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Khalid AlGarni has a Bachelor's of Arts in Economics from the University of North Texas. They have extensive experience in the fintech industry, starting as a Business Development Officer and progressing to Head of Business Development at Bank Albilad بنك البلاد. They then transitioned to Vice President Business Operations at STC Pay before becoming the Chief Operation Officer at barraq. Throughout their career, they have worked on developing compliant and cost-effective products, increasing market share, and managing projects with multi-discipline teams.