Md. Refayet Ullah is an experienced professional currently serving as an Officer in Reconciliation at Central Operations for BRAC Bank Limited since June 2021. Prior to this role, Md. Refayet Ullah worked as a Digital Services Officer at bKash Limited, focusing on customer service solutions from April 2020 to May 2021. Md. Refayet Ullah also gained valuable experience as an intern at Bangladesh Bank in 2019 and held the position of Corporate Service Executive at Chaldal from June 2018 to September 2019. Earlier internships include a brief tenure at Standard Bank Limited in late 2017 and an editing role at bdtalkies in 2017. Educationally, Md. Refayet Ullah holds an MBA in Human Resources Management from American International University-Bangladesh and a BBA from Independent University, Bangladesh. Academic foundations include a Higher Secondary Certificate in Business Studies from Birshreshtha Munshi Abdur Rouf Public College and a Secondary School Certificate from Motijheel Model High School.