Chief Compliance & Risk Officer, Jingle Pay, UAEE

Muhammad Rashid is a seasoned financial services professional, co-founder of Jingle Pay, founder and CEO of Finbler, and a certified compliance expert with over 19 years of deep experience in overseeing enterprise-wide compliance and risk functions. His expertise spans across building and managing compliance programs (AML/CFT, regulatory compliance, and fraud prevention), regulatory consultancy, drafting financial services regulations and frameworks, and leading transformation and operations management in globally renowned financial institutions. Rashid has worked with leading banking institutions, payment service providers, Big 4 management consulting firms, fintechs, and microfinance organizations at both global and regional levels including Citibank, Western Union, PWC Middle East, Cenfri, Jingle Pay and Khushhali Bank. A digital disruption enthusiast, his unique blend of skills helps financial institutions navigate complex regulatory environments, ensuring they manage risks efficiently and effectively. He has a proven track record in designing and implementing fit-for-purpose compliance programs that allow companies to monitor, measure, and mitigate compliance risks. His goal is to ensure organizations have transparent, compliant operations that meet evolving regulatory demands.