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Muhammad Rashid has over 16 years of experience in the financial industry. Muhammad is currently working as the Chief Compliance & Risk Officer at Jingle Pay since August 2020. Prior to this, they served as a Senior Engagement Manager at Cenfri, a non-profit Economic Impact Agency based in Cape Town, from May 2021 to December 2022.

Muhammad also has consulting experience, having worked as a Consultant at PwC Middle East in compliance, FinTech, and RegTech from August 2020 to April 2021.

Before their consulting role, Muhammad held various managerial positions at Western Union. Muhammad worked as the Manager of AML/CFT Compliance & Anti-Fraud Program for the MEA APAC region from February 2016 to July 2020. Muhammad also served as the Regional Manager of AML/CFT & Regulatory Compliance for the Middle East region from March 2013 to January 2016.

Prior to Western Union, Muhammad worked at Khushhali Microfinance Bank Limited as the Manager of Policies & Procedures - Operations from June 2008 to February 2013.

Muhammad started their career at Citi, where they served as the Manager of the Central Processing Unit - Operations from November 2007 to June 2008. Muhammad was later promoted to Branch Operations Manager, where they were responsible for various branch banking operations, including client onboarding, remittances, and risk and control assessments from May 2005 to October 2007.

Throughout their career, Muhammad has gained experience in compliance program management, risk assessment, regulatory compliance, and financial inclusion. Muhammad has also been involved in developing policies and procedures, conducting investigations, and implementing system controls.

Muhammad Rashid has a diverse education history. In 2003 to 2005, they obtained a Master's Degree in Economics, Finance, and Banking from Karachi University. Later, from 2011 to 2014, they pursued a Master of Science (MS) in Management from the Shaheed Zulfikar Ali Bhutto Institute of Science and Technology. In 2019, Muhammad completed a Certificate Course in Econometrics from the Lazaridis School of Business & Economics at Wilfrid Laurier University. Additionally, they have obtained several certifications, including the Certified Anti-Money Laundering Specialist (CAMS) from ACAMS in 2017, the Certified Global Sanctions Specialist (CGSS) from ACAMS in 2020, and the ICA Specialist Certificate in Financial Crime Risk in Mobile Financial Services from the International Compliance Association in 2020. Muhammad also holds a Verified International Academic Qualifications certificate from World Education Services. Moreover, Muhammad is currently pursuing a certification as a Certified Empowered Startupper from Empowered Startups, which they are expected to complete in 2023.