Habib A.Private profile: Upwork shows its earnings only to signed-in members, so we check it every few weeks, not daily. MRR here is a rough estimate (Upwork's six-month earnings ÷ months active). Last read Nov 5, 2026.

AAOIFI Certified Shariah Advisor & Auditor. I bridge Fiqh, Fintech, and AI to build technically viable, Shariah-compliant financial products. The greatest challenge in Islamic Finance isn't finding a Fatwa—it's finding the technical logic to make it a reality. With 15+ years of experience and 250+ global clients served, I provide institution-grade advisory that is practically implementable, commercially viable, and regulator-ready. 🔹 Core Expertise: Shariah Advisory & Fintech Architecture Product Engineering: Structuring Murabaha, Ijarah, Musharakah, and Tawarruq for Digital Banking & Neobanks. Compliance & Audit: AAOIFI Standards, SAMA Shariah Governance Framework, and Operational SOP alignment. System Controls: Ensuring technical execution matches Shariah mandates (UAT, Logic Validation). Digital Assets: Guidance on Blockchain, DeFi, and Tokenomics compliance. 🔹 AI Governance & Ethical AI Systems AI Compliance: Shariah-compliant AI model design and ethical governance frameworks. AI Risk Assessment: Identifying bias, transparency, and accountability in financial AI systems. AI Localization: Technical translation for AI documentation (Arabic, Urdu, Pashto, Persian, Dari). AI Product Structuring: Building AI-powered Zakat calculators, Shariah screening algorithms, and ethical investment tools. AI Audit: Reviewing AI systems for compliance with AAOIFI standards and regulatory requirements. 🔹 Wealth Planning & Halal Investing Halal Wealth Management: Shariah-compliant portfolio structuring and investment strategy. Zakat Accounting: Corporate and individual Zakat calculation, asset purification, and compliance. Stock Screening: Portfolio compliance review for Tadawul, GCC, and global markets. Inheritance & Estate: Shariah-compliant estate planning and wealth distribution. Financial Coaching: Personal finance guidance for ethical wealth building. Takaful: Islamic insurance product structuring and compliance review. 🔹 Signature Project Highlights KSA (Forus): Redesigned calculators into SAMA-compliant Murabaha Execution Engines. KSA (Tadawul): Deep-dive Shariah audits for major entities (STC, SABIC, Al Rajhi REIT). KSA (Marbah com): Advisor on the architecture of Shariah-compliant digital retail products. USA: Engineered a 100% Riba-free hybrid Credit Card framework (Ujrah/Ijarah). UAE: Structured Shariah-compliant Invoice Financing, BNPL, and mobile Takaful models. Oman (Smart Tech): Directed end-to-end Islamic banking conversion, managing legal documentation and UAT technical logic. Belgium (HalalLedger): Directing MVP development for dual-ledger intelligence, automating Shariah purification within global IFRS/GAAP standards. UK: Developed Shariah-compliant IT protocols for leading IT enterprise. Kenya (MUIAA): Engineered Real Estate products based on Ijarah linked to Blockchain. Slovakia (Quan2um): Member of the Shariah Board. 🔹 Strategic Business Planning & Localization Feasibility Studies: Excel-based financial modeling and ROI projections for ethical ventures. Localization: Technical translation for AAOIFI standards and AI documentation (Arabic, Urdu, Pashto, Persian, Dari). Curriculum: Author of 'Trade and Business in Islam' (400-page MBA textbook). 🔹 Credentials AAOIFI Certified Shari'ah Advisor & Auditor (CSAA) MBA & MS in Islamic Finance 8-Year Islamic Scholar's Degree (Dars-e-Nizami) Master of Arabic (Legal & Scholarly Fluency) Let's build an ethical foundation for your business. Whether you seek Islamic Finance Consulting, Product Structuring, Full Shariah Audit, Wealth Planning, Zakat Accounting, AI Governance, or High-Level Technical Localization, I ensure your venture is bankable and 100% Shariah Compliant. Note: I do not support interest-based financing, unethical business strategies, or academic/student assignments.