Executive Profile

Strategic and visionary technology leader with 18+ years of experience delivering secure, scalable, and compliant fintech solutions for 36+ financial institutions and 3 major international payment systems. Proven expertise in payment systems, enterprise architecture, and digital transformation. Adept at GTM strategy, cross‑border collaboration, and product internationalization. Recognized for building high‑performance teams and driving measurable business impact.

Core Competencies

  • Fintech Systems: OLTP, EMV L1/L2, NFC, TranzWare (Host, CMS, Card Factory, IB, TB), ATM (Wincor-Nixdorf), NDC-DDC (Protopas), POS (Verifone, SAND, Intellect)
  • Architecture & Development: API Design, Microservices, MVC, UML, DFD, ERD
  • Programming: C/C++ (Qt), Flutter/Dart, PHP, JavaScript, VB.NET, PL/SQL
  • Leadership & Strategy: GTM, OKRs, KPI Tracking, Agile/Scrum, Waterfall
  • Security & Compliance: PCI-DSS, PA-DSS, HSM (Thales), Key Management, Cryptography, Fraud Monitoring

Selected Achievements

  • Platform Scale: Scaled fintech platforms to serve millions of transactions daily with 99.99% uptime.
  • Regulatory Launches: Led PSD2-compliant product launches in multiple markets, enabling cross‑border payments.
  • National Systems: Directed JiCA-sponsored Automated Clearing House for Dhaka’s transport ticketing system.
  • Central Bank Integration: Integrated fraud monitoring & dispute management into Bangladesh Bank’s National Payment System.
  • Contactless Commerce: Delivered NFC-based MPOS solutions adopted by multiple banks and large retail networks.

Professional Experience

TiCON System Limited

September, 2022 – February, 2024

Senior Solution Architect

  • Converting business ideas into sustainable Fintech products, leveraging data research and solution partner's tech infrastructure.
  • Enabling internationalization of White Label Fintech products and PSD2 connectivity based services in collaboration with Bangladesh market and other (if any).
  • Taking part in Go-To-Market (GTM) strategy and OKR/KPI management along with Business Development and Business Units teams.
  • Development of new Ventures and Products in the Fintech industry, with a focus on process mapping and redesign, development roadmap setup, resources allocations & business models.
  • Close collaboration with partners, clients and implementation teams to build startup companies.

UUMOO Limited

July, 2021 – August, 2022

Project Director

  • To enable "Small Value Payment" services, design and develop the end-to-end wallet solutions such as mobile app (both for ANDROID & iOS) using Flutter framework and back-end services (web-services & host application) using Qt framework.
  • To ensure the entire solution as a Platform that enables both 'Small Value Users' and 'Small Value Merchants' to Exchange, Trade and conduct Commerce instantaneously, in Real-Time or in Escrow, Anytime and Anywhere.
  • To ensure all the services are 'Location Aware' that shall open-up new opportunities in Trade and Commerce; powered by GEO-Location, GEO-Fencing & GEO-Broadcasting.
  • Support the Augmented Reality (AR) technology by the UUMOO wallet.

Next Genius Dot Com

January, 2018 – June, 2021

Director – Technology

  • Lead the execution of technology strategy for platforms, partnerships & external relationships.
  • Build & manage a top-flight technology team, oversee research & development, as well as project management.
  • Provide visible leadership for the company within the technology community.
  • Anticipate and react to major technology changes to ensure the maintenance of company leadership in the competitive landscape.
  • Establish technical standards and ensure adherence of product development & operations.

JV of “ECL–3BL”

September, 2014 – April, 2017

Chief Technology Officer

Project of Establishment of Automated Clearing House for Integrating Transport Ticketing System in Dhaka City Area, sponsored by JiCA. The Project Team consisted of DTCA (Dhaka Transport Coordination Authority) and JiCA's Expert Team; Operated by JV of “KEI–NEC” and Developed by JV of “ECL–3BL”.

JV of “ECL–3BL” i.e. Joint Venture of Electro CRAFT Corporation Ltd. [“ECL”], as the leading firm, and Best Business Bond Ltd. [“3BL”]
JV of “KEI–NEC” i.e. Joint Venture of Katahira & Engineers International [“KEI”] and NEC Corporation [“NEC”].

  • To design, develop, test and deploy the entire solution (cross-platform) using C/C++ [Qt Framework] based on the external design provided by JV of "KEI–NEC"
  • To work on the latest technology of NFC [Sony – Felica] and MPOS terminal (embedded app)

IT Consultants Limited

June, 2013 – July, 2014

Project Consultants

  • To plan, design and configure the Dispute Management System (DMS) using JIRA (an Atlassian product) for the National Payment System [NPS] of Bangladesh Bank.
  • Integrate DMS [powered by JIRA] with NPS – Host [Way4] and deploy the system.

SSL Wireless

December, 2012 – May, 2013

Head of Technology Infrastructure

  • Defined infrastructure vision, disaster recovery architecture, and cost-effective delivery practices.
  • Contributed to IT strategy, project planning, and budget governance.

IT Consultants Limited

September, 2003 – November, 2012

CTO; SVP; Head of Systems; Deputy Head; System Engineer

  • Owned host configuration, ATM/POS transaction switching, and fraud monitoring across 36+ banks and 3 major international payment schemes.
  • Led client correspondence, interface development, and high‑availability operations for CMS/ATM/POS.

WinSock Corporation (Pvt.) Ltd.

December, 2002 – August, 2003

Software Architect

  • Analyzed requirements, designed solution architectures, and implemented context‑appropriate coding patterns.

Electro CRAFT Corporation Limited

February, 2002 – November, 2002

System Analyst

  • Gathered and modeled requirements; delivered system designs and implementation guidance.