Laith A.

Oversees multi-gateway payment operations which include payment issuance, trust account processes, and coordination with third-party PSPs, while addressing discrepancies in high-volume daily transactions. Conducts detailed Graduation-level compliance audits, examining contracts, enrollment terms, and financial compensation records to ensure alignment with US federal and state regulatory standards and internal underwriting guidelines. Manages B2B relationships, maintaining correspondence with creditors, lenders, and CRM systems teams, which requires accuracy and professionalism in sensitive interactions. Developed and introduced a six-domain operational control framework to improve payments, compliance, and process efficiency, presented directly to senior management. Employs structured root cause analysis to address recurring operational challenges by responding to actual business needs, collaborating with R&D and CX functions for continuous process enhancements. Initiates technical solutions and automation to minimize manual effort in repetitive tasks throughout the team. Works closely with US-based Compliance, Legal, and Underwriting teams, gaining substantial knowledge of the US financial regulatory landscape. Guides a team of 8 to 10 specialists focused on payments, compliance, and related functions, overseeing performance, coaching, and quality standards for over 300 cases daily.

As a Settlement at Risk Agent, evaluated payment files for fund sufficiency, compliance, and accuracy of execution, resolving escalations through B2B coordination with creditors and legal teams concerning payment returns and blocked transactions. In the role of Graduation Agent, executed end-stage compliance audits, assessing enrollment details, contracts, financial records, and adherence to program guidelines to ensure compliance with US regulatory standards prior to account closure.

Engaged with Oracle-based systems and various CRM platforms to facilitate transaction processing and account activations, handling high volumes of daily operations.