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🚀 Top-Rated Product Manager with 10+ years of experience I specialize in transforming ideas into successful products. With a strong background in Agile methodologies and AI integration, I have led cross-functional teams across various domains, including Health, Education, and Travel. 🎯 Core Competencies: Agile Project Management (Scrum, Kanban) Product Development Product Management Lifecycle management Product Lifecycle Management UX/UI Collaboration (Figma, Wireframes) Data-Driven Decision Making (A/B Testing, Analytics) 💡 Certifications: Google Certified Project Manager IBM Product Management Certified Scrum Master (CSM) Advanced Certified Product Owner (A-CSPO) 🔧 Tools & Technologies: Jira · Figma · Miro · Notion · GitHub · ChatGPT, Let's collaborate to bring your product vision to life. Reach out for a consultation!

For 15+ years I was the person at the bank deciding whether merchants won or lost chargebacks. Now I fight for merchants instead. I've worked both sides (Issuing and Acquiring) across Visa, Mastercard, AMEX and UnionPay. Certified directly by Visa and Mastercard in Dispute Resolution, Arbitration, VROL/MasterCom and end-to-end Chargeback Management. That insider perspective is what separates my work from every other chargeback freelancer on this platform. What I do differently: I don't generate template responses. I build cases the way bank reviewers actually evaluate them: right evidence, right order, mapped to the reason code, structured to win. Full dispute lifecycle coverage: → Chargeback responses and rebuttal letters → Re-presentments, Pre/Arbitration and compliance → Threshold monitoring (Ethoca, Verifi, VAMP, MATCH) → Checkout and policy audits to prevent disputes before they start → Chargeback department setup for growing merchants and enterprises Platforms: Shopify · Stripe · PayPal · NMI · Maverick · Braintree · WooCommerce · Amazon · Authorize.net · Klarna · AMEX · Airwallex ·Slack · Gorgias · Freshdesk, Zoho and more. The numbers: → 155+ jobs · 3,700+ hours · 100% Job Success · Top Rated Plus → Ranked #1 on Google search as "The best chargeback freelancer" → Won disputes from $50 to $21,000+ for individual merchants From startups building dispute workflows to enterprise clients seeking full setup - I've handled it. Dealing with chargebacks you should be winning? Message me. I respond within 4 hours.

As an ACCA Affiliate with hands-on experience in the UK's financial landscape, I help Small and Medium Enterprises (SMEs) stay 100% compliant while maintaining crystal-clear books. I don’t just "do bookkeeping"—I handle the entire lifecycle of your accounts, from the first transaction to the final submission. What I bring to your business: - Statutory Accounts: Preparation and finalization of year-end accounts in accordance with FRS 102 (1A) and FRS 105, ready for Companies House submission. - Corporation Tax (CT600): Accurate tax computations and direct filing with HMRC, ensuring you claim all eligible reliefs. -VAT Management: End-to-end VAT calculation, reconciliation, and MTD-compliant filing to HMRC. -Full-Cycle Bookkeeping: Expert management of Xero, QuickBooks, and Sage to keep your trial balance "audit-ready" at all times. -Clean-up & Catch-up: If your books are a mess or months behind, I will reconstruct them with precision. Why hire me? ✅ UK Specific Expertise: Deep understanding of UK GAAP and HMRC regulations. ✅ Software Pro: Certified QuickBooks ProAdvisor and proficient in Xero, Sage, and IRIS. ✅ Detail-Oriented: I catch the errors that others miss, saving you from potential penalties. My goal is to take the stress of "the numbers" off your plate so you can focus on growing your business.

I help SaaS companies and fintech platforms identify critical vulnerabilities before they become breaches or compliance failures. Recent findings include privilege escalation (viewer → full admin), IDOR exposing financial data, and broken session management enabling account takeover. Real vulnerabilities acknowledged by Cambridge University, Delta Controls, and paid bug bounty programs. WHAT YOU CAN EXPECT: • Comprehensive Manual Security Testing (not automated scans) • Detailed Vulnerability Reports with CVSS Scoring • Proof-of-Concept Validation for Every Finding • Risk-Based Prioritization • Clear Remediation Guidance Your Developers Can Act On • Free Re-Test After Fixes Are Applied • Executive Summary for Stakeholders Services: 🔴 WEB APPLICATION PENETRATION TESTING ✅ OWASP Top 10 Testing (SQLi, XSS, CSRF, SSRF, IDOR) ✅ Authentication & Session Management Testing ✅ JWT Token Analysis & Manipulation ✅ Privilege Escalation (Horizontal & Vertical) ✅ Business Logic Flaw Identification ✅ API Security Testing (REST & GraphQL) ✅ OAuth 2.0 / Login with Amazon Security Review ✅ Multi-Tenant Data Isolation Testing ✅ File Upload & Storage Security Testing ✅ Input Validation & Injection Testing ✅ CSRF Protection Verification ✅ Rate Limiting & Anti-Automation Testing ✅ Security Headers & TLS Configuration Review ✅ Credential Storage & Encryption Review ✅ CAPTCHA Bypass Testing 🟠 INFRASTRUCTURE & NETWORK TESTING ✅ External Perimeter Testing ✅ Network Segmentation Validation ✅ Azure/AWS/Cloud Configuration Review ✅ Firewall & Security Group Audit ✅ VPN Security Assessment ✅ Server Hardening Review ✅ Port Exposure & Service Enumeration ✅ Active Directory Security Review ✅ Cisco/Meraki SD-WAN Security Assessment 🟡 SPECIALIZED TESTING ✅ AI/LLM Security Testing (Prompt Injection, Data Leakage) ✅ Chrome Extension Security Review ✅ Mobile App Penetration Testing (iOS & Android) ✅ CTF Challenge Solving & Walkthroughs ✅ Supabase RLS Privilege Escalation Audit ✅ AWS Serverless Security (Lambda, API Gateway, Cognito, S3, RDS) ✅ Node.js/Express Security Review ✅ React/TypeScript Application Security ✅ NestJS Security Assessment ✅ Redis Cache Security Testing 🟢 COMPLIANCE & REPORTING ✅ CVSS v3.1 Severity Scoring ✅ OWASP ASVS-Aligned Testing ✅ NIST SP 800-115 Methodology ✅ Amazon SP-API Audit-Ready Reports ✅ SOC 2 Readiness Testing ✅ Executive Summary for Stakeholders ✅ Prioritized Remediation Roadmap ✅ Proof of Concept with Screenshots ✅ Step-by-Step Reproduction Steps ✅ Free Re-Test After Remediation 🔵 TOOLS USED ✅ Burp Suite Professional ✅ OWASP ZAP ✅ Metasploit ✅ Nmap ✅ Nessus ✅ Wireshark ✅ SQLMap ✅ Postman ✅ Kali Linux ✅ Browser Developer Tools 🔴 WORDPRESS MALWARE REMOVAL ✅ Casino spam & Japanese SEO cleanup ✅ Hidden PHP backdoor detection & removal ✅ Cloaking malware removal (Googlebot-only spam) ✅ Database malware injection cleanup ✅ Fake admin user identification & removal ✅ Malicious cron job investigation (server-level) ✅ wp-config.php & .htaccess injection removal ✅ Uploads folder PHP backdoor scan ✅ Core file integrity verification (checksums) ✅ Reinfection root cause analysis ✅ Manual forensic audit (not just plugin scans) ✅ Google Search Console spam recovery ✅ Hosting suspension resolution 🟠 SECURITY HARDENING ✅ Wordfence / Sucuri installation & configuration ✅ Two-factor authentication (2FA) setup ✅ File permission lockdown (644/755) ✅ wp-config.php & .htaccess hardening ✅ XML-RPC disable or rate-limit ✅ Directory indexing prevention ✅ WordPress core, plugin & theme updates ✅ Unused plugin/theme removal ✅ Admin username & password rotation ✅ Database prefix change ✅ Off-server backup configuration ✅ SSL/TLS verification 🟢 SITE FIXES & RESTORATION ✅ wp-admin 500 error fix ✅Website errors - too many requests ✅ White screen of death recovery ✅ Login page recovery (locked out admin) ✅ Hacked site restoration (with or without backup) ✅ Spam content & injected posts removal ✅ Broken link & redirect cleanup ✅ Site unsuspension support 📋 DELIVERABLES ✅ Cleanup report: every infected file listed ✅ Root cause identified & entry point closed ✅ Re-scan confirming site is clean ✅ Hardening summary & prevention steps ✅ Free re-test after fixes applied ✅ 24-48 hour turnaround

⭐ 5 years as "Sr. Business Analyst" and "Project Manager" for global ERP software giant. ⭐ 4000+ HOURS SUCCESSFULLY SERVED at Upwork with $70K+ earnings. ⭐Top Rated Plus ⭐ 100% Job Success ⭐ Masters in Business Studies (MBS), Bachelors of Business Administration (BBA). ⭐ Quick Learner, Result Oriented, Team Player, Honest, Hard-working, 24 hr. Response…"DM ME" Upwork TESTIMONIALS🔽 | ⭐⭐⭐⭐⭐ 5.00 | "Niban is incredibly capable and organized. Most importantly, he's a responsive and clear communicator." ⭐⭐⭐⭐⭐ 5.00 | "Professional, deliver on time. will definitely rehire" ⭐⭐⭐⭐⭐ 5.00 | "Niban led a research and review function examining RFPs for technical fit for our software product. He was a hard worker, fast learner, and outstanding team player." ⭐⭐⭐⭐⭐ 5.00 | "Niban has been an instrumental contributor to our new project as the lead research specialist. We have engaged on a full time basis for 8 months and Niban has always delivered outstanding work throughout. He will always seek feedback to improve on his deliverables. He is highly available and flexible and has provided support over and above during periods of the contract when required.. It has been a pleasure working with Niban and will be reaching out when new scope becomes available." DETAILS ABOUT MY PROFESSIONAL BACKGROUND: I started as an "Associate Business Analyst" in 2011 at Pioneer Solutions LLC, Denver, CO (acquired by Hitachi Energy Ltd.). There, I worked until 2016 promoted as a Sr. BA and PM. Our ERP software specialized in Energy Trading and Risk Management (ETRM), enhancing operational efficiency and minimizing financial risks for large energy traders and utility companies in the US and Europe. ➡️BUSINESS WORKFLOW AUTOMATION: At Pioneer, I conducted industry research for B2B clients in the US Renewable Energy Credit (REC) market. I transformed this into Business Requirement Documents (BRDs) and System Requirement Specifications (SRS), automating processes into our SaaS-based ERP system. The software streamlined and automated the entire Front, Middle, and Back Office business operations. ➡️FINANCIAL ANALYSIS AND MODELI: I managed and extracted clients’ large financial datasets from MS SQL Server DB and modeled them into their required financial reports by using MS Excel data modeling functions; and created Decision Support System with critical reports like RPS Compliance, Transactions, Positions, Price and FX, Mark-to-Market, Accounting, and Settlement reports. During my 5 years tenure at Pioneer Solutions, I led the development of "RECTracker," an ERP system that remains a key product at Hitachi Energy. ✍️Later, AS A FREELANCER: ⏲️ (2021 - 2022): "Lead Research Analyst" to an Ecommerce platform development company based in Perth, AUS. ⏲️ (2023): "RFP Reviewer for a software product fit" (Business Data and Research Analyst) for "Salient Systems Corporation", TX, US. ⏲️ (2021 - 2024 short-term services): ✔️Quality Analyst, Test Planning and Documentation at Zurmo CRM, ✔️Business Analyst (System Requirement Specification Writer) to Telesoft AI, ✔️Data Analyst for Dentaweb software, ✔️Business Analyst (Business Requirement Document Writer) for Tekyz software. ✔️Bid Manager at "Nuage Concepts Software Consultancy", ✔️Researcher and Report Writer of Gen AI Startup for a VC firm, ✔️Data Analysis and Visualization using MS Power BI for EIC Startup winners, ✔️Researcher in FDA Compliance and Amazon FBA programs for Manufacturing Business, ✔️Google Sheets Financial Automation, etc. I can be your GO-TO PERSON in utilizing various SOFTWARE TOOLS/APPS such as: 👉MS Excel, Word, PPT, Google Sheets, Visio and any related tools for report and documentation. 👉Expert in working with large Datasets: From Data Cleanup, Modelling, Analysis, Visualizations to Data and Process Automations using MS Excel's ADVANCED FORMULAS, PIVOT TABLES, CONDITIONAL FORMATTING, DATA VALIDATION, DATA IMPORT, MACRO/VBA, etc. 👉Used several Productivity and Team Management Apps including Slack, Confluence, Jira, Google Suite, MS 365 Suite, Trello, Asana, etc. 👉Fair applied knowledge of programming languages such as: HTML, CSS, JS, MS SQL Server and DB, and software development environment/architecture. 👉Fairly used WordPress, Canva, Xero Accounting Software, CRM, ERP, Figma, etc. (NOTE: Given my background, the BEST SKILL I HAVE is that I am able to quickly learn and figure out utilizing many software applications functionally.) 🤝I believe in contributing valuably to my employer and maintaining lasting relationship. I won't mind going extra miles for my clients to be successful. Given the opportunity, I am committed to studying and working on your current issues. PLEASE FEEL FREE TO MESSAGE or SCHEDULE A CALL; response within 24 hour is a promise. Thanks! Have a Great Day! 🙏

With almost a decade of hands-on experience in fintech and cross-border payments, combined with a deep-rooted passion for Digital Payment System and Regtech, I have been equipped with a comprehensive understanding of Operational and Regulatory compliance which help organizations identify suspicious and fraud transactions and keep organizations compliant with the regulatory authorities.While I may not possess a traditional bachelor’s degree, my practical expertise make me a strong candidate for any roles related to operation and compliance. Here’s what I bring to the table: 1. Transaction Monitoring - Demonstrated expertise in leveraging automated tools (LexisNexis, Shufti Pro, Ideology, SIFT Science) to effectively identify suspicious transactions and patterns, with a keen eye for detail. - Skilled in developing and refining transaction monitoring rules to optimize detection accuracy, and experienced in handling complex cases involving cross-border transactions and emerging payment methods. 2. Global Compliance Screening - Comprehensive knowledge of OFAC sanctions, adverse media checks, and PEP screening procedures.Ability to stay updated on evolving regulatory landscapes and emerging risks. - Proficient in conducting thorough due diligence checks on individuals, entities, and beneficial owners and also experienced in managing screening processes for large-scale customer bases. 3. Customer Due Diligence and Onboarding - Expertise in onboarding both individual and business customers and conducting thorough due diligence assessments, including customer identification, verification of identity documents, and assessment of beneficial ownership. - Skilled in evaluating customer risk profiles and implementing appropriate risk mitigation measures, such as enhanced due diligence for high-risk customers or jurisdictions. 4. Risk Assessment and Mitigation - Ability to conduct comprehensive risk assessments, identifying and addressing vulnerabilities in AML/CFT programs, including the identification and mitigation of fraud transactions. - Proficient in developing and implementing risk-based monitoring programs and evaluating the effectiveness of risk mitigation controls, with a focus on preventing and detecting fraud. - Experienced in making recommendations for improvement and enhancing the overall effectiveness of the AML/CFT program, including the implementation of fraud prevention measures. 5. Compliance Enhancement - Expertise in designing, implementing, and continuously improving compliance programs by adapting to evolving regulatory requirements and industry best practices. - Proficient in conducting compliance reviews and assessments along with developing and implementing compliance policies, procedures, and training materials. 6. Training and Awareness - Designed and delivered effective training programs on AML/CFT regulations, tailored to the specific needs of different audiences within the organization. - Fostered a proactive compliance culture through ongoing training, awareness campaigns, and communication initiatives, ensuring that employees are well-informed and motivated to adhere to compliance standards. 7. Client Call Handling and Training - Provided exceptional customer service by effectively handling client inquiries and providing guidance on compliance matters. - Delivered informative training sessions to clients on compliance best practices, empowering them to understand and implement effective compliance measures. - Provided comprehensive training on the systems and dashboard functions used for compliance monitoring and reporting, enabling clients to utilize the tools effectively and maximize their benefits. 8. Chargeback Handling and Dispute Resolution - Managed chargeback disputes, including investigating claims, gathering evidence, and negotiating with card issuers and partner banks to resolve issues efficiently. - Proficient in applying relevant regulations and industry standards to assess the validity of chargeback claims and determine appropriate courses of action. Thank You!