Professional Title and Role
Waheed Mozaffar holds the position of Chief Information Officer (CIO) at Paysky, a leading digital payment solutions provider headquartered in the United Arab Emirates. His role likely encompasses overseeing the company’s information technology strategy, infrastructure, and digital transformation initiatives, supporting Paysky’s rapid growth and innovation in fintech solutions.
Educational Background and Certifications
- Holds a Master of Science (MS) degree (institution and field implied to be related to technology or business, specifically linked to International Islamic University, Islamabad).
- Certified Project Management Professional (PMP), awarded by the Project Management Institute in August 2011, demonstrating formal expertise in project leadership.
- Earned Professional Scrum Master I certification from Scrum.org (February 2019), signifying agile project management and scrum methodology proficiency.
- Additional certifications include:
- ITIL Expert Managing Across the Lifecycle (ITIL-MALC) – AXELOS (August 2018)
- Certified Business Analysis Professional (CBAP) PDU – New Horizons (June 2014)
- Microsoft SharePoint 2013 Core Solutions (February 2014)
- ISO 27001 Internal Auditor Training – LRQA (May 2013)
- PCI Compliance – New Horizons (January 2013)
- Oracle Database 11g: SQL Tuning Workshop (September 2011)
- Transformational Leadership & Innovation – Union National Bank (June 2010)
- Professional Project Management Program – Cambridge Education (August 2013)
These certifications collectively indicate a comprehensive technical and managerial expertise spanning IT service management, agile frameworks, security, compliance, database optimization, and leadership innovation relevant to fintech.
Key Projects and Contributions
Waheed has been actively involved in multiple high-profile IT projects and fintech implementations, including:
- Central Bank WSI (Wallet Services Interface) & WSS (Wallet Services Switch) Implementation (June 2018 – Present):
This initiative established a direct and efficient payment mechanism within the UAE, enabling real-time interbank fund transfers with beneficiary credit confirmation. This aligns with UAE Central Bank regulatory compliance, enhancing payment processing speed and security.
- Mobile Banking Services Development (2019–2020):
Leading efforts to enable online banking functionalities such as fund transfers, card payments, loan services, and bill payments integrated with multiple cross-border billers, supporting Paysky’s aim of expanding digital financial inclusion.
- Implementation of Mobile Device Management (MDM) via MobileIron (Feb – Jul 2018):
Designed to facilitate secure remote working capabilities by empowering staff with Doc@Work and Web@Work applications while ensuring data security through remote wipe and management controls.
- Middleware Integration & Core Banking System Migration (T24) (Since 2012):
Overseeing migration and integration of the bank’s satellite IT systems into Temenos T24 core banking frameworks, utilizing webMethods middleware to optimize transaction processing and system interoperability.
- UAE Funds Transfer System Compliance:
Ensures Paysky meets UAE Central Bank mandates for processing local incoming/outgoing transfers and remittances, evidencing experience in regulatory compliance and operational controls.
- Host to Host (H2H) Payment Implementation for Large Corporates (2016-2017):
Architected secure digital transaction file transfers between corporate clients and banking systems, including validation and processing compliant with SWIFT and UAEFTS frameworks, emphasizing high security and accounting accuracy.
- BPMS Migration to webMethods (2016):
Led business process management system upgrade enhancing operational efficiency and adapting to dynamic business process needs.
- Document Management System Optimization (2016):
Enhanced document scanning, indexing, and retrieval systems, aligning physical and digital workflows for improved content management.
Besides these, Waheed contributed to projects involving AI-driven banking services, biometric integration for onboarding, and legacy system modernization, indicative of a broad fintech technology leadership portfolio.
Professional Affiliations and Volunteer Work
- Active Organizer for Project Management Institute (PMI) events and communities, reflecting thought leadership in project and program management disciplines.
- Publications include works on Optical Fiber Defect Detection using Wavelets (IEEE Xplore) and various fintech-related project documentation, underscoring a blend of academic and applied technology knowledge.
Language Skills
- Fluent in Urdu, Punjabi, and Pashto, providing cultural and linguistic advantages for regional communications and partnerships, particularly within South Asia and Middle Eastern markets.
Company Context: Paysky
Paysky is a fintech company prominently recognized for delivering digital financial services and payment processing solutions across the Middle East and Africa region. It offers products and platforms including:
- Yalla Card & Yalla Super App: Digital wallets and financial super apps serving millions of users in Egypt and expanding in GCC countries.
- OMNI Payment Gateway: Multi-channel payment acceptance platform for merchants and businesses.
- Paysky's SoftPOS & mPOS products: Android-based POS systems with integrated card acceptance, thermal printing, and barcode scanning.
- Banking Solutions: White-labeled payment technology for banks, including real-time payment switches, tokenization, fraud prevention, and identity management systems.
Paysky ranks among Forbes’ Top 50 Fintech Companies in the Middle East (2024-2025) and has demonstrated strategic partnerships with major banks such as Citi and national postal authorities. The company is positioned as a growth leader focused on financial inclusion, digital commerce innovation, and compliance with Central Bank standards.
Relevant Insights
Waheed Mozaffar’s role as CIO synergizes with Paysky’s ambitious digital transformation and fintech innovation agenda. His extensive background in project management, agile methodology, banking IT systems migrations, and compliance-driven technology deployment reflects a deep operational command over Paysky’s critical digital infrastructure. His multilingual abilities enable effective stakeholder engagement across Paysky’s diverse geographic footprint. The demonstrated involvement in both strategic initiatives and tactical system implementations positions Waheed as a pivotal figure driving Paysky’s technological and operational success.
This profile highlights Waheed’s capacity to align fintech product delivery with regulatory and customer experience goals, a key asset in Paysky’s competitive positioning and ongoing expansion in the digital payments sector.
