HADI MOHAMMED REDHA AL LAWATI
Muscat,Oman/Muscat/Al Amerat
Summary
Banking technology leader with 15+ years of experience delivering and overseeing mission-critical payment, card, switching and digital banking solutions. Executive Manager leading teams responsible for payment systems and customer-facing digital applications, with a track record in modernising platforms, governing complex programmes, coordinating vendors and payment schemes, and supporting secure, reliable banking services. PhD researcher in adaptive fraud detection and machine learning.
Overview
1
1
Language
15
15
years of professional experience
Work History
Executive Manager
Bank Dhofar
12.2025 - Current
- Oversee delivery and change across PowerCARD/card processing, ATM/CDM, POS acquiring, payment gateways, issuing platforms, IVR, call center and associated integrations.
- Lead team planning, priorities, technical direction, vendor management and collaboration with business, operations, security and infrastructure stakeholders.
- Governed lifecycle from requirements and solution design through SIT, UAT, approvals, controlled go-live, and post-implementation stabilization, ensuring project alignment and quality.
- Drove modernization, scheme/regulatory integrations, and service reliability, resolving incidents and maintaining version control and release quality.
- Led banking application teams across payment systems, transaction switching, and customer-facing digital banking technologies, enhancing service delivery.
IT Card Technology Specialist / Technical Lead
Sohar International
06.2019 - 12.2025
- Managed integration of PowerCARD, ATM switching, instant and central card issuance, and card servicing, driving production readiness for acquiring solutions.
- Contributed to development of tokenization, digital wallets, payment gateway, SoftPOS, and ATM/POS modernisation, facilitating card migrations and bank integration initiatives.
- Led delivery and advanced support for card, switch, and terminal technology, ensuring seamless operations and enhanced user experience.
IT Delivery Manager – Channels & Payments
Bank Dhofar
01.2019 - 06.2019
- Led projects for digital channels and payments, defining requirements, conducting tests, launching applications, fostering vendor relationships, and collaborating with businesses to facilitate effective implementation.
- Reported regularly on project data and kept leadership informed of progress.
- Arranged upgrades to hardware and software to maintain technological capabilities.
- Assigned and monitored work of computer-related professionals.
Software Engineer – Cards, Switching & ATM
Bank Dhofar
12.2011 - 12.2018
- Developed and integrated card management, issuing, ATM/CDM, and terminal interfaces; supported banking systems and provided Level 3 support during SDLC releases.
- Collaborated with cross-functional teams to identify system requirements, improving software functionality and user experience.
- Developed and implemented new software applications, enhancing company productivity and client satisfaction.
- Monitored system performance post-deployment, addressing any issues promptly to maintain high levels of operational efficiency.
Education
MSc - Computer Science
Staffordshire University
United Kingdom01-2011
BSc - Computer Science
Staffordshire University
United Kingdom01-2009
PhD - Computer Science
Universiti Teknologi Malaysia (UTM)
MalaysiaSkills
- Payment switch & card processing
- Issuing & acquiring
- Payment systems and scheme integration
- Powercard
- Payment gateways
- POS / SoftPOS merchant acceptance
- ATM / CDM
- IVR & call centre applications
- Digital channels & APIs
- HSM integrations
- SIT / UAT / release governance
- Project delivery
- Vendor & scheme coordination
- Technology team leadership
- Oracle/SQL Server
- NET / C# / Java
- APIs
- Production support and change management
- Production support and change management
Websites, Portfolios, Profiles
linkedin.com/in/hadi-al-lawati-2a76662b
RESEARCH & PUBLICATIONS
- 2025 | IEEE Access — Published. “An Integrated Preprocessing and Drift Detection Approach With Adaptive Windowing for Fraud Detection in Payment Systems.” IEEE Access, Vol. 13, pp. 92036–92056. DOI: 10.1109/ACCESS.2025.3569609.
- 2026 | International Journal of Safety and Security Engineering — Accepted. Manuscript ID 45657; publication bibliographic details pending.
SELECTED PROGRAMS & PLATFORM PORTFOLIO
- Payment switching & processing — PowerCARD upgrades and migration; ATM/CDM and POS transaction switching; issuing and acquiring integration; payment scheme connectivity.
- Merchant acquiring & terminals — POS acquiring across traditional POS, Android/Smart POS and SoftPOS; selected solutions include Mosambee SoftPOS, P10, Bishara and SalisPay.
- Card issuance & lifecycle — Instant Card Issuance and Central Card Issuance; new BIN/product launches, card personalization, debit/credit/prepaid and digital cards.
- Digital banking & customer channels — IVR and call-center applications, digital banking interfaces, card self-service features and related channel integrations.
- Digital payments & acceptance — OmanNet/Maal, payment gateways and migration, tokenization, Apple Pay / Samsung Pay, contactless EMV and scheme acquiring.
- ATM/CDM transformation & governance — GRG, NCR and Wincor platforms, cash deposit/recycler enhancements, testing, controlled releases and PCI DSS-related initiatives.
Languages
Arabic & English
Timeline
Executive Manager
Bank Dhofar
12.2025 - Current
IT Card Technology Specialist / Technical Lead
Sohar International
06.2019 - 12.2025
IT Delivery Manager – Channels & Payments
Bank Dhofar
01.2019 - 06.2019
Software Engineer – Cards, Switching & ATM
Bank Dhofar
12.2011 - 12.2018
MSc - Computer Science
Staffordshire University
BSc - Computer Science
Staffordshire University
PhD - Computer Science
Universiti Teknologi Malaysia (UTM)