Matin Digital Wealth is a pioneering Islamic fintech startup based in the Abu Dhabi Global Market (ADGM). We empower individuals to build, grow, and protect their wealth through a cutting-edge digital platform that aligns with their values and financial goals.Our comprehensive suite of services includes:Personalized Digital Advisory: Expert guidance tailored to your unique financial situation and risk profile.Discretionary Portfolio Management: Professional management of your assets for long-term growth and stability.Diverse Sharia-Compliant Investments: Access to a wide range of ethical and profitable investment opportunities.Secure Banking: Your assets are held in trusted UAE and Swiss bank accounts for maximum security.Advanced Technology: Our intuitive platform leverages AI and data-driven insights to deliver a seamless user experience.Knowledge Center: We empower our clients with comprehensive educational resources and expert analysis to make informed investment decisions.At Matin, we're committed to democratizing access to Sharia-compliant investing and driving innovation in the Islamic finance landscape.

As founder and Managing Director of Wealth Element (http://wealthelement.net/home), We continue to pursue revenue growth as we build on or nine year track record of achievement. This entails continually revamping operations and driving profits upward for UAE, Kuwaiti, and EU financial institutions. My firm provides clients with expert consulting advice in on-shore wealth management, offshore private banking, and asset management across marketing and sales, investment products, risk and compliance improve productivity and revenue generation. In other words, I am a change agent who specializes in advising and supporting companies as they launch strategies and business plans that increase their competitiveness, streamline operations, and update processes. This includes directing portfolio management and investment advisory services. I also apply risk analysis and create turnaround solutions that cut volatility and improve client retention.As a Subject Matter Expert, I implement gap analysis and benchmarking. In addition to all that, I deliver Wealth Management Training that incorporates my expertise in commission sales strategies, sales launches, campaign development, and applying tracking applications to raise productivity for my clients.Selected Contributions:• Transformed wealth management departments operations for major Emirati banks: which included rolling out a private bank feasibility study for UAE’s biggest bank, and conducting comprehensive wealth management business analyses for UAE’s two biggest Islamic banks. • Spearheaded design and launch Kuwait’s largest bank's investment product distribution and process. • Partnered with the Family Office to design and launch business plans, investment processes, and portfolio reviews to improve performance.

My work with ICD coincided with the 2008-2009 Global Financial Crisis. During my two years with the corporation, I navigated the fund through a treacherous economic climate by transitioning operations into capital preservation mode and generating substantial alpha.My contributions included: • Demonstrated outstanding economic analysis skills by forecasting Dubai's looming real estate market crash and proactively slashing real estate assets from 67% to 37% of the fund's portfolio.• Significantly mitigated economic losses due to plunging real estate prices by generating AED 250 MM In Sukuks capital gains.• Protected the Corporation’s financial health by transforming real estate developments into revenue generating assets by restructuring the AED 4.3 B, Shari’a compliant Multi-Asset Class Mudaraba Fund to reduce real estate holdings. • Developed the allocation strategy while integrating income generating sukuks and alternatives investments that drove up earning while lowering volatility.

Banque Ferrier Lullin et Co GenevaHead of Asset Management 50 professionalsHired to redesign and revive the Private Bank’s Asset Management division- Supervision of 50 investment professionals, CHF 17 B of AUMs.- Established an Investment policy & process and its implementation to reduce all of the bank’s liabilities.- Increased alternatives exposure to produce 3 new guaranteed funds of funds raising AUM’s by CHF 1B.- Provided a significant increase not only in discretionary mandates but also heighten the dynamic nature of the advisory business by increased ideas in all asset classes.- Maintained all mandates above benchmarks while raising ROA from 1% to 1,75% on CHF 5B.

Managing Director and Head of International Product Development 7 professionalsHired to re-vamped Prudential Financials’ entire international investment products ahead of its IPO - Creation of Guaranteed Funds – Index Funds- Alternative Funds - Sector Funds.- Internet, Biotech and Telecom, European and Global Guaranteed Funds and Multi-Manager Hedge Funds- 3rd Party distribution of Prudential Products Structuring – Road show -Sale to Institutional Investors.Middle-East EuropeCitibank Private Bank Mar 1999 – Nov 1999 LondonGlobal Senior Director of Investments Product Development- Developed Third Party Mutual Fund Strategy for the Private Bank.- Create Mutual Fund Evaluation Unit (Proprietary and Third Party).- Equity, Fixed Income, and Hedge Funds.

Promoted to concurrently manage all planned European product launches, the Euro steering committee for all 22-investment centers while meeting profitability and audit targets for CGAM Paris.- European launch of CitiSelect SICAV USD 850 MM of AUM in 6 months – Revenues USD 12.5 MM.- Global Launch of CitiLink guaranteed Funds USD 500 MM of AUM in 6 months – Revenues USD 5 MM.- Head of the Euro implementation program globally for asset management of investment products.

Promoted to turn around the Asset Management Group in Paris from a USD 5MM loss operation into a USD 5MM revenue-making group.- USD 2.2 B. of AUM; Equity, Bonds, Money Market, Guaranteed Funds. 4 SICAV, 40 FCP (French, Lux. and Belgian). Institutional coverage of France, with retail responsibility for Europe.

Responsible for Investor Relationships on Managed Products- Sale of Fixed Income Products - Portfolio Management of Equity mandates.Citibank Investment Management 1985 - 1987 ParisPortfolio Manager of Fixed Income and Money Market- Portfolio Management, Hedging, Arbitrage, Trading (USD 500 MM equivalent) - 4 SICAV, 40 FCP.