As a seasoned Senior Business Analyst with over 7 years of experience in the payments industry, I have successfully led and contributed to numerous high-impact projects. My career highlights include: - Payment Middleware Creation: Designed and implemented middleware solutions for efficient integration with third party systems like wallet management, card management, core banking, digital channels etc and optimizing transaction processes. - RAAST (Instant Payment system of Pakistan) Middleware System Development: Led the development of a comprehensive middleware system for RAAST, facilitating Bulk, P2P, and P2M transactions. - EMV and Contactless Card Certifications: Managed the integration of these certifications with UPI, ensuring compliance and broadening payment capabilities. - Development of Financial Mobile Apps: Spearheaded projects featuring QR and tokenization services, enhancing user convenience and security. My expertise includes deep knowledge of financial services, UPI certifications, and compliance standards, along with proficiency in project management methodologies such as JIRA, SCRUM, and Agile. I have extensive experience with internet and mobile banking applications, ensuring they provide seamless user experiences while adhering to industry regulations and standards.