceptional relationship building skills while maintaining a degree of high standard, performance driven
management and accountability.
Demonstrate excellent interpersonal and effective communication skills that exhibit the highest ethics.
Proven ability to work well under pressure without compromising efficiency or professionalism.

CORE COMPETENCIES AND SKILLS

 Operations Banking  Effective Interpersonal&  Complex Problem Resolver

 System Implementation
 System Design & Analyst
 E-Commerce & Web Business
Enhancement
 Business Solution Development
 Leadership & Motivation
Communication
 Writing Skills (Documentation,
Articles, Memos)
 Client Retention/Satisfaction
 Internal/External Relationship
 Cost Containment / Budgeting
 Solid Computer Skills
 Excellent Presentation Skills
 Multi-task and Efficiency
 Time Management
 Highly Analytical & Organized
 Delegation Skills

MAJOR ACHIEVEMENTS AND AWARDS

 Participate in start-up bank.
 Managed an ATM and Cards management system Replacement Project (replacing existing ATM and Cards
management system with a new one).
 Committee Member (JO-EBPPS “Electronic Bill Presenting & Payment System”) Central Bank of Jordan.
 Managed Returned Cheques System.
 Managed New Cheque Digit Customization - Central Bank of Jordan.
 Managed IBAN Implantation - Central Bank of Jordan.
 Managed ACH Project (Automated Clearing House System) Central Bank of Jordan.
 Managed E-Salary and payroll System.
 Managed ACH Project (Automated Clearing House System) Central Bank of Jordan.
 Creating Policies and Procedures for Cards Operations, Charge Back, ECC, Remittances and Salaries.
 I have successfully implemented many projects, such as; Al Rajhi Core Banking project and many other
projects for adding new services on the bank’s electronic channels including the ATM, Internet, IVR, and
SMS.
 DURGHAM A. ABUJAFFAL
: Amman – Jordan |: +962 6 4370953 +962 796 758510 |: Abujaffal2005@yahoo.com
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COURSES
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 Project Management Professional (PMP).
 Leading Forward & Empowering Leaders program.
 Asset Program - “You Are Our ASSET”.
 Leadership Training for Managers program.
 Serve with a smile program.
 We Have You - Team Building Day program.
 Leadership Training Program.
 VB.NET Course.
 Oracle (9i, 10g) - Giant Consultancy Center - 60 Hours.
 Cards Financial Reconciliation by Visa Business School CEMEA.
 Cards Clearing & Settlement Skills by Visa Business School CEMEA.
 Expert on Financial Reconciliation & Clearing & Settlement Skills by Visa Business School CEMEA.

PROFESSIONAL EXPERIENCE
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2011 – Present Al-Rajhi Bank-Head Office-Jordan - Amman, Jordan

Department Manager / Retail Operations

 Manage/Monitor of Retail Operations services transactions.

 Supervise and Follow-up Daily/Monthly Closing Procedures and E.O.D/E.O.M. Reports
 Manage and supervise (Project Manager / IT analyzing) for some projects.
 Establishment of cards department with Al Rajhi Bank and Participate in establishing of salary,
remittances, loan, Cheques and finance operations departments and to the management
section in all its aspects in terms of developing policies and procedures and the work of the
necessary contracts with other companies in addition to assisting other departments to carry
out their work properly and a link section with other sections.
 Check all the bank systems and ensure safety.
 Building a full accounting cycle for the department.
 Business software systems to link with each other and the other banks.
 Checking the ATM system and make sure it is ready.
Examination of the printing system for instant card and make sure it is ready
 Managing performance and operational activities of the Settlements & Chargeback Unit and
Reconciliation Unit within Card Centre and maximize profitability of cards business by
ensuring that all operations in the unit are carried out with maximum efficiency, security and
control to safeguard the financial interest of the card business and that quality service is
provided to both internal and external customers in accordance with agreed service
standards.
 Manage overall activities within the Unit and ensure that timely and quality services are
always provided to both internal and external customers through customer-focused
operations in order to maximize cardholder satisfaction, minimize cardholder attrition and
maximize profitability
 Responsible for managing day to day operations in Settlements Unit involving Balance
Transfer, Credit Card, general ledger entries, Visa / MasterCard interchange settlement
processing, Insurance pay-outs, credit shield file upload, provision entries & reconciliation,
automatic & manual write-offs, cash back entries, re-payments, PIN encoding, customer
 standing Instructions, financial entries on card closures & card balance take overs, custody &
reconciliation of blank security stationary, reconciliation of undelivered PINs, reprint of PINs,
fee collection on retained cards, whilst ensuring that these activities are carried out with
maximum efficiency, security and control in accordance with established procedures and
agreed service standards.
 Responsible for managing day to day operations in Reconciliation & Chargeback Unit involving
copy requests, cardholder disputes, interchange rejects, chargebacks, fraud reporting,
compliance / arbitration case filing, temporary credits, chargebacks related accounting
entries, re-presentments, TC-40 & SAFE reporting, updating Operations Risk Database, Fee
collection of invalid special interchange debits, daily checking of EOD reports, reconciling the
daily control accounts, reconciling the sundry / suspense accounts, passing of reconciliation
entries, liaison with IT / branches / Visa / MasterCard / re-payments service providers on
outstanding or invalid items whilst ensuring that these activities are carried out with
maximum efficiency, security and control in accordance with established procedures and
agreed service standards.

2005 – 2010 Arab Bank Head Office- Amman, Jordan

Assistant Section Head / Settlements & Reconciliation
 Handling incoming and outgoing Visa files using Edit Package Application.
 Handling incoming Master Card files.
 Update used systems / applications when needed.
 Follow up the settlement process for Visa (Issuer / Acquirer) and Master card (Acquirer) Transactions.
 Handle chargeback and dispute transactions (Issuer / Acquirer).
 Use Visa Online to follow up on Dispute transactions.
 Use Visa Resolve Online to follow up on chargeback transactions.
 Administrator for Open/2 System related to operations department.
 Follow up Credit Cards using Vision+ system.
 Update and automate the daily manual processes.
 Benefit of any available resources to ease the daily process.
 Coordinate with AFS, process; perform UAT for any new or updated process.
 Coordinate with IT to update or solve any case related to cards or transactions.
 Fraud cards management.
 Reconciliation all visa and master accounts.

EDUCATION/PROFESSION BACKGROUND
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2011- 2014 Princess Sumaya University for Technology
Master Degree of Computer Science with Degree "79.9"

2005- 2007 Al Isra Private University (Amman – Jordan)

Bachelor's Degree of Software Engineering with Very Good Degree "76.0"

2002- 2005 Arabia college (Amman – Jordan)

Diploma Degree of Information Technology with Very Good Degree "81.5"

1999 – 2001 High School in Scientific grade (Amman – Jordan)

Memberships
  Member in the Project Management Institute (PMI).

IT and Programming Skills

 SQL Language.  Macromedia Director 8.5.
 Active X.  Web Development (HTML, XML, CSS)
 Java (Applets, Scripts)  PERL and CGI.
 Visual Basic 6 Advance.  MS Access.
Software and OS Skills
 Microsoft Project  Adobe Photoshop
 Crystal Reports 8.5, 9.0  Macromedia Flash
 Microsoft Office  MS DOS
 Microsoft Visual Source Safe

LANGUAGES

LANGUAGE WRITTEN SPOKEN UNDERSTANDING

ARABIC NATIVE NATIVE NATIVE

ENGLISH V. GOOD V. GOOD V. GOOD

INTERESTS

Reading books/magazines, swimming, and playing basketball

REFERENCE
Available upon request.