Muhammad Kashif

As Integration & Support Manager at Noon Payments, I lead a team responsible for seamless merchant integrations and post go-live technical support across the MENA region. My role bridges technology, operations, and partner collaboration to ensure smooth payment acceptance and superior merchant experience. Key Responsibilities: Manage and mentor the Integration & Support team, ensuring timely and high-quality delivery across all merchant projects. Oversee merchant onboarding on both test and production environments, ensuring secure and compliant integration with Noon Payments APIs and SDKs. Handle end-to-end onboarding of Merchant IDs (MIDs) on Cybersource and MPGS platforms. Coordinate with key acquiring banks, payment partners, and internal product/engineering teams to streamline integrations and resolve technical issues efficiently. Provide consultation to merchants for optimizing payment conversion, fraud management, and system performance. Maintain up-to-date technical documentation, SOPs, and integration playbooks to enhance process consistency. Use tools such as Zoho CRM and JIRA for tracking merchant stages, issues, and performance visibility. Focus Areas: Merchant onboarding | Acquirer coordination | Payment gateway integrations | Cybersource & MPGS | Team leadership | API-based integrations | Post go-live support | Process optimization

• Designed & deployed a PCI-DSS compliant payment system, enabling secure virtual accounts with open banking integration. • Led 12+ acquirer & payment processor integrations (Network International, CyberSource, MPGS, Checkout, UnionPay, Pay.com). • Provided technical support & issue resolution, ensuring smooth CyberSource integrations in multiple regions • Spearheaded a crypto payment framework supporting Triple.io, NetCents, and BlockCypher, increasing crypto adoption by 35%. • Led the configuration of Apple Pay, Network Tokenization, and alternative payment methods. • Managed merchant API implementations & MID onboarding processes for acquirers and issuers. • Directed cross-functional teams to optimize deployments, reducing implementation time by 20%. • Developed technical documentation and best practices for scalability and regulatory compliance. Key Achievements: • Increased transaction success rates by 25% through API optimization and smart routing. • Reduced latency by 30%, improving transaction speed and user experience. • Deployed a secure & scalable crypto payments solution, expanding digital currency transactions.

• Managed Payment API & SDK integrations, ensuring uptime and seamless client adoption. • Acted as primary liaison for issue resolution, reducing response times by 40% and improving customer satisfaction. • Led system compatibility testing, ensuring smooth operations across 5+ financial systems. Key Achievements: • Reduced integration downtime by 35%, improving overall service reliability. • Boosted client satisfaction scores by 20% through proactive support and clear communication.

• Developed & secured a global payment gateway, integrating China UnionPay, Tabby BNPL, and Network International, CyberSource, MPGS and CyberSource Decision Manager. • Migrated security from EMV 3D Secure 1.0 to 2.0, reducing fraud attempts. Key Achievements: • Expanded merchant adoption by 30% through BNPL & alternative payment integrations. • Strengthened transaction security, minimizing fraud risks and ensuring PCI-DSS compliance.

• Led middleware integrations for Apple Pay, eKYC onboarding, and fraud detection systems (SafeNet). • Managed eKYC, Apple Pay, and CyberSource fraud detection integrations • Developed customer onboarding APIs, automating account creation & verification. Key Achievements: • Enhanced fraud detection capabilities, reducing fraudulent transactions by 30%. • Streamlined cheque clearing & eKYC onboarding, reducing processing times by 40%. outsourced by Avanza solutions Projects: - BBK (Bank of Bahrain and Kuwait), Bahrain, Apple Pay InApp Provisioning Encryption At Middleware - BBK (Bank of Bahrain and Kuwait), Bahrain, Fraud System [Safe Net] Integration with Middleware - BBK (Bank of Bahrain and Kuwait), Bahrain, OnUs Cheque clearing system Integration with Middleware - BBK (Bank of Bahrain and Kuwait), Bahrain, eKYC (Benefit) System Integration with Middleware Note: For Project detail Description please refer the LinkedIn Profile Project section

• Led core banking middleware integrations, API gateway, enabling seamless fund transfers, card payments, and mobile banking. • Managed key projects including Noor Bank & Dubai Islamic Bank merger, e-wallet integrations, and CRM integrations. • Managed different SIT environments for different projects. Key Achievements: • Delivered multi-channel transaction flows, increasing banking efficiency by 35%. • Ensured a seamless banking merger, minimizing service disruptions outsourced by Avanza solutions Projects: - Noor Bank, UAE, MB/IB [Retail and SME] Banking Integration with Middleware - Noor Bank, UAE, eWallet Etisalat Integration with Middleware - Noor Bank, UAE, CCDM Integration with Middleware - Noor Bank, UAE, SAP HR Module Integration with Middleware - Noor Bank, UAE, Loyalty System Integration with Middleware - Noor Bank, UAE, ICCS [Inward Cheque Clearing System] Integration with Middleware - Noor Bank, UAE, CRM Integration with Middleware - Noor Bank, UAE, Noor Trade (BBU) App Integration with Middleware - Noor Bank, UAE, Instant Transactional Account Opening App Integration with Middleware Note: For Project detail Description please refer the LinkedIn Profile Project section.

• Developed banking middleware for Summit Bank & Finca Bank, enhancing payment security and transaction processing. Key Achievements: • Reduced transaction processing time by 30%, improving banking efficiency. • Optimized middleware performance, increasing system reliability by 25%. - SUMMIT BANK, Pakistan, Sindh-Summit Bank Merger - SUMMIT BANK, Pakistan, Middleware Integration with Falcon Pay App - SUMMIT BANK, Pakistan, Middleware Integration with Mobile App - FINCA BANK, Pakistan, Middleware Integration with Easy Paisa

• Developed secure file system solutions, implementing on-the-fly encryption and data protection mechanisms. Key Achievements: • Strengthened data security, implementing advanced encryption algorithms. • Optimized software performance, improving efficiency by 20%.