Job Description

Roles & Responsibilities

We are seeking an accomplished Technical Channel Owner to lead Retail, Mobile, and Corporate Banking Channels, with a strong focus on payments and cash management platforms. The role requires deep technical expertise, hands-on development background, and strong understanding of UAE banking regulations, local payment rails, SWIFT, and CBDC initiatives.

This position combines channel ownership, engineering leadership, and regulatory alignment, ensuring scalable, secure, and compliant solutions across retail, mobile, and corporate banking ecosystems.

Core Technical Expertise

Mobile & Digital Banking Channels

• Strong hands-on knowledge of Mobile Banking platforms (Retail & Corporate):

• Mobile payments, transfers, bill payments, QR payments

• Secure authentication, biometrics, tokenization, and fraud controls

• Mobile SDK integrations, API consumption, and backend service orchestration

• Experience owning customer-facing mobile journeys, performance optimization, uptime, and security hardening.

• Understanding of mobile regulatory, security, and data privacy requirements in UAE banking.

Corporate Banking & Cash Management

• Deep functional and technical knowledge of Corporate Cash Management solutions including:

• Payments & collections

• Liquidity management and pooling

• Account services, balance reporting (MT940 / ISO 20022)

• Host-to-Host and ERP integrations

• Experience with corporate digital channels, including Corporate Internet Banking and self-service portals.

• Strong understanding of straight-through processing (STP), cut-off times, settlement cycles, and reconciliation.

• Ability to design scalable corporate payment and cash management workflows aligned with regulatory and operational needs.

Payments & Financial Messaging

• Extensive expertise in UAE local payment rails, including:

• UAEFTS / RTGS

• Instant Payments Platforms (IPP / Aani)

• WPS, Direct Debit, Cheque Imaging Systems

• Strong working knowledge of SWIFT (MT, ISO 20022 MX, SWIFT gpi).

• Experience with cross-border payments, reconciliation, sanctions screening, and settlement.

• Exposure to or active involvement in CBDC initiatives, digital currencies, or central bank payment innovations.

Channel & Integration Architecture

• Ownership of Retail, Mobile, and Corporate channels spanning Internet Banking, Mobile Apps, Host-to-Host, and APIs.

• Strong engineering background in API-first and microservices architectures.

• Experience integrating with Core Banking, Payments Hubs, AML, Fraud, Cards, Trade Finance, and Treasury systems.

• Proficiency in event-driven architectures, messaging queues, and enterprise middleware.

Development & Engineering Background

• Solid hands-on development experience (Java, Spring Boot, .NET, or equivalent enterprise platforms).

• Experience designing and supporting high-volume, mission-critical transaction systems.

• Familiarity with DevOps, CI/CD pipelines, OpenShift/Kubernetes, and cloud-native platforms.

• Ability to review code, guide engineering teams, and enforce performance, security, and scalability standards.

Banking, Compliance & Regulatory Knowledge

• Strong understanding of CBUAE regulations, UAE banking compliance, and supervisory frameworks.

• Experience aligning channel and payment solutions with AML, KYC, sanctions, and fraud requirements.

• Proven ability to support regulatory audits, technology risk reviews, and remediation programs.

• Knowledge of operational resilience, data protection, and information security standards.

Desired Candidate Profile

• Bachelor’s degree in computer science, Engineering, or equivalent.

• Certifications such as TOGAF, PMP, Prince2, Cloud, or Payment’s certifications are an advantage.

• Proven experience in UAE retail, mobile, and corporate cash management transformation programs.