Marwan Osama

Accounting graduate with hands-on experience in reconciliation, settlement, and financial reporting across banking, auditing, and e-payment sectors. Skilled in maintaining accurate records, preparing statements, and ensuring compliance with Iraqi accounting standards. Strengthened business and leadership skills through a competitive scholarship at Baghdad Business School.

Settlement and Reconciliation officer at Areeba E-Payment Co. (2026-01 – 2026-04)

• Maintains accurate financial records, prepares journal entries, and reconciles accounts in compliance with Iraqi accounting standards and ICPA regulations.
• Managed daily Mastercard and Visa settlement cycles, ensuring accurate execution and timely release of issuing and acquiring files.
• Reconciled financial data across ERPs and internal interfaces, resolving discrepancies related to wallets, merchant accounts, scheme balances, CBI, and ICP.

Accountant at Sinan Salim Qasim ICPA Office (2025-08 – 2025-12)

• Maintains accurate financial records, prepares journal entries, and reconciles accounts in compliance with Iraqi accounting standards and ICPA regulations.
• Prepares monthly and annual financial statements, assists in audit documentation, and ensures all financial activities align with tax laws and professional ethics required by the ICPA.
• Supports senior accountants and auditors in reviewing clients' financial data, preparing analysis reports, and providing administrative support for certification or training activities within the ICPA office.

Intern Accountant at Al-Rasheed Bank (2023-09 – 2023-10)

• Assisted in preparing daily journal entries and maintaining accurate records of financial transactions in compliance with Iraqi banking regulations.
• Supported reconciliation of general ledger accounts, including cash, receivables, and inter-branch balances.
• Participated in preparing internal financial reports and assisted with monthly closing procedures under supervision.
• Collaborated with senior accountants and auditors during internal reviews and data validation processes.

B.S. in Accounting – Al Turath University (2020 – 2024)

Business Foundation Program – Baghdad Business School (BBS) (2024 – 2025)