About Muhammad
Senior Software Engineer with over 7 years of specialized experience in Banking and Payment Systems. Expert in the full software development lifecycle (SDLC) using the .NET Ecosystem (C#, ASP.NET, SQL). Deep technical proficiency in global payment standards, including SWIFT ISO 20022, RTGS, ACH, and Banking Payment Domain. Proven track record of delivering mission-critical financial infrastructure for Central Banks and Top-Tier Financial Institutions. Currently pursuing a Master's in Computer Science in Italy.
English
Fluent
Urdu
Native or bilingual
Can work on-site
Milan (up to 50km), Varese (up to 50km), Rome (up to 50km), Bologna (up to 50km), Vicenza (up to 50km)
Experience
- NATIONAL BANK OF OMANSenior Officer – IT ApplicationsMarch 2022 - November 2025 (3 years and 8 months)Muscat, OmanKey Architect for the bank's transition to modern payment standards, managing integrations with the Central Bank of Oman (CBO).• SWIFT ISO 20022 Migration: Engineered an in-house .NET engine to ingest XML from multiple channels (Mobile, B2B, and Branch) and generate valid MX messages (pacs.008, pacs.009) for the SWIFT Alliance Access (SAA) gateway.o Successfully executed the production go-live and enablement of MX messaging on Nov 22, 2025.o Configured SAA for MX gateways, queues, and routing rules to ensure seamless message partner connectivity.• RTGS & ACH Modernization: Led the integration of Local RTGS and ACH systems with the Central Bank, ensuring performance-optimized settlement and resolving real-time production issues.• Direct Debit Implementation: Implemented a digital Direct Debit solution to replace Post-Dated Cheques (PDCs), driving process automation and reducing operational costs.• Corporate Banking Enhancements: Upgraded the Corporate Internet Banking (CIB) system to support WPS Salary uploads, foreign telex transfers, and secure Account-to-Account transfers.• NPSS (Central Bank of UAE): Contributed to the Instant Payment Platform (IPP), enabling 24x7 real-time transactions with an SLA of <10 seconds.o Implemented ISO 20022 flows for peer-to-peer and service-provider transactions.
- TPS WORLDWIDESoftware EngineerFebruary 2020 - December 2021 (1 year and 10 months)Karachi, Karachi City, Sindh, PakistanDeveloped high-availability transaction switching solutions and digital payment platforms for international clients.
- AXON SOLUTIONSoftware EngineerMarch 2018 - September 2019 (1 year and 6 months)Karachi, Karachi City, Sindh, Pakistan• • Web Development: delivered various custom web applications for E-commerce and POS systems, utilizing DBMS architectures including Oracle and SQL Server.
Recommendations
Be the first to recommend Muhammad
Help this freelancer shine by sharing your experience working together.
These freelancer profiles also match your criteria
Agatha Frydrych
Backend Java Software Engineer
4.7
(3)
2
Baptiste Duhen
Fullstack developer
4.6
(4)
5
Amed Hamou
Senior Lead Developer
4
(2)
7
Audrey Champion
Web developer
4.3
(3)
4
Education
- Master'sUniversity of Insubria2026Computer Science
- Bachelor of SciencePAF KIET University2019Computer Science