Mohamed Rafiq M

18+ years experience | IT & Mobility Solution Architect| Fintech | BFSI | E-

commerce | Payments | Payment Gateway | Android POS| Mobile payments |
Scrum master
Chennai, Tamil Nadu, India

Summary
Possess in depth knowledge and experience in architecture solution covering

Contact
+91-950-000-5120 (Mobile)
mailboxofrafiq@gmail.com
www.linkedin.com/in/rafiqprofile
(LinkedIn)
Digital payments, Android POS, UPI, Local payment methods, ESB, Mobility,
Cloud, Social channel integration & Business Analytics.
Possess IT experience of 18+ years in Banking & financial services, Retail,
Enterprise Mobility, Mobile-Social channel integration, Cloud & Cross-Channel
integration solutions, Mobile payments, Android POS & PCPOS integration

Top Skills Lead, SME & thought leader of Mobility solutions (IOS, Android, Windows
and Cross Platform) for fortune 500 clients across the globe.
Fintech

Android, iOS & Android POS Supporting complete solution lifecycle including pre-sales, RFP responses

& designing solutions

Mobile Solution Architecture
Ability to lead high level and detailed design for Mobility projects that focus on
IT Solutions
planning deploying, and targeting new implementations or upgrade existing.

Payments, BFSI & Payment Gateway

Worked on 18+ Mobile apps in banking, Fintech, mobile payment,

payment gateway ecommerce & insurance domain

Languages
English (Professional Working)
Skilled in rapid prototyping/POC efforts and large-scale enterprise wide roll
out planning, handled 100+ large teams mentoring developers & testers to
Honors-Awards
follow standardized agile processes.
Best H3 (Social-Mobility-Analytics-
Cloud) portfolio 2012
"Road Less Traveled" Award 2012
Innovative Student Project Award
2004

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 Experience
Fiserv
Head of Android POS & Mobility solutions
July 2021 - Present
Chennai, Tamil Nadu, India

 Responsible for Android POS, mobility solutions, emerging payments & enterprise service bus for mobility

solutions for India, Australia, EMEA & ASEAN regions.

 Working closely with business & provide solution architecture, delivery scheduling & risk evaluations along

with sprint planning

 Ability to lead unique, cutting-edge applications for different handset/card terminals and user requirements,
update patches, modules and components for different applications.

 Worked with various OEMs like PAX, Verifone & Clover & local payments methods (LPM)

 Integration of Unified payment interface (UPI), Printer less POS devices, Integration with Oracle OPI,
Pay@table, Wi-Fi/USB/Cloud based retail integration solutions, Compliance initiatives of VISA, Master Card &
RBI are my recent projects

 My mobile apps portfolio includes mobile solutions for Android POS payment & LPM apps, App for field service
engineers, mobile payment solutions etc...

Worldline Global
Assistant Vice President Technology
February 2016 – June 2021 (5 years 4 months)
Chennai, Tamil Nadu, India

 Working on mobile payments, Android POS, emerging payments, enterprise service bus & retail integration.

 Working closely with business side to develop products as per market demand.

 Working on Payment gateway integration for mobile & web payments

 SPOC for QR based payments & UPI payments.

 Successfully launched more than 12 mobile apps for various banks in India with payment gateway integration,

QR payment acceptance, merchant instant onboarding and retail integration.

 Launched ESB (Enterprise service bus) product for entire organization for smooth transfer of data between silos

of systems.

 Merchant manager app to service merchant without calling customer service helpline.

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Hewlett Packard

Mobility Solution Architect

July 2014 - January 2016 (1 year 7 months)
Chennai Area, India

 Working & interacting with 10+ customers, understanding their problem statement & providing
appropriate mobility solutions.

 Supporting complete solution lifecycle including pre-sales, RFP responses & designing solutions.

 Lead, SME & thought leader of Mobility solutions (IOS, Android, Windows and Cross Platform) for fortune 500
clients across the globe.

Cognizant Technology Solutions

9 years 11 months

Mobility solution architect

 Analysis of market share of various mobility solutions, mobile devices & OS versions. Propose solutions &
recommendations to client based on the market research reports.

 Validating mobile solutions based on various parameters like world-class design, usability, heuristics and
visual theme.

 Worked on more than 18+ unique mobility solutions which comprises of enterprise mobility, mobile as
alternate channel, mobile payments & banking apps.

 Some well-appreciated mobility solutions in my portfolio:

 Treasury products on mobile: This BPM integrated iPad app provides provision to browse and assign
treasury products, CRUD operation on sales order, get customer's signature and info the fly.

 Mobile real estate management system: This BPM integrated iPad app enables mobile channel for real
estate consultant to verify loan request while inspection of site and approve it on the fly.

 Mobile Banking: End-to-end mobile banking app for retail customers facilitates users to access their
account information, transfer funds, bill payments, remote deposit capture, personal finance
management and locate branches.

 Customer Acquisition mobile solution: This iPad sales app gives a well-organized info about products
and services offered by clients. Technical architecture is designed in a way to display content
dynamically & enables consultant to get customer lead.

 Mobile Payment Solution: This solution enables smartphones as POS machines with coupons
redemption, customer loyalty management, end-to-end settlement & social channel integration.

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  Meetings on Mobile: This 2-level solution for affluent clients integrates iPad with workflow to review and
approve meeting docs before it gets published to audience. Participants can collaborate on docs,
annotate & work on action items.

 Business Intelligence Solution: This supports a full range of BI functionality, from stunning business
dashboards to sophisticated statistical analysis and data mining

Education
University of Madras
Bachelors of Technology, Information Technology · (2000 - 2004)

Boston Matriculation School

High School, Science, Social Science, English & Mathematics · (1992 - 2000)

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