USAMAH BEG

• Product owner for Merchant Accounting and Settlement System, interfacing with clients for requirement gathering and elicitation
• Detailing requirements, evaluating impacts, and articulating solutions within Business Requirements Document (BRD)
• Creating features segmented into actionable user stories and defining acceptance criteria
• Aligning development with requirements through backlog refinement and user story grooming sessions

Projects -

• Launched Fiserv's POS offering, Clover for the APAC markets, enabled charging of Terminal rental fees, Transaction charges and reporting (via DWH) Clover merchant details to downstream systems like Clientline
• Enabled Amex OptBlue and PFAC (4-Party model) models of acquiring Amex transactions including generating and sending the outgoing clearing file to Amex as well as receiving and processing the settlement file sent back from Amex
• Enhanced a large APAC Acquirer's offering to merchants by enabling ECOM transactions processing and integrating with upstream systems like Ocean to send Visa's CYBS TC33A extracts and receive back 80-byte transaction details for further processing
• Accelerated a leading Acquirers journey to expand acquiring business into New Zealand market by extending existing merchant's configurations like pricing (IC+/IC++,Blended), clearing and settlement (Visa and Mastercard), regulatory reporting and chargeback processing
• Automated process by building new functionality via systems frontend to send clients current merchant tariffs dumps and get back repriced sheets to make pricing changes in system for merchants. The turn-aornd time reduced from 3-4 weeks to 2 days
• Enabled merchants to qualify for lower interchange rates under strategic scheme programs enabling cost savings of ~1%
• Worked on project for designing API based funding information solution for a large client, replacing conventional funding model
• Enabled acquirer to charge scheme fees to merchants plugging revenue leakage by ~$450K annually
• Implemented ISO20022 based funding file generation for client to enable funding merchants via preferred banking partner

• As Product Owner, created implentable user stories and helped team with backlog prioritisation
• Creating and maintaining Functional Specification Documentation
• Grooming user stories with tech team to explain business/functional requirement
• Worked on merchant's webshop integration to enable payments through ECOM channel
• Worked on end-to-end credit card authorization flows based on ISO 8583 (from customer to merchant via issuer, acquirer and interchange network)
• Worked on 3DSecure authentication flow for MasterCard, Visa, AMEX credit cards (Verified by Visa, MasterCard SecureCode)

Projects -

• Integrated a large merchant's webshop with Payment Gateway through microservices based API infrastructure
• Enhanced system to consider first 8 digits of PAN from 6 digits for BIN resolution
• Migrated the banking partner to send the SEPA CT and DD files (PAIN 001 and PAIN 008), and receiving back CAMT 053 message files
• Real-time monitoring of request and response messages for root cause analysis on Authentication and Authorisation failures in end-to-end transaction flow

• Consolidated the idle capacity from projects to act as back fill for BAU (Business as Usual), DevOps Transformation thereby decreasing cost of ownership by ~20% and driving the capacity utilization rates up by ~13%.
• Tailored the process design to alleviate end user pain points driving up CSAT (customer satisfaction) levels by ~20%.
• Held monthly meetings with technical support teams to enhance coordination and process adherence, improving the Mean Time To Resolve (MTTR) by ~25%