Technical Channel Owner – Retail, Mobile & Corporate Channel

Overview

Must

Must

Must

-Must

Must

Role Overview

Key Expectations

• Own and govern Retail, Mobile, and Corporate digital channels, including payments and cash management platforms.
• Act as the end-to-end technical owner—from architecture and development to production support and optimization.
• Demonstrate strong domain expertise in UAE payments, corporate cash management, and mobile banking.
• Drive modernization across digital channels, payment rails, and corporate transaction banking.
• Partner closely with Business, Compliance, Operations, and Central Bank / regulatory stakeholders.

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.

Channel & Platform Ownership

• Own the technical roadmap for retail, mobile, and corporate channels, including cash management platforms.
• Ensure platforms meet performance, availability, security, and compliance benchmarks.
• Lead modernization initiatives across mobile banking, corporate portals, and payment ecosystems.

Delivery & Stakeholder Management

• Translate business requirements from Retail and Corporate Banking into robust technical solutions.
• Coordinate with Core Banking, Payments, Treasury, Trade Finance, Cards, and external partners.
• Manage vendors and fintech partners, including SLA governance and issue resolution.

Regulatory & Innovation Leadership

• Lead initiatives involving digital payments, cash management transformation, and CBDC readiness.
• Support ISO 20022 migration, open banking, and real-time payments programs.
• Ensure regulatory compliance is embedded into system design and delivery.

Soft Skills & Leadership

• Strong ownership and accountability mindset.
• Excellent communication skills with the ability to bridge business and technology.
• Comfortable operating at both strategic and hands-on levels.
• Experience mentoring teams and driving engineering best practices.

Qualifications & Certifications (Preferred)

• 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.

Skills