MOHAMMEDTHOWFIQ® Let’s talk
01—06 / DOHA, QA

FINTECH ENGINEER · TECHNOLOGY CONSULTANT

FINANCE,ENGINEEREDFORWARD.

Mohammed Thowfiq in professional attire
BASED INDOHA25.2854° N
51.5310° E

More than half a decade turning complex financial infrastructure into resilient, connected, production-ready platforms.

Explore the work ↘Credentials ↓
SCROLL TO EXPLORE ↓
PAYMENTS✦CORE BANKING✦AGENTIC AI✦CLOUD✦PLATFORM ENGINEERING✦ PAYMENTS✦CORE BANKING✦AGENTIC AI✦CLOUD✦
/ 02 PROFILE

THE THROUGHLINE

I work where money, systems and people meet.

I’m a fintech professional who knows core banking deeply—not just a core-banking specialist confined by one platform.

My work spans payment modernization, enterprise integration, cloud transformation and reliable financial systems. Temenos is part of the toolkit. The bigger mission is making financial technology simpler, faster and ready for what comes next.

EXPERIENCE>½

Decade across high-stakes financial technology

FOOTPRINT05

Markets across the Middle East, India and Europe

PERSPECTIVE360°

From architecture and delivery to production support

/ 03 CAPABILITIES

A FULL-STACK FINTECH TOOLKIT

Strategy in the room.
Depth in the system.

From stakeholder conversations to production troubleshooting, I connect business intent with the engineering required to ship it.

01

Fintech & Core Platforms

T24 Transact · Temenos Payments Hub · Quantum Fabric · Visualizer · IRIS · TAFJ · TAFC · Arrangement Architecture · Retail · Deposits · Lending · Corporate & Islamic Banking

02

Payments & Integration

ISO 20022 · SWIFT · SEPA · RTGS · FAWRAN · WPS · QIPs · REST APIs · IBM MQ · ActiveMQ · IIB · Camel · Spring Boot · Microservices

03

Engineering & Data

Java · InfoBasic / jBC · Python · SQL · MongoDB · Cassandra · jBase · Template Programming · Extensibility · MDAL · Interface Development

04

Cloud & DevSecOps

Azure · AWS Architecture · Terraform · Ansible · Jenkins · Docker · Kubernetes · Helm · OpenShift · Git · Bitbucket · Linux

05

AI & Intelligent Systems

Agentic Workflows · Retrieval-Augmented Generation · MCP · Guardrails · Human-in-the-loop Systems · Document Intelligence · Evaluation & Observability

06

Delivery & Leadership

Solution Design · Requirements Analysis · Stakeholder Management · Project Leadership · IT Service Management · SIT / UAT · Production Support · Performance Optimization

/ 04 CREDENTIALS

CERTIFIED FOR THE BIG PICTURE

Business fluency.
Technical authority.

Five credentials spanning leadership, service, cloud, banking architecture and Temenos delivery.

01
PROJECT LEADERSHIP

PMP®

Project Management Professional

PMI
02
SERVICE MANAGEMENT

ITIL® 4

Foundation Certified

ITIL
03
CLOUD ARCHITECTURE

AWS SAA

Solutions Architect — Associate

AWS
04
BANKING ARCHITECTURE

BIAN

Banking Industry Architecture Network

BIAN
05
TEMENOS DELIVERY

TCCP

Temenos Certified Consultant Program — Completed

TEMENOS
/ 05 SELECTED WORK

TRANSFORMATION, NOT JUST DELIVERY

Built in the real world.
Designed to endure.

Five banking programmes. Different markets, platforms and pressures—one consistent focus on resilient delivery.

01
PAYMENTSISO 20022SWIFT
DUBAI ISLAMIC BANK · UAE

Rewriting the language of global payments.

MT-to-MX transformation across CHAPS and MEPS+, with payment processing support, data validation and SWIFT-aligned delivery.

Abstract message packets passing through a precise transformation gateway
ISO 20022 · MESSAGE EVOLUTION
02
PLATFORMMIGRATIONCORE
NATIONAL BANK OF KUWAIT · EGYPT

Modernizing a bank without missing a beat.

T24 upgrade with Arrangement Architecture migration, data mapping, reconciliation, validation and SIT/UAT support.

Abstract legacy core architecture reorganizing into modular infrastructure
CONTROLLED · CORE MODERNIZATION
03
CLOUDIaCAZURE
NATIONAL NETHERLAND BANK · NETHERLANDS

Moving critical infrastructure into the cloud.

On-premise to Azure migration, infrastructure design and repeatable deployments using Terraform.

Abstract financial infrastructure nodes migrating into a distributed cloud canopy
INFRASTRUCTURE · AS CODE
04
TPHAPIsPAYMENT RAILS
COMMERCIAL BANK OF QATAR · QATAR

Connecting payment rails into one resilient ecosystem.

End-to-end Temenos Payments Hub delivery across FAWRAN, WPS, QIPs, RTGS, SWIFT and SEPA, integrated with core banking, AML and fraud platforms.

Abstract central payments hub connecting multiple resilient transaction rails
CONNECTED · PAYMENT NETWORK
05
MODEL BANKREPORTINGVALIDATION
SAFA BANK PALESTINE · CAPITAL BANK OF JORDAN

Strengthening the systems behind daily banking.

Model Bank environment validation, COB and data-injection testing, plus FCM reporting and SQL optimization for dependable operations.

Abstract financial data modules moving through validation gates into a control plane
VALIDATE · OPTIMIZE · REPORT
/ 06 OPEN SOURCE

CONTRIBUTING IN THE OPEN

Small changes.
Real impact.

I contribute focused fixes, tests and documentation improvements across cloud, developer tooling, data and AI projects.

09MERGED OR RELEASED
03UNDER REVIEW
VIEW GITHUB ↗
MERGEDKUBERNETES · DEVELOPER TOOLING

Radar

Added cleanup TTL visibility for Jobs, CronJobs and ScaledJobs, with regression coverage across resource types.

PR #1605 ↗ MERGEDAPACHE · DATA

Apache Sedona

Published documentation sitemaps at every language root.

PR #3309 ↗ MERGEDJAVA · CLOUD NATIVE

Quarkus

Corrected numbered callout lists across documentation examples.

PR #56391 ↗ MERGEDDEVELOPER EXPERIENCE

Archify

Restored preview updates by falling back to polling after watcher failures.

PR #275 ↗ RELEASED · 2.11.1MACOS · PRODUCTIVITY

MTPLX

Fixed scrolling and document height for long chat drafts.

PR #437 ↗ UNDER REVIEWAI · MEDIA PIPELINE

OpenMAIC

Preserved planned audio during chunk assembly and protected retries from stale artifacts.

PR #1358 ↗ MERGEDPYTHON · MACHINE LEARNING

TDHook

Simplified nested-key handling by adopting TensorDict's native key type.

PR #134 ↗ MERGEDRELEASE ENGINEERING

Needle

Fixed release tagging so versioned distributions point to the correct source.

PR #106 ↗
ALSO CONTRIBUTED TO

Semantiq · LoopX · TencentDB Agent Memory · Manim

/ 07 AI LAB

EXPERIMENTS IN PROGRESS

Learning the systems
that will shape the next decade.

These are active explorations—not inflated production claims.

BUILDINGAI/001

Autonomous Opportunity Agent

A human-in-the-loop workflow for role discovery, fit analysis, tailored application documents and progress tracking.

  • Long-horizon agents
  • Structured workflows
  • Document generation
EXPLORINGAI/002

MCP-native Financial Operations

A concept for governed, observable agent access to banking tools and data through standardized connectors and approval gates.

  • Tool protocols
  • Guardrails
  • Enterprise identity
RESEARCHINGAI/003

Banking Knowledge Intelligence

Exploring retrieval-grounded assistants that turn policies, technical manuals and operational knowledge into traceable answers.

  • RAG
  • Citations
  • Knowledge systems
CONCEPTINGAI/004

Payment Exception Copilot

Designing an explainable assistant that classifies payment failures, gathers relevant context and proposes controlled resolution paths.

  • Exception triage
  • Explainability
  • Human approval
PROTOTYPINGAI/005

Financial Document Intelligence

A multimodal extraction concept for turning complex banking documents into structured, reviewable and traceable data.

  • Multimodal AI
  • Schema extraction
  • Confidence scoring
RESEARCHINGAI/006

AI Release Risk Assistant

Exploring an agent that reviews change evidence, test outcomes and operational dependencies before financial-platform releases.

  • Change intelligence
  • Guardrails
  • Release evidence
/ NEXT MOVE

LET’S BUILD SOMETHING CONSEQUENTIAL

Bring me the problem
that keeps you thinking.

START A CONVERSATIONmohammedthowfiq2@gmail.com↗
LINKEDIN ↗GITHUB ↗CREDENTIALS ↑