Open to opportunities across Europe

Mostafa
Refaay

Finance, Risk & Operations Professional

Technical Accounting Analyst at Swiss Re with 7+ years of international experience across reinsurance, banking, and risk management. Based in Bratislava, Slovakia. EU/EEA work-authorised.

Mostafa Refaay — Finance, Risk & Operations Professional
7+
Years Experience
5
Global Companies
Finance, Risk & Operations Professional

About Mostafa Refaay

I am a results-driven finance and operations professional currently working as a Technical Accounting Analyst at Swiss Re in Bratislava, Slovakia. My career spans 7+ years across global organisations including Swiss Re, AT&T, Amazon, and HSBC — covering reinsurance accounting, fraud risk investigation, technical customer care, and commercial banking across Europe, the GCC, and North Africa.

Recognised as an Advanced AI Champion within Swiss Re, I bring hands-on expertise in SAP, Microsoft 365, and Microsoft Copilot. Passionate about process optimisation, data quality, and cross-functional collaboration across international markets. I also hold a strong personal commitment to mental health awareness, having qualified as a certified Mental Health First Aider.

Reinsurance AccountingSAP AML / KYCMicrosoft Copilot AI Fraud InvestigationProcess Optimisation Advanced AI ChampionEU Work-Authorised
LocationBratislava, Slovakia
Current RoleTechnical Accounting Analyst, Swiss Re
EducationBCom — Accounting, Finance & Business
South Valley University, Egypt
LanguagesArabic (Native) · English (C1) · German (Self-learning in progress)
Career Journey

Professional Experience

7+ years across reinsurance, banking, e-commerce risk, and telecommunications with leading global organisations.

Swiss Re
Swiss Re
Dec 2025 — Present
📍 Bratislava, Slovakia
Technical Accounting Analyst
  • Manage and reconcile technical accounting transactions for reinsurance contracts, ensuring accurate booking of premiums, claims, and commissions in compliance with internal and external standards.
  • Execute technical verification of accounts within the company's validation framework and contract wording.
  • Collaborate with underwriting, claims, and finance teams to resolve discrepancies and support end-to-end business processes.
  • Manage balance settlement and cash flow, including timely collection of accounts receivable and monitoring of portfolio financials.
  • Ensure all financial transactions adhere to the quality management framework and key internal controls.
  • Leverage SAP, Microsoft 365, and Microsoft Copilot (AI) daily to streamline reporting and data analysis.
  • Recognised as an Advanced AI Champion — promoting Microsoft Copilot adoption and best practices across the team.
Swiss Re
Swiss Re
Aug 2024 — Dec 2025
📍 Bratislava, Slovakia
Network Partner Associate
  • Maintained rigorous quality control for policy issuance across a diverse international portfolio.
  • Supervised local premium collection processes for Network Partners' policies.
  • Documented Network Partners' capabilities, market specifics, and local regulatory requirements.
  • Led the creation and maintenance of Standard Operating Procedures (SOPs), enhancing team efficiency.
AT&T
AT&T
Aug 2022 — Jul 2024
📍 Bratislava, Slovakia
Advanced Staff Associate — Technical Customer Care
  • Delivered Tier I & II technical support for wireless and mobile services with high first-contact resolution rates.
  • Mentored and onboarded approximately 12 new team members, improving team performance and quality scores.
  • Certified in Apple Care support tools, iOS, and Android systems.
  • Provided advanced support to fibre-connected customers across service orders, payments, and activations.
  • Consistently met quality and productivity KPIs across cross-functional teams.
amazon
Amazon
Jul 2020 — Jul 2022
📍 Cairo, Egypt
Transaction Risk Investigator & Product Quality Specialist
  • Investigated suspicious transactions posing financial or reputational risk to Amazon customers and merchants.
  • Enforced Amazon Policy Guidelines through data-driven risk decisions and stakeholder communication.
  • Consistently achieved weekly productivity and quality KPIs for fraud investigations.
  • Transitioned to Product Quality Operations, supporting sellers with account-related issues.
  • Contributed to cross-functional special projects and process improvement initiatives.
HSBC
HSBC
Apr 2019 — Jun 2020
📍 Cairo, Egypt
Senior Customer Service Representative
  • Served Jade and Premier clients across UAE, Oman, and Bahrain markets, delivering tailored banking solutions.
  • Managed banking relationships with HNWIs and VIP clients, including senior public figures, maintaining the highest standards of confidentiality and discretion.
  • Applied AML and KYC compliance processes rigorously across three GCC markets.
  • Served on the Rectification Team, correcting erroneous system entries to maintain data integrity.
  • Took on the additional role of CRL Champion, supporting customer relationship leadership.
Expertise

Core Competencies

A multidisciplinary skill set endorsed by 50+ colleagues across finance, technology, risk, and leadership.

📊
Finance & Reinsurance
Financial AnalysisFinancial Accounting SAP ProductsPayments InsuranceCommercial Banking Credit RiskRetail Banking
💻
Technology & Tools
Microsoft CopilotMicrosoft Office Microsoft ExcelMicrosoft Outlook ✓ CRMInformation Management Data Entry
🛡️
Risk & Compliance
Fraud InvestigationsRegulatory Compliance AMLKYC CybersecurityInformation Security
🤝
Leadership & People
LeadershipTeam Leadership CoachingTraining Team BuildingMentoring
⚙️
Operations & Strategy
Project ManagementStrategic Planning Business IntelligenceProcess Optimisation SOP Development
💬
Communication & Service
Customer ServicePublic Speaking CommunicationDe-escalation Problem Solving
Additional Skills
Mental Health First AidMental Health Counseling VolunteeringSales Time ManagementTechnical Support EnglishArabic Customer SupportInformation Security Awareness
Community Impact

Volunteering & Social Work

10+ years of active community leadership across education, human rights, and technology.

🏔️
Co-Founder & Project Manager
Mentor Valley
Feb 2022 — Present · Education
Simplifies mentoring and appointments, helping mentors manage mentees and sessions efficiently.
🎓
CEO & Team Leader
Qena English Club
Mar 2017 — 2022 · Education
Organising weekly English circles of 10–20 persons to help community members practise the language regularly.
Team Lead — Qena Governorate
HarassMap
Mar 2017 — 2022 · Human Rights
Leading community safety awareness efforts covering the Qena governorate to combat harassment and support victims.
🌍
Alumni & Former Dev. & Fundraising Member
ENACTUS
Apr 2015 — Present · Economic Empowerment
International non-profit in 37 countries across 1,730 universities — social entrepreneurship and economic empowerment.
🌐
Peer Educator
Y-PEER (United Nations)
Aug 2016 — Aug 2019 · Civil Rights & Social Action
Youth peer education under the United Nations framework, supporting civil rights and social development.
🏛️
Member — Active Citizens Initiative
British Council
Oct 2016 — Apr 2017 · Civil Rights
Participated in the British Council with Etigah Foundation initiative "Active Citizens" for community development.
🎓
Facilitator & Trainer
Masr Ta3mal
Nov 2016 — Apr 2017 · Education
Delivered professional skills training as part of a national youth employment and development initiative.
💻
Technical Member
Microsoft Student Partners Tech Club
Mar 2015 — Apr 2017 · Science & Technology
Problem-solving using technology and programming as part of the Microsoft Student Partners programme.
📚
Translator (English → Arabic)
Coursera
Apr 2017 — Oct 2017 · Education
Translated educational subtitles from English to Arabic, making learning content accessible to Arabic-speaking students worldwide.
💡
Ideator & Team Leader
TIEC
Feb 2015 — Mar 2015 · Economic Empowerment
Winter intern at TIEC, served as team leader during the innovation and ideation programme.
Credentials

Certifications & Qualifications

Professional certifications validating expertise across finance, technology, and wellbeing.

Mental Health First Aider
2024
Apple Care Support Tools Certification
2023
iOS & Android Systems Certification
2023
Professional Financial Accountant
2016
Principles of Banking
2016
LinkedIn Skill Assessment — Microsoft Outlook ✓ Verified
Passed
What Others Say

Professional Recommendations

Testimonials from colleagues and managers across Swiss Re, Amazon, HSBC, and more.

"

Mostafa consistently impressed me with his strong work ethic, intelligence, and professionalism. He has a remarkable ability to quickly understand new information — especially when navigating complex and changing local regulatory environments. His fast learning pace, combined with exceptional critical thinking skills, made him an invaluable partner.

"

I highly recommend Mostafa. As a colleague on the NPC team, I saw his incredible dedication and positive impact. He is not only friendly and approachable, but always ready to lend a hand, fostering a fantastic team environment. Any team would be lucky to have him!

"

Mostafa is a very active and engaged employee, who besides his usual duties participates and co-organises events and activities inside our company. I highly recommend cooperation with him.

"

I had the pleasure of working with Mostafa for almost 2 years and was impressed by his ability to handle the toughest cases effortlessly and mentor colleagues who needed help. I would highly recommend Mostafa.

"

Mostafa has a very notable eagerness to learn new things in a short time and passion for driving things across team members. He has a natural ability in sharing ideas and solutions to existing issues with his teammates.

"

I've worked with Mostafa side by side long enough to know him both personally and professionally. He's one of the most dedicated, relentless, motivated, and flexible individuals I've ever met in my career.

"

Mostafa is a highly motivated individual, proactive and able to work with a team. He has strong interpersonal, organisational, and communication skills. He is a confident and competent young professional.

"

Mostafa is one of the best teammates I've worked with. He is an amazing co-worker and always keen to do the right thing.

"

Mostafa is a very hard worker and his career and achievements speak about him. He has a positive mindset which gives a special impact for any organisation he is working for. I strongly recommend him.

"

Mostafa is an active member of the Technical team at Microsoft Tech Club-SVU. He has good ideation, creativity, and facilitation skills.

Get In Touch

Let's connect

Open to opportunities across Europe in reinsurance, finance, risk, operations, customer service, and banking — bringing 7+ years of expertise across all these sectors.

contact@mrefaay.com 💼 LinkedIn Profile 📞 +421 950 278 710