MOHAMMED ARAFAT
UAE
Summary
I am hardworking, ambitious, dedicated and a dynamic individual who is able to analyze and adapt into different situations due to my knowledge in various fields. I am eager to grasp and learn new things and I am also a very social person who likes to meet new people and communicate with them.
Overview
7
7
years of professional experience
9
9
years of post-secondary education
1
1
Certification
Work history
MERCHANT ACQUIRING - OPERATION / TMS SUPPORT
ARAB FINANCE SERVICES
2025.10 - Current
- Approved onboarding of new merchants for POS in line with SOPs, ensuring complete and accurate documentation.
- Managed Terminal ID (TID) creation and merchant profiling within the Terminal Management System (TMS).
- Oversaw merchant help desk tickets and inquiries, ensuring timely resolution within agreed SLA standards.
- Resolved merchant operational issues, including transaction limit concerns and daily/monthly report generation.
- Performed detailed risk and compliance checks prior to onboarding new merchants.
- Prepared and carried out key injection for terminals for both new and existing merchants.
- Managed stock inventory and prepared related reports for management review.
MERCHANT AQUIRING-Assistant Team Leader
ABU DHABI ISLAMIC BANK
2024.07 - 2025.10
- Approved onboarding of new merchants for POS, E-COM, and SOFTPOS platforms, ensuring compliance with SOPs and accurate documentation.
- Managed the creation of Terminal IDs (TIDs) and profiling within the Terminal Management System (TMS), following to strict SLA timelines.
- Oversaw and resolved merchant help desk tickets and inquiries, ensuring timely resolution within SLA standards.
- Reviewed and approved KYC processes for tasks such as bank changes, MSF adjustments, MCC updates, and settlement-related queries, ensuring alignment with policy requirements.
- Addressed and resolved merchant issues, including transaction limits and daily/monthly report generation.
- Maintained TID statuses, including deletion, blocking, and reactivation of Merchant IDs, as required.
- Conducted KYC and ODD documentation reviews and updates for existing merchants in line with risk and compliance requirements.
- Performed comprehensive risk and compliance checks prior to onboarding new merchants.
- Preparing and analyzing daily and monthly reports for both new and existing merchants to support operational insights.
MERCHANT AQUIRING-OPERATIONS PROCESSOR
ABU DHABI ISLAMIC BANK
2021.12 - 2024.06
- Verifying and processing new merchant agreement document, merchant onboarding, amendments to existing relations
- Identifying and explaining potential risks by analyzing data and by performing RISK and compliance related checks
- Processing and control of payments and settlements functions in accordance with establish procedures with additional daily tasks as directed by the departmental Supervisor/Manager
- Providing summary report of daily onboarding; preparation of daily, weekly and monthly reconciliations for submission to Supervisor (as per departmental and Finance department reconciliation plan)
- Complete training and developmental activities including mandatory AML training
- Resolving all related helpdesk queries and provide training to subordinates
- Involvement/participation and testing of projects activities within the operations space affecting the bank
- Facilitate deployment routine and preparation/support of POS Terminals
- Ensuring that printed receipt from POS matches with merchant configuration on the POS; perform transaction on newly loaded POS terminals before deployment; support issues (faulty terminals, etc.)
- Registering/creating/modifying merchant parameters on the Terminal Management System (TMS)
FIELD SERVICE ENGINEER/ ASSISTANT TEAM LEADER
ABU DHABI ISLAMIC BANK (ADIMAC - SHARJAH)
2020.10 - 2021.12
- Worked as a committed team member to achieve the highest level of customer service
- Managing back- office team and making sure all the BAU activities are on track to meet the SLA
- Preparing and publishing POS MIS to management for terminal installations and recoveries
- Quick deployment of POS terminals to maximize revenue and explore new market
- Providing merchant training on new Acquiring products and to enhance their knowledge/understanding
- Implementation of new products of Acquiring, Dynamic Currency Conversion (DCC), Samsung pay, Apple pay and digital wallet on major business segments with appropriate training to the field staff to dissipate the same to merchant for the success of the product
- Ensure to complete BAU tasks withing agreed turnaround time to provide and review Support activity Management Information System (IMS) with the line manager to improve the service quality
- Provided on-site support services to merchants across all sectors of trade, hospitality and travel, working on credit card machine/POS systems
- Addressed customer’s demands and provided support to merchants requiring assistance with information technology issues and problems
- Handled troubleshooting and hands on repairs on POS terminals deployed at merchant outlets including software installation and upgrade systems/applications configuration
- Conducted merchant training on POS usage, such as identifying successful transactions, error in the credit card machine and troubleshooting the device at their point of sale
- Conducted training to mass audience, like hotels, hospital, supermarkets
- Ensuring POS programming/POS installation assignments have been completed and merchants are fully trained for all the card acceptance procedures through physical visits
- Ensuring merchant staff has been given operational as well as fraud relevant best practice guidelines
- Ensuring POS replacement assignments have been completed, terminals recovered from market are deleted in the data base helps in cost cutting by delaying the need of purchasing brand new terminals
IMILE DELIVERY LLC
2019.03 - 2020.02
- Obtained necessary information from customers and clients for follow up
- Helped as well as trained to be a good listener while handling and dealing quickly with queries over telephone
- Managing and handling customer requests
CUSTOMER SERVICE AND SALES/ MARKETING
THREADS MIDDLE EAST
2019.03 - 2019.04
- Took responsibility in handling stock and its availability
- Cashier - processed payments
- Selling at the counter
- Assisted customers with their orders
- Maintaining outstanding store condition and visual merchandising standards
CALL CENTRE AGENT
DHL WORLDWIDE EXPRESS
2019.01 - 2019.02
- Took call back requests and assisted on general inquiries
Education
Bachelor of Business Administration -
AMITY UNIVERSITY DUBAI
2017.01 - 2020.01
High School Graduate - undefined
ARAB UNITY SCHOOL
2009.01 - 2015.01
HTML5, CSS3 & JAVASCRIPT
APTECH COMPUTER TRAINING
2024.05 - 2024.06
Skills
- Creative spirit
- Empathetic
- Reliable
- Professional
- Organized
- Goal oriented
- Good time management skills
- Motivated team player
- Quick learner
- Doing right first time
- Good knowledge of RTA Rules
- Regulation
- Excellent Knowledge of UAE Road
- Able to work in a multicultural environment
- Basic HTML
- Photography and Editing
- Microsoft office
- Data Entry
- Social media strategy
- Marketing Project management
- Market research
Certification
CERTIFICATE OF APPRECIATION | STAR PERFORMER Q2 2023
LANGUAGES
Hindi
Urdu
English
Timeline
MERCHANT ACQUIRING - OPERATION / TMS SUPPORT
ARAB FINANCE SERVICES
2025.10 - Current
MERCHANT AQUIRING-Assistant Team Leader
ABU DHABI ISLAMIC BANK
2024.07 - 2025.10
HTML5, CSS3 & JAVASCRIPT
APTECH COMPUTER TRAINING
2024.05 - 2024.06
MERCHANT AQUIRING-OPERATIONS PROCESSOR
ABU DHABI ISLAMIC BANK
2021.12 - 2024.06
FIELD SERVICE ENGINEER/ ASSISTANT TEAM LEADER
ABU DHABI ISLAMIC BANK (ADIMAC - SHARJAH)
2020.10 - 2021.12
IMILE DELIVERY LLC
2019.03 - 2020.02
CUSTOMER SERVICE AND SALES/ MARKETING
THREADS MIDDLE EAST
2019.03 - 2019.04
CALL CENTRE AGENT
DHL WORLDWIDE EXPRESS
2019.01 - 2019.02
Bachelor of Business Administration -
AMITY UNIVERSITY DUBAI
2017.01 - 2020.01
High School Graduate - undefined
ARAB UNITY SCHOOL
2009.01 - 2015.01