About Skills Experience AI Project Contact
Open to new opportunities · Actively targeting UAE Finance roles

Bridging Finance
& AI Innovation.

Financial Accountant · VAT & Tax Compliance Specialist · AI Finance Tools Developer
4+ years navigating the financial landscapes of Saudi Arabia and the UAE — now building the tools that automate compliance.

Hire Me → View AI Project ↗
40%+
Reporting accuracy
improvement delivered
0
VAT penalties —
100% ZATCA compliance
SAR 2M+
Quarterly VAT filings
processed accurately
4+
Years experience
in KSA & UAE
Muhammad Morshedul Islam
About Me

Authority in Compliance,
Agility in Code.

Profile
Muhammad Morshedul Islam
Financial Accountant · AI Developer
Nationality
Bangladeshi 🇧🇩
Based In
Riyadh, Saudi Arabia 🇸🇦
Industry
Manufacturing · Trading · Service
Languages
Arabic · English · Hindi · Bengali
Driving License
🚗 Valid in KSA & Bangladesh
Open to Work
🇸🇦 KSA · 🇧🇩 BD · 🇦🇪 UAE · 🇶🇦 Qatar
🇰🇼 Kuwait · 🇧🇭 Bahrain · 🇴🇲 Oman
Email
immorshed068@gmail.com
LinkedIn
linkedin.com/in/immorshed12

I started my accounting career in Dhaka — manually reconciling bank statements, discovering that good finance isn't about recording the past. It's about shaping decisions for the future.

Moving to Saudi Arabia raised the stakes. I navigated ZATCA's VAT framework, handled Zakat calculations, reduced month-end closing from 7 to 4 days, and managed full financial operations across five ERP platforms simultaneously.

Today I go further — I've built the KSA VAT Auditor, an AI-powered compliance tool that automates Saudi VAT audit checks. It's one of the first tools of its kind in the GCC market, combining deep domain expertise with modern AI technology. This is the direction I'm moving: a finance professional who also builds fintech.

"Passionate about building financial systems that don't just ensure compliance — they actively drive business growth."

Core Competencies

A focused skillset.
No distractions.

📊
Core Accounting
General Ledger AP / AR Month-End Close Bank Reconciliation Fixed Asset Management Budget & Variance Analysis Financial Statements (IFRS)
🏛️
Tax & Compliance
Saudi VAT · ZATCA UAE VAT Zakat (Islamic Finance) e-Invoicing Phase 2 External Audit Coordination Data Localization
💻
ERP & Software
SAP Zoho Books Odoo Qoyod ERPNext QuickBooks INFO GATE
📈
Analytics & AI
Power BI Advanced Excel AI Automation ChatGPT Automation GitHub Pages Pivot Tables & Macros
🌐
Languages
Arabic — Fluent English — Fluent Hindi — Fluent Bengali — Native
Career Timeline

Professional Impact.

Feb 2024 — Present
Sico Paints Factory Co.
Riyadh, Saudi Arabia
Current
Accountant

Reduced month-end close from 7 to 4 days by automating reporting workflows across SAP, Zoho Books, Qoyod, and Odoo simultaneously.

Filed quarterly VAT returns with zero penalties across three consecutive external audits; improved budget variance analysis accuracy by 40%.

Managed 200+ fixed assets; cut overdue accounts by 28% through automated payment tracking.

Spearheaded AP/AR reconciliation, resolving discrepancies 50% faster through systematic verification.

Mar 2023 — Jan 2024
Tariff Trading Company
Dammam, Saudi Arabia
Account Assistant

Led company-wide KSA VAT implementation — trained 15+ staff, zero compliance issues.

Processed SAR 2M+ in quarterly VAT filings with 100% accuracy; executed Zakat calculations.

Built INFO GATE audit trails, cutting audit prep time by 45%; accelerated close by 30%.

Feb 2021 — Jan 2023
Sustainable Global Compliance
Dhaka, Bangladesh
Assistant Accounts Officer

Reduced DSO from 45 to 32 days by negotiating payment terms with 30+ vendors.

Identified BDT 500K+ in annual bank discrepancies; maintained fixed asset register for 150+ assets.

Implemented software integration, reducing manual data entry by 70%.

Featured AI Project

Intelligence in Accounting.

KSA VAT Auditor AI

An AI-powered web application built specifically on ZATCA regulations. It analyzes VAT return data, automates compliance checks, and identifies potential risks — reducing manual review time by 60%+.

🤖

AI Extraction Engine — Parses bilingual (Arabic & English) ZATCA VAT return PDFs, auto-extracts Company Name, 15-digit VAT ID, tax quarters, and all table data.

📊

Full VAT Breakdown — Replicates official ZATCA Tables 1–12: Sales, Purchases, manual journal entries, net VAT balance calculations in real-time.

⚖️

Comparison Engine — Side-by-side period comparison with color-coded variance tracking to instantly identify compliance risks.

💾

Draft Management — Save, rename, and export reports as JSON. Local persistence for multiple audit drafts.

🚀 Live Demo 📋 Full Project Details →
immorshed12.github.io/KSA-VAT-Auditor
Why this matters

Most accountants know ZATCA rules. Few can build tools around them. This project demonstrates deep domain knowledge + practical AI skills — a rare combination in GCC Finance hiring.

Upcoming Finance Tools
🇦🇪
UAE VAT Calculator
UAE FTA compliant VAT tool for GuldenTax frameworks.
In Development
💰
WPS Payroll Tool
Automated WPS compliant with Saudi Wage Protection System.
Planned
📋
IFRS Generator
AI financial statement disclosures based on IFRS standards.
Planned
What I Deliver

Services.

01
Saudi & UAE VAT Compliance
End-to-end VAT filing, Zakat, ZATCA e-invoicing, UAE FTA compliance, and audit preparation — penalty-free, every time.
02
Financial Reporting
Monthly statements, cash flow reports, budget variance analysis, and Power BI dashboards — real-time visibility for confident decisions.
03
ERP Setup & Optimization
Implementation of SAP, Zoho Books, Odoo, Qoyod, QuickBooks, and ERPNext — turning software into operational advantage.
04
Accounts Payable & Receivable
Complete AP/AR cycle — invoice to collection — minimizing outstanding balances and improving cash position.
05
Cash Flow Management
Forecasting, monitoring, and optimizing cash flows to prevent liquidity gaps and sharpen planning accuracy.
06
AI Finance Automation
Custom AI finance tools — VAT audit automation, compliance checkers, workflow tools tailored to GCC regulatory requirements.
07
Audit Support
Schedules, documentation, and financial reports that make external audits smooth, fast, and completely surprise-free.
Credentials & Roadmap

Earned & in progress.

Earned & Active
BSS in Economics
Govt. Chittagong College · National University, 2022
Earned
Kamil Masters — Hadith Studies (CGPA 4.10 / 5.00)
Islamic Arabic University · Jameya Ahamadia Sunnia Kamil Madrasah, 2022
Earned
National Skill Standard — Computer Office Application
Grade A+ · Bangladesh Technical Education Board · 360-Hour Course, 2016
A+ Grade
ZATCA VAT Practical Experience
KSA ZATCA & UAE FTA · VAT filings, audit support · 4+ years
Active
Dual Driving License
Valid in Saudi Arabia & Bangladesh
Active
In Progress & Planned
CMA — Certified Management Accountant
IMA · Targeting Part 1 exam: Q3 2025
Pursuing
Power BI for Finance Professionals
Microsoft / Coursera
Planned
IFRS for SMEs
ACCA / ICAEW Resources
Planned
UAE VAT Practitioner Certificate
UAE Federal Tax Authority Training
Planned
ZATCA Tax Practitioner Certificate
ZATCA Official Training Program
Planned
Let's Work Together

Send an Inquiry.

Available for specialized tax consultancy, finance automation projects, or full-time roles in forward-thinking fintech firms.

Emailimmorshed068@gmail.com KSA+966 573 255 396 Bangladesh+880 183 298 4186 LinkedInlinkedin.com/in/immorshed12 AI ToolKSA VAT Auditor ↗
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Ready to connect?

Whether you need meticulous financial reporting, robust ERP optimization, or 100% ZATCA compliance — let's discuss how my expertise can secure your financial operations.

Email
WhatsApp
(KSA)
WhatsApp
(BD)
LinkedIn
MI.
Financial Accountant · VAT Specialist · AI Finance Tools Developer
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