UBL Tezraftaar - mobile banking for a major Pakistani bank. Three years as iOS engineer on the customer-facing money-transfer journeys: amount entry with live exchange rate, beneficiary/payee management, quick transfers, KYC onboarding and biometric login, with CoreData offline caching so account and transaction data stays usable on poor connections. Swift, programmatic UIKit, MVVM and REST APIs, in a regulated, security-sensitive environment.