Everything you need to do your best work, in one place.
Search every course, form, performance ritual and team contact across NymCard MEA.
The things most NymCarders do every week.
Book Leave
Annual, sick, parental — via BambooHR
↗Submit Expense
Receipts, mileage, per diem — via Google Form
↗Request Letter
Salary cert, NOC, embassy, visa — email the People team
→Update Details
Address, bank, dependants — via BambooHR
↗Performance
Reviews, cycle dates, rubrics
→NymAI Courses
Self-paced, live, workshops
→Five destinations, one front door.
Everything in the People Hub sits behind one of these five tabs. Use the top nav to jump between them, or start from one of the cards below.
NymAI Learning
The AI Fluency Ladder (AF1–AF5), expected level by IC/M rank, and how it connects to your rating. Plus curated learning paths from Anthropic Academy.
Performance
How we measure performance — AI Initiatives, BOLD-through-AI competencies, and the two cycles per year.
BOLD Values
Build Trust, Own It, Lead with Speed, Deliver Excellence — and how each shows up in real decisions.
Forms & How-tos
Common forms — leave, expense, letter requests, personal updates, support — with a one-line how-to each.
Contact
One People team for every NymCard office, plus the confidential whistleblowing route when the People team isn't the right first call.
Seven cities, one team.
The frameworks we operate within.
NymCard is a licensed financial institution. The standards on this hub reflect the obligations these certifications carry — they exist for our customers, our regulators, and you.
CBUAE Licensed
Licensed by the Central Bank of the United Arab Emirates. Everything on this hub maps to the regulatory frameworks our customers and partners depend on.
PCI DSS · ISO 27001
Payment Card Industry Data Security Standard compliant. ISO 27001 certified for information security management. Audited annually by independent third parties.
Visa & Mastercard Principal
Principal Member of both Visa and Mastercard — direct network membership with no intermediary processor in our card programs.
Need help finding something specific?
Your regional People partner is one Slack message away. Open the Contact tab for direct lines by jurisdiction — or browse the forms for the quick everyday things.
AI fluency, built into how we work.
The AI Fluency Ladder (AF1–AF5) gives everyone at NymCard a shared vocabulary for how deeply AI is integrated into their work — and a direction of travel. It runs in parallel with the IC/M career ladder. Fluency is assessed from observable work product, not keystroke surveillance.
Five levels, one direction.
From tool-aware to org-transforming. Each level describes how AI shows up in the work — not how many prompts you ran this week.
Most teams sit at the bottom two levels — and don't realise the top three exist.
Expected fluency by IC / M level
Targets, not gates. A new joiner has time to ramp — AF1 is acceptable in months 1–3. AF2 by the end of the first half is the expectation regardless of seniority.
| Level | Expected (minimum) | Stretch |
|---|---|---|
| IC1 · IC2 · M1 | AF2 · Adopter | AF3 · Integrator |
| IC3 · M2 | AF3 · Integrator | AF4 · Builder |
| IC4 · M3 | AF3 · Integrator | AF4 · Builder |
| IC5 · M4 | AF4 · Builder | AF5 · Transformer |
| IC6 · M5 | AF4 · Builder | AF5 · Transformer |
Stagnation below the expected level for your rank is a coaching topic — not an automatic Below rating, but a development conversation. The framework rewards progression.
How AF connects to your rating.
AI Fluency is one of three inputs to the overall rating — alongside AI Initiative delivery and BOLD-through-AI behaviours. It is not the rating itself. Four common combinations:
High delivery + appropriate AF for level
Shipping what you committed to, and your fluency matches the expectation at your rank. This is what "great" looks like — and where most ratings of 4 and 5 come from.
High AF, low delivery
Fluency alone doesn't earn a top rating. What are you actually shipping? AF4 with no AI Initiatives landed is a development conversation, not a promotion case.
High delivery, low AF for level
Are you sustainable in the role as it evolves? Are you doing the old job faster — or evolving how the role works? Strong delivery doesn't fully compensate for fluency stagnation.
Delivery and AF both below level
Where someone lands depends on whether the trajectory is positive. Moving from AF1 toward AF2 with a credible plan is different from being stuck.
How fluency actually moves.
Four principles drawn from watching teams climb the ladder — and from watching teams stall on it. None of this is theoretical.
Intent, not osmosis
People who are "trying to pick it up" rarely move past AF2. People who carve out structured time — 2–3 hours a week minimum, on real problems — reach AF3 within a half.
Sharing accelerates
AF3 fluency almost always comes from people who explain their patterns to others. Teach-to-learn is the most reliable path. If you can't explain how you got the output, you don't fully own the workflow yet.
Tool access matters
We cannot honestly expect AF3+ fluency from people who don't have access to the tools. Before applying the framework to any team, check the tooling situation. Uneven access makes the framework feel unfair.
Builder needs permission
Building team tools takes focused time. "AF4 in your spare time" is not a realistic ask. Managers need to carve out the time and protect it from interruption.
What AI Fluency is not.
Three myths to dispel — they come up regularly when people are figuring out where they sit on the ladder.
Not a ChatGPT volume metric
Someone can ping ChatGPT 50 times a day and still be AF2 if they're using it as a better search engine. AF3 is about changed workflows, not higher API volume.
Not a tech literacy test
A compliance analyst with brilliant AI-augmented transaction monitoring can be AF4 without writing a line of Python. Fluency is about integration into your work, not engineering skill.
Not age- or tenure-correlated
Senior ICs sometimes reach AF4 faster than juniors. Sometimes it goes the other way. Assess the work product, not the demographics. The framework rewards what's on screen.
AI Initiatives — what we actually measure.
AI Initiatives replace OKRs at NymCard. Each initiative is a specific outcome delivered through AI, with two non-negotiable parts: a named outcome (what changes for the customer, team, or business) and a named AI mechanism (which tool, which pattern, which approach).
"Reduce Tier 1 ticket resolution time from 48h to 24h using AI-powered triage and AI-generated first-draft responses reviewed by agents."
"Use more AI in customer support."
The rules
- 2–4 initiatives per person per half. Fewer is under-scoped; more dilutes focus.
- Named outcome. What changes for the customer, team, or business — not "used AI more".
- Named AI mechanism. Which tool, pattern, or approach — "AI-powered" alone isn't a mechanism.
- Maps to your role and level. An IC2 engineer's initiative looks different from an IC5's. Both are valid if both are concrete.
Red flags in drafting
Where to actually start learning.
Anthropic publishes the most reliable first-party resources for working with Claude. We've mapped each track to the AF range it best supports. Certificates available on completion.
Claude for personal
How to leverage Claude for individual projects and daily tasks. The foundational layer — solid starting point for anyone new to the tool.
Claude for work
Implementing Claude across teams and maximising productivity. The closest fit for how most NymCarders use Claude day-to-day.
Build with Claude
API guides and best practices for developing Claude-powered applications. Where engineers and AI builders should focus to reach Builder level.
Two starting points worth booking.
Self-paced courses from Anthropic Academy. Both award certificates on completion.
Claude 101
The foundations. What Claude can and can't do, how to prompt deliberately, and how to evaluate output quality. Recommended starting point for every NymCarder regardless of role.
Claude Code in action
For engineers. How to use Claude Code as an agentic coding tool — from quick edits to refactors to multi-file changes. The engineering team's natural next stop after Claude 101.
The AI Fluency Newsletter
Anthropic's quarterly newsletter — research, frameworks, and resources about how people are collaborating with AI. The single best signal for what's changing in this space, delivered four times a year.
Two cycles a year. AI-native by design.
Performance at NymCard is measured on two axes: what you delivered (AI Initiatives) and how you delivered it (BOLD-through-AI competencies). Reviews are biannual. Calibration is constant.
Where Performance & Recognition align.
Role & Responsibility
Define clarity and ownership across the organisation — every role anchored to a level, a function, and a clear scope.
Performance & Contribution
Measure what matters — AI Initiatives delivered and BOLD-through-AI behaviours observed across the half.
Rewards & Recognition
Align rewards, growth and recognition with performance and business impact — calibrated, transparent, fair.
High Performance Culture
Engaged people.
Stronger results.
At NymCard, we reward and recognise people in ways that reinforce growth, performance, and impact. Our approach is designed to attract, motivate, and retain the right talent while accelerating our business growth and strengthening the culture we want to build.
H2 2026 cycle calendar
Two axes, one rating.
We rate everyone on what they delivered and how they delivered it. Both matter. A great result delivered badly is not great. A bad result delivered well is not enough.
AI Initiatives
Replaces OKRs. Each Initiative is a specific outcome you'll deliver this half, with AI in the loop. Ambitious enough to need AI; specific enough to know if you hit it.
- ICs: 3–5 Initiatives per half
- Managers: 5–7 Initiatives per half
- Commit: Day 1 of cycle
- Review: End of cycle
BOLD-through-AI
Our four values, reframed for an AI-native team. Each one has level descriptors across IC1–IC6 and M1–M5. Assessed every cycle with evidence — not vibes.
- B Build Trust with AI in the loop
- O Own what AI produces in your name
- L Lead with the speed AI enables
- D Deliver excellence — AI-enabled, not AI-shortcut
Four competencies, levelled and evidenced.
Each competency rolls up to a 1–5 rating. The descriptor for each level is on the framework playbook; here's the short version.
Build Trust
Make AI a force-multiplier, not a black box. Be transparent about where AI is in the loop, what you verified, and what you didn't.
Own It
Verify what AI produces — your name is on it. The output is yours; "the model said so" is never an answer.
Lead with Speed
Use AI to compress cycle times, not to skip thinking. Ship faster, learn faster, but don't ship faster only to ship something worse.
Deliver Excellence
AI-enabled work should be better, not just faster. Aim higher because the floor is now higher; AI isn't an excuse to lower the bar.
Guides for every moment of the cycle.
Four letters. One operating system.
BOLD isn't a poster on the wall. It's how we hire, how we promote, how we calibrate, and how we make hard calls when the right answer isn't obvious. Every NymCarder, across every office, runs on the same OS.
Build Trust
Say what you'll do. Do what you said. Tell the truth when it's uncomfortable. Trust compounds — so does its absence.
Own It
"Not my job" is never the answer. If you see it, you own it. Pass it on only after you've made it better than you found it.
Lead with Speed
Decide. Ship. Learn. We'd rather correct a fast call than wait for a perfect one. Slow is its own failure mode.
Deliver Excellence
Done is not the same as good. The bar is what a regulated, ambitious fintech serving MEA deserves — and one notch higher.
Where the values actually show up.
Values matter only if they make decisions easier. Here's where BOLD does real work at NymCard — not abstractly, but in the moments that count.
Every loop signals on every letter.
We don't hire people who only score on two of four. The interview kit asks for one piece of evidence per letter of BOLD. Strong on speed, weak on trust? Not a hire.
The case must show BOLD at the next level.
Delivery is necessary, not sufficient. A promotion case must show evidence of BOLD-through-AI at the level you're being promoted to — not the one you're leaving.
BOLD breaks the tie.
When leaders disagree on a difficult decision and the data is ambiguous, we go back to BOLD. The values are tie-breakers in genuinely hard moments — not decorations.
The forms you actually use most often.
Organised by what you're trying to do — not by which system the form lives in. Each one opens the right tool (BambooHR, Pleo, the People helpdesk) with the right context already loaded where possible.
Time off & leave 4 forms
Annual leave request
Manager approval · BambooHR · balance shown
Sick leave notification
Notify manager + log · doctor's note if 3+ days
Parental leave application
Maternity / paternity / adoption · jurisdiction-specific
Unpaid / sabbatical request
VP + People approval · 4-week notice typical
Money & expenses 4 forms
Letters & documents 4 forms
Personal updates 4 forms
Support & wellbeing 3 forms
Global Privacy Policy
How NymCard collects, uses, shares, and protects personal information across the countries where it operates. Duplicated from the public policy at nymcard.com — the website version is the authoritative source.
1. Introduction
This Privacy Policy outlines how NymCard Payment Services LLC (UAE), NymCard Payments LTD (UAE), Nym Technologies Holding Limited (UAE), NymCard Payment Technologies (Egypt), NymCard SAL (Lebanon), NymCard Technologies (Private) Limited (Pakistan), Nym For Information Technology (Saudi Arabia), NymCard Payments Tech LLC (Qatar), and NymCard LTD (UK) — collectively "NymCard" — collect, use, share, and protect your information when you access www.nymcard.com and any associated services.
We are committed to respecting your privacy and maintaining the security of your personal information, in compliance with applicable data protection laws in the UAE, UK, Egypt, Saudi Arabia, Pakistan, Lebanon, Oman, and Qatar.
2. Why we collect and process personal data
- Provide our services as a third-party payments processor, including transaction facilitation, identity verification, and fraud prevention.
- Manage relationships with suppliers and service providers to ensure seamless operations.
- Conduct recruitment and hiring processes for evaluating candidates and maintaining employment records.
- Maintain employee, contractor, and staff relationships to fulfil payroll, benefits, and administrative obligations.
- Comply with legal, regulatory, and fraud prevention requirements, including anti-money laundering (AML) and data protection laws.
- Enhance security, risk assessment, and customer service.
3. Who is your data controller?
The NymCard entity responsible for your personal data depends on your location and the services you use. Each NymCard entity acts as the data controller when processing personal data for its own purposes. When NymCard processes personal data on behalf of a bank, fintech, or financial institution, those entities are the data controllers and NymCard acts as a data processor, handling personal data strictly per contractual agreements and the controller's instructions.
4. Personal information we collect
4.1 Standard personal data
- Full name and contact details (email, phone number, address)
- Government-issued identification (passport, national ID)
- Payment card details (card number, expiry date, CVV) and bank account details / statements
- Tax identification numbers
4.2 Special personal data (processed only with consent)
- Race or ethnic origin
- Biometric data
4.3 Automatically collected data
- Technical data: IP address, device type, operating system
- Usage data: website session details, interactions, navigation patterns
- Location data: only with your consent
4.4 Data from third parties
- Credit bureaus, financial institutions, fraud detection services, public databases
5. How we use your personal information
- Providing our services, including card issuance, transaction processing, and payment facilitation.
- Fraud detection and risk management to prevent unauthorised transactions and enhance security.
- Identity verification and compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.
- Improving customer experience and support.
We do not use your personal data for marketing purposes. We do not send promotional materials, newsletters, or advertisements, and we do not share your personal information with third parties for their marketing purposes. Any use of tracking technologies for content personalisation uses anonymous data only.
6. Bases for processing personal information
- Consent — when you provide explicit consent for specific processing activities.
- Legal obligations — to comply with regulatory requirements, including AML, tax, and data protection laws.
- Legitimate interests — fraud prevention, security enhancement, and operational efficiency.
- Contractual necessity — to fulfil agreements with our customers.
7. Who has access to your personal data?
- NymCard employees and contractors who require access to perform their job responsibilities, bound by strict confidentiality agreements.
- Trusted service providers — payment processors, fraud detection agencies, identity verification firms.
- Regulatory authorities and law enforcement when disclosure is legally required.
We do not sell your personal data to third parties for commercial purposes.
8. Data breach notification
In the event of a data breach involving personal data, we will: assess the nature and extent of the breach; contain and mitigate it; notify affected financial institutions and partners promptly; report to relevant regulatory authorities as required by law; and provide guidance and support to affected parties. Our response aligns with UK GDPR, UAE data protection laws, and regional financial sector guidelines.
9. Information sharing and disclosure
- Customers (banks and fintechs) — to support service delivery.
- Affiliates within our corporate group — for operational efficiency, compliance, and internal processes.
- Third-party service providers — IT infrastructure, KYC verification, fraud monitoring.
- Regulators and law enforcement — when legally required.
10. Transfers to third-party countries
We may transfer personal data across international borders while ensuring compliance with local data protection regulations, implementation of Standard Contractual Clauses (SCCs) or other legally recognised safeguards, and robust encryption and access controls.
11. How we protect and retain your personal data
- Encryption protocols for secure storage and transmission, at rest and in transit.
- Strict access controls, including role-based permissions and multi-factor authentication.
- Continuous monitoring, vulnerability assessments, and regular security audits.
- Adherence to ISO/IEC 27001 for information security management and PCI DSS 4.0 for payment card data.
- Ongoing security awareness training and incident response planning.
Retention: we retain personal data only for as long as necessary to fulfil legal, contractual, or regulatory requirements. Once the retention period expires, data is securely deleted or anonymised.
12. Automated decision making
We may use automated processes to approve or deny applications, prevent fraud, and assess risk. You have the right to request human intervention if automated decisions impact you.
13. Cookies and tracking technologies
We do not use cookies or tracking technologies to collect personally identifiable information for marketing purposes, nor do we share personal data with third parties for advertising or promotional activities.
14. Your rights and choices
Depending on your jurisdiction, you may have the right to:
- Access the personal data we hold about you.
- Request corrections to inaccurate or outdated information.
- Request deletion of your personal data, subject to legal and regulatory requirements.
- Object to the processing of your data for specific purposes.
- Withdraw consent where processing is based on your prior authorisation.
To exercise any of these rights, contact dpo@nymcard.com.
15. Supplemental notices
We may issue additional privacy notices tailored to specific products, services, or jurisdictions.
16. Changes to this Privacy Policy
We update this Policy periodically. Any changes will be posted on www.nymcard.com.
17. Third-party website links
Our website may contain links to third-party sites. We are not responsible for their privacy policies.
18. Contact us
Email: dpo@nymcard.com
Office address: Office #2703, Al Salam Tecom Tower, Sheikh Zayed Rd, Al Sufouh, P.O. Box 451240, Dubai, United Arab Emirates.
One inbox, every office.
One People team covering every NymCard office. They're your first call for anything employment-related — from a quiet question about leave to a sensitive conversation about your career.
Reach the People team
KSA & Cairo — Sun – Thu
When the People team isn't the right first call.
For matters you don't want to raise with your direct People partner — harassment, retaliation, conflicts of interest, suspected misconduct, or anything involving senior leadership.
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Whistleblowing channelConfidential reporting for illegal, unethical or improper conduct — including fraud, harassment, discrimination, and safety concerns. Email whistleblowing@nymcard.com. Reports are handled confidentially, investigated within 30 days, and protected by non-retaliation safeguards.
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Audit Committee ChairFor matters involving senior leadership or the executive committee. Direct, confidential route.