Zamzam Sibtain
Muscat,Oman
Summary
Accounting and Finance graduate with Honor's from the University of Bradford, currently pursuing ACCA qualification. Experienced in fintech operations at OMPay and audit practices at KPMG. Skilled in reconciliation, reporting, payroll, and financial statement preparation. Certified in Financial Technology, with expertise in digital payment systems and blockchain applications. Committed to driving financial efficiency and advancing professional expertise through ACCA membership.
Overview
4
4
years of professional experience
5
5
years of post-secondary education
Work history
Accounting assistant
OMPAY
Muscat, Oman
2024.07 - 2026.06
- Reconciled bank statements and ensured accurate transaction recording.
- Processed invoices and verified financial data for timely vendor payments.
- Performed daily reconciliations between third‑party payment gateways (SalisPay, Open Acquiring) and GFT transactions.
- Managed merchant settlements, PG transfers, refunds, waivers, and manual adjustments (chargebacks & partial refunds).
- Handled full chargeback process (OAB & Omantel) and resolved merchant queries.
- Prepared daily, weekly, monthly, and ad‑hoc MIS, CEP, PG, and CBO reports.
- Maintained VAT invoices, purchase orders, and accurate financial documentation.
- Assisted with payroll processing and employee payments.
- Supported Accounting Manager in financial operations and reporting.
Finance Trainee
OMPAY
Muscat, Oman
2024.05 - 2024.07
- Participated in monthly close procedures, verifying journal entries for accuracy and proper documentation.
- Assisted in the preparation of accurate and timely financial statements, supporting company''s strategic decision-making process.
- Produced financial statements and reports to comply with regulations.
- Prepared and posted financial journal entries using technically relevant software.
Internal audit intern
KPMG
Muscat, Oman
2022.07 - 2022.09
- Conducted interviews with department heads to gather insights on functional operations, enhancing understanding of business processes for more effective audits.
- Provided reporting for compliance and internal audit team
- Prepared working papers, reports and supporting documentation for audit findings.
- Supported senior auditors in executing comprehensive audit programs, covering wide range of business functions and operations.
- Developed understanding of company audit methodology, approach and tools while working under supervision of licensed auditors.
Education
Association of Chartered Certified Accountants - Accounting, Finance, and Audit
Phoenix
Muscat 2026.06 -
Certification Award - Financial Technology
College of Banking And Financial Studies
Muscat 2023.05 - 2024.05
Bachelor of Science - Accounting and Finance
College of Banking And Financial Studies
Muscat 2019.07 - 2023.07
General Education Diploma - Science Bilingual
Al Raneem International Private School
Muscat 2018 - 2019
Skills
- Financial Operations: Reconciliation, reporting, payroll processing, audit support
- Payment Gateway Experience: OMPay payment Gateaway, SalisPay (settlements, transaction monitoring)
- Excel Expertise: Pivot Tables, formulas, conditional formatting, data reconciliation
- Accounting Software: Odoo (basic), Zoho Books (basic)
- Professional Skills: Time management, teamwork, research, meeting deadlines, working under pressure
Personal Information
Gender: Female
Birthday: 25/10/2001
Nationality: Pakistani
Hobbies: Fashion Designing, Coloring, Reading
Languages
Arabic
Proficient (C2)
English
Advanced (C1)
Hindi
Advanced (C1)
Accomplishments
- Oman Arab Bank Workshops – Training in Personal Branding and Interview Preparation
- ACCA (in progress) – Strategic Professional level, 5 exams remaining
Timeline
Association of Chartered Certified Accountants - Accounting, Finance, and Audit
Phoenix
2026.06 -
Accounting assistant
OMPAY
2024.07 - 2026.06
Finance Trainee
OMPAY
2024.05 - 2024.07
Certification Award - Financial Technology
College of Banking And Financial Studies
2023.05 - 2024.05
Internal audit intern
KPMG
2022.07 - 2022.09
Bachelor of Science - Accounting and Finance
College of Banking And Financial Studies
2019.07 - 2023.07
General Education Diploma - Science Bilingual
Al Raneem International Private School
2018 - 2019