Areen Gammoh
CARD OPERATIONS
AMMAN
Summary
Accomplished professional with over 22 years of progressive experience in the cards payment sector, specializing in card issuance, transaction processing, Fraud management, regulatory compliance, and digital payment solutions,. Adept at driving strategic initiatives to optimize card product offerings, enhance customer experience, and ensure robust security measures. Seeking to apply my deep industry knowledge and leadership skills to a senior management where I can contribute to the growth and transformation of the organization by leveraging my expertise in card operations and customer-centric experience across all card services.
Overview
22
22
years of professional experience
4
4
years of post-secondary education
6
6
Certifications
2
2
Languages
Work History
Cards Operations Manager
Bank of Jordan
11.2021 - Current
- Supervising the development of plans and programs related to the cards and electronic services department within the strategies, policies and goals
- Responsible of the card’s daily operations (all type of cards)
- Responsible of the GLs related to cards and the settlement and reconciliation of these GLs
- Responsible of the VRM + EMS system
- Handling the visa and MC chargeback local and international
- Monitoring the limits adjustments
- Update/create the parameters of the cards to comply with CBJ rules and the schemes
- Develop the process and improve the features of the cards to keep up with the digitization
- Automate the way of creating credit + debit cards
- Automate the daily settlement and reconciliation
- Focusing on administrative tasks to insure the internal control of factors and systems, discovering and correcting any violations and / or excesses if they occur
- Decrease the cost and increase the revenues by finding new solutions to avoid the extra costs and make profits
- Project for bank of Jordan
- Local settlement for Visa & MC
- 8digit bin transfer
- Installment via SMS
Cards Operations and retail loans Manager
Capital Bank of Jordan
03.2020 - 02.2021
- Supervising the development of plans and programs related to the cards and electronic services department within the strategies, policies and goals
- Follow up all the matters related to supervision, management of the work and performance of the team by periodically evaluating their performance and setting standards to measure the performance and productivity of the departments and providing the necessary support and training to them to ensure the efficiency of their performance and develop their skills in coordination with the Human Resources Department
- Verifying and follow-up of customer accounts, issuing credit cards, and electronic services, according to the requirements of the department and in coordination with other departments in the bank to be complied with the rules of central bank of Jordan
- Ensure that the branches' complaints are resolved, follow up on them, and work on handling them in coordination with the team
- Ensure that cases related to customer disputes and transactions related to bank cards are implemented and the various processes related to debiting the value of daily and monthly claims received on all types of bank cards are implemented in accordance with the approved procedures
- Periodic review of work procedures to ensure that these procedures include all new roles at the level of card operations to ensure that they keep updated with work variables on the ground
- Focusing on administrative tasks to insure the internal control of factors and systems, discovering and correcting any violations and / or excesses if they occur
- Set the annual business plan for the both departments
Operations Assistant Manager
MEPS (Middle East Payment Services)
01.2009 - 09.2020
Issuing & Acquiring Operations Support Manager
MEPS (Middle East Payment Services)
09.2014 - 01.2020
- Ensure the accuracy and the processing on time of every single batch
- Ensure the compatibility of the Merchants' agreements with the internal policies and procedures
- Manage the installation of the IPM Master and Visa clearing files and ensure being processed into the system bank by bank
- Generate the outgoing files and send them to MasterCard and Visa to be collected
- And make sure they were collected successfully within the time frame
- Responsible for processing MIGS merchants into both systems 'MIGS and S2M' and activate the merchants on the 3Dsecure and VBV
- Ensure generating the clearing files and sending them to the concerned banks on time without delay
- Ensure generating and sending VISA BASE II files to Visa and send the outgoing reports the concerned departments
- Manage collecting the rejected transactions from MasterCard and Visa and following up these transactions with the finance department to collect these transactions
- Ensure processing the EOM (End of Month cycle) for the participated banks and sending their files/SMS accordingly
- Responsible for processing the Direct Debit files (Orange, Zain, Umniah and Fitness First) and sending the processed files through their sFTP
- Ensure installing the daily incoming files from UPI and process them
- Define the full required setup on the CMS for any new project, including the BINs, Limits, parameters and online controls and Fraud controls
- Responsible for handling the UAT of any new product or Setup and ensure that the implementation was done successfully
- Ensure embossing and printing the cards and PINs are being printed on the time without any delay
- Responsible for the stock management and the monthly inventory Of the participated banks
- Responsible for collecting and processing the Bonus Point files from RJ
- Project Manager for the below projects:
- MIGS/MPGS
- Online Installment/Offline Installment
- CASH BACK
- UPI
- EFAWATEERKOM
- CREDIT PRIVILAGE
- CONTACTLESS CARDS
- Islamic Credit Cards for Safwa bank & Al Rajihi
Operations Assistant Section Head
Jordan Ahli Bank –Credit Cards Center
01.2007 - 01.2009
Senior Officer at the Operations Department
Jordan Ahli Bank –Credit Cards Center
01.2004 - 01.2007
Officer at the Operations Department
Jordan Ahli Bank –Credit Cards Center
01.2003 - 01.2004
Education
B.A. - Administration and financial Sciences with major in Accounting
Philadelphia University
01.1998 - 01.2002
General Secondary Exam (High School Diploma) - Commercial Branch
Patriarchal College Amman
Skills
- Excellent command in using Microsoft office
- Excellent In Typing both Arabic/English
Problem-solving
Operations management
Customer service
Performance monitoring
Staff management
Team leadership
Data analysis
Decision-making
Certification
MasterCard University - Introduction To Credit Cards
Timeline
Cards Operations Manager
Bank of Jordan
11.2021 - Current
Cards Operations and retail loans Manager
Capital Bank of Jordan
03.2020 - 02.2021
Issuing & Acquiring Operations Support Manager
MEPS (Middle East Payment Services)
09.2014 - 01.2020
Operations Assistant Manager
MEPS (Middle East Payment Services)
01.2009 - 09.2020
Operations Assistant Section Head
Jordan Ahli Bank –Credit Cards Center
01.2007 - 01.2009
Senior Officer at the Operations Department
Jordan Ahli Bank –Credit Cards Center
01.2004 - 01.2007
Officer at the Operations Department
Jordan Ahli Bank –Credit Cards Center
01.2003 - 01.2004
B.A. - Administration and financial Sciences with major in Accounting
Philadelphia University
01.1998 - 01.2002
General Secondary Exam (High School Diploma) - Commercial Branch
Patriarchal College Amman
Similar Profiles
Ali MansourAli Mansour
VP Of Operations & Administration at BANK OF JORDANVP Of Operations & Administration at BANK OF JORDAN
Abdullah AbbadiAbdullah Abbadi
Sales and Services Officer at Bank of JordanSales and Services Officer at Bank of Jordan
Dana MalayshehDana Malaysheh
Senior Financial Credit Analyst at Bank of JordanSenior Financial Credit Analyst at Bank of Jordan
AL-HUSSEIN AL-RAWIAL-HUSSEIN AL-RAWI
Medical Intern at Altınbaş University Medical Park HospitalMedical Intern at Altınbaş University Medical Park Hospital
Oun YacoubOun Yacoub
Real Estate Investment Associate at Konya Real Estate & DevelopmentReal Estate Investment Associate at Konya Real Estate & Development