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Mr. Syed A. Raza

Fintech - AI Specialist

Building Pakistan's Financial Future Through Technology

10+ years of expertise in developing enterprise-grade financial technology solutions, payment systems, and digital banking platforms that process millions in transactions monthly.

10+ Years Experience
50M+ PKR Monthly Processed
99.9% System Uptime

Core Expertise

  • Payment Systems Architecture
  • Progressive Web Applications
  • Financial Data Analytics
  • Regulatory Compliance (e.FBR)
  • Real-time Transaction Processing
  • Digital Banking Solutions

About Me

Passionate about transforming Pakistan's financial landscape through innovative technology solutions

Display Image As a Fintech - AI Specialist with over 10+ years of hands-on experience, I specialize in building enterprise-grade financial technology solutions that drive real business impact. My journey began in digital banking at HBL, where I gained deep insights into Pakistan's financial ecosystem.

At ARY (Group), I've architected and deployed comprehensive cash management platforms that process PKR 50M+ monthly transactions across 20+ vendor locations. My expertise spans payment gateway integration, regulatory compliance, and building Progressive Web Applications that deliver seamless user experiences.

I'm passionate about leveraging technology to solve complex financial challenges, ensuring 99.9% system uptime while maintaining the highest standards of security and compliance in everything I build.

I am currently working as a Visiting Faculty at Aptech, delivering sessions for the ACCP program in Artificial Intelligence. My focus is on building strong foundational skills in programming, web technologies, and AI concepts through hands-on, project-based learning. I strive to create an engaging and practical classroom environment where students are empowered to think critically, experiment, and prepare for future roles in the tech industry.

Payment Systems
Multi-channel payment processing and gateway integration
Progressive Web Apps
Modern, responsive fintech applications
Financial Analytics
Real-time dashboards and data visualization
Compliance Systems
e.FBR integration and regulatory automation

Professional Experience

A journey through Pakistan's leading financial and technology organizations

Jul 2016 – Present

Senior Fintech Developer & Product Manager

ARY Services | Karachi

Leading fintech product development for enterprise cash management solutions serving 20+ vendor locations with PKR 50M+ monthly transaction volume.

  • Architected comprehensive PWA for real-time cash flow management
  • Reduced manual reconciliation processes by 85% through automation
  • Achieved 99.9% transaction accuracy across all payment channels
  • Integrated e.FBR compliance with automated tax calculations
Dec 2020 – Feb 2022

Senior MIS Developer & Financial Systems Manager

ARY Laguna | Karachi

Developed comprehensive membership and payment management platform serving platinum agent network with 5,000+ monthly transactions.

  • Built CRM system for membership management and customer onboarding
  • Automated 100% of payment reconciliation processes
  • Improved financial reporting accuracy to 99.8%
  • Integrated multi-channel payment processing capabilities
Aug 2015 – Jul 2016

Digital Banking Support Specialist

HBL Remittance Services | Karachi

Specialized in international remittance platform operations and cross-border payment processing support.

  • Maintained 98% First Call Resolution rate for remittance queries
  • Supported high-volume international transaction processing
Sep 2012 – Aug 2015

Phone Banking Technology Officer

HBL Digital Banking | Karachi

Supported digital banking operations and customer onboarding. Handled MYSIS core banking operations and maintained high customer service standards.

  • Achieved 95% customer satisfaction in digital banking support
  • Managed MYSIS core banking system operations

Featured Projects

Real-world fintech systems developed for scale, security, and performance

Cash Management

ARY Services

Real-time PWA for cash flow management across 20+ locations, integrated with IBFT, Cash, and Cheque systems.

Firebase PHP MySQL PWA

OrSYS Payment Platform

Internal Tool

Secure online payment processing system with CRV/BRV record management and real-time tracking.

Firebase MySQL PHP

Members CRM Platform

ARY Laguna

Complete CRM with e.FBR tax compliance and real-time reconciliation of over 5,000 transactions/month.

CRM e.FBR Multi-Channel

Technical Expertise

Hands-on proficiency in fintech systems architecture, APIs, and secure payment platforms

Backend Technologies
PHP, MySQL, MariaDB, Firebase, REST APIs
Frontend & UI
HTML5, CSS3, JavaScript, PWA
Financial Systems
Core Banking (MiSYS), CRM (SIEBEL 7.0), Payment Gateways
Compliance & Analytics
e.FBR, Tax Reporting, Financial Dashboards

Education & Career Objective

Bachelor of Science – University of Karachi (2002–2006)

Certifications: Digital Banking Operations, Fintech Product Innovation, Progressive Web Development

Career Objective: Seeking a Senior Fintech Product Manager or Payment Systems Lead role to drive digital transformation in Pakistan’s financial sector through secure, scalable, and innovative financial products.

Professional References

  • Masood Ahmed Khan - ACA – CFO, ARY Laguna.
  • Mr. Khurram Shahzad – Manager Finance, ARY Services (PVT) Ltd.
  • Mr. Saleem Pasha – Assistant Manager, HBL Digital Banking.
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