Salman Arif
COO | Fintech Advisor | Digital Banking, Card Issuing, Payments Infrastructure (Visa/Mastercard, ACH, RTP) | Compliance & Scaling Expert
- Role
- Co-founder & COO at Cloudcard Inc
- Location
- San Francisco, CA, US
- LinkedIn followers
- 500 followers
About Salman Arif
I help fintech companies launch, scale, and optimize payments infrastructure with a strong focus on Digital Banking, card issuing, and money movement systems.With deep experience across Visa, Mastercard, ACH, RTP, Processing Platforms, I work with Sponsor banks, and fintech platforms to design compliant, scalable, and production-ready solutions.My expertise includes:1. Digital Banking product design and sponsor bank integrations 2. Card issuing (debit/prepaid), BIN sponsorship, and network integrations 3. Payments architecture (ACH, RTP, FedNow, tokenization and wallet provisioning) 4. Fraud, disputes (Reg E), and transaction monitoring frameworks 5. KYC/CIP/OFAC compliance workflows 6. Ledgering, reconciliation, and settlement flows I have led and supported multiple fintech programs in various payment verticals from concept to production, working closely with banks, processors, and network partners.
Experience
Co-founder & COO
Jun 2017 — Present · US
Fintech Enablement, Payments Platform Development, Digital Wallets, Open Banking, Card Operations, Business Development & Sales
Education
The Institute of Management and Sciences (PakAims)
BS(Hons) in Computer Sciences, Software Engineering
2000 — 2004
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