Transaction Banking Digital Transformation SME

• structuring escrow models (real estate, marketplaces, project finance, M&A)
• Legal documentation & regulatory alignment
• Operational workflow optimization
• Risk control & dispute handling frameworks
• End-to-end onboarding process mapping (AS-IS / TO-BE), API-enabled onboarding
• Digital KYC & AML workflow design, Digital Account Opening & Journey Redesign
• Virtual IBAN structures & tagging logic
• Automated reconciliation models
• Customer experience (CX) optimization
• Document digitization & workflow automation
• Regulatory compliance alignment (e.g., SAMA standards)
• BIB- Corporate Internet Banking architecture, ERP Integration
• Host-to-Host (H2H) connectivity
• ISO 20022 & SWIFT message formats
• B2B & Supply Chain Platform Integration, Embedded finance within supply chain flows, Supply Chain Finance integration models
• Digital trade enablement
• Increasing fee-based income (trade & transaction fees)
• Cross-sell strategy (financing + cash management)

combining product

integration

regulatory

Risk and ecosystem expertise

Professional experience: 15+ years