Technical Channel Owner (Retail, Mobile & Corporate channel )

Overview

Technical Channel Owner

Retail, Mobile, and Corporate Banking Channels

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:

• 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.