• 𝗜𝗙𝗖 𝗚𝗹𝗼𝗯𝗮𝗹 𝗔𝗱𝘃𝗶𝘀𝗼𝗿𝘆 𝗧𝗲𝗮𝗺 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽: Led digital transformation and digital banking projects across the Middle East and Central Asia, serving clients with extensive operations (200+ branches, 2-3 million customers, and digital wallets with 3,400 agents and over 20,000 merchants).• 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗮𝗻𝗱 𝗜𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻: Conducted diagnostics, set digital strategies, and oversaw implementation as part of the IFC advisory role, collaborating closely with CIOs and executive management teams.• 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝗮𝗻𝗱 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻 𝗙𝗼𝗰𝘂𝘀: Enhanced customer experience, optimized products and channels, and fostered innovation through Open Banking, Banking as a Service, Platform Banking, and disruptive technologies and fintech partnerships.• 𝗗𝗮𝘁𝗮-𝗗𝗿𝗶𝘃𝗲𝗻 𝗗𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗠𝗮𝗸𝗶𝗻𝗴: Spearheaded data warehouse and advanced analytics transformation initiatives to drive data-driven decision-making and insights.• 𝗖𝗼𝗿𝗲 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗮𝗻𝗱 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗠𝗼𝗱𝗲𝗿𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻: Led core banking transformation and payments stack modernization projects, ensuring the delivery of cutting-edge financial services.• 𝗖𝗹𝗼𝘂𝗱 𝗖𝗼𝗺𝗽𝘂𝘁𝗶𝗻𝗴 𝗥𝗲𝗮𝗱𝗶𝗻𝗲𝘀𝘀: Assessed and enhanced cloud computing readiness for banking applications, ensuring scalability and resilience.

Fintech Community

Active member of Arab Monetary Fund, Fintech working group in most of its activities and publication including Fintech Index, Central Bank Digital Currencies (CBDC) and Open Banking & Finance▪ Co-authored three papers as part of FWG along with industry experts and Arab Central Banks:1. Islamic Fintech in the Arab Region: Imperatives, Challenges and The Way Forward2. AI/ML Adoption in Financial Services in the Arab Region3. Guidance Note on Buy Now, Pay Later (BNPL) for the Arab Region

Setting the Digital transformation strategy in collaboration with bank CIO and executive management team.Introducing new innovative digital platforms through the collaboration with Fintechs & ecosystem partnership.1. Open Banking / Open Finance2. KYC over blockchain3. Trade Finance Blockchain (UAE Trade Connect)4. Blue Collar Digital Wallets

▪ Completed a unique and exceptional Digital Transformation program in less than 18 months which had been featured in CXO Insights Middle east magazine on the cover page under the theme of “Digital Leadership” https://issuu.com/cxoinsightme/docs/june-2020 https://www.cxoinsightme.com/feature/how-dubai-asset-management-is-spearheading-digital￾innovation ▪ The Implementation of a Customer engagement program for all customer segments (Individual, Corporate) which includes: Customer Journey mapping, identifying customer journey enhancements, CRM strategy (Segmentation, engagement, retention, Communication), Data cleansing and Mobile App and Portal development. ▪ Launched the DubaiAM life digital platform portal and Mobile Apps (Android and IOS) for individual customers in a record time, which is considered as benchmark to other verticals in Dubai Holding group as well on UAE residential leasing market , the platform initial phase got a very high user adoption , while almost 100% of FM requests goes through the system and 70% of lease renewals.

Working with PWC at Saudi Real Estate Development Fund (190 Billion SAR Real Estate fund, it acts as a Housing Bank) in major digital and business transformation program as part of the Kingdome 2030 vision. Leading operation and technology transformation portfolio from strategy to execution.

Acting as a trusted adviser to the Chief Executive Officer in relation to Technology , innovation and Digital Transformation and Spearhead special projects including major projects and digital transformation initiatives for the bank and its subsidiaries, focusing on the alignment of business objectives and IT strategy , and transforming the bank consumer and remittances business into innovative player in KSA.

Launching the First Islamic Bank in Oman , Pioneered the assembly of system architecture, integration strategy and informationtechnology division and Implemented Cloud computing model, being the first of its kind in financial services in GCC at this time

The first member of the executive management team to join Al Hilal Bank In October 2007 before its establishment with a mission to establish the whole bank in a very short time frame, A significant part of my responsibilities was devoted to non IT related activities which needed to open the bank 1.Became the first member of the executive management team to join Al Hilal Bank, The bank considered one of the prominent newly established Banks in GCC at this time , Supporting the overall launch program including setting launch strategy ,product design , Branches , Policies and Procedures,.. 2.Taking the bank from scratch to go live in less than 6 months , unique and unprecedented achievement which was presented in major financial technology conferences under the title “The war room , Achieving the near to impossible”.

 Heading two departments (Application and Support Services departments) which is the main interface between IT and internal/external customers. My responsibilities includes :o Application development (In house and outsourcing)o Implementations of banking and non banking applications(ERP systems) o Project managemento Application support (First , 2nd and third level support) o Application Security management o Technical support for desktop / laptop users o Service Desk operationso Site Configurations (Setting up new branches , ATM installations and support) Managing the development , implementation and the support of 100+ packaged and In house developed applications for the bank and its subsidiaries Managing the overall technical Support for the Bank and its Subsidiaries  Managing the development and implementation of the Service Level Agreement (SLA) between IT and the bank subsidiaries and Operational Level Agreement (OLA) for inter IT departments.  Reengineering the exiting processes which governs the operations of the Application and Support Services departments. Setting up Application and Support Services departments Strategic Plan to support business plan and preparing IT budget. Implementing major solutions to the bank and its subsidiaries such as Internet Banking , SMS, ERP , Brokerage, Property management ,Image Cheque Clearing System(ICCS) Anti Money Laundry(AML) and business process management.  Preparation and evaluation of RFP’s for the Core Banking replacement/upgrade project and other major applications Member of the Core Banking execution steering committee and the core banking selection committee.  Member of the Bank total Risk Committee and managing the Risk Management project (ALM, Basel II , Operational Risk and Customer profitability) Job Dimensions: 40 Branches , 3 Subsidiaries , 1600+ Users , Direct reports 3 Senior Managers , 40 permanent and outsourced IT staff

 Setting up IT Strategic Plan to support business plan and preparing IT budget. Evaluating and selecting IT Applications and Network Infrastructure inline with the bank’s strategic business plans. Dealing and building a partnership with IT Vendors and managing Vendors SLA’s. Managing the IT project for the transformation from Conventional to Islamic Banking through In house development of Islamic Banking modules and customizing applications infrastructure Expanding the bank electronic delivery channels through the implementation and deployment of Card Management System, IVR, SMS, Website and ATM Machines. Leading a team from business and support units to implement internet banking. Improving and Automation of Manual Business Processes through In house development and the implementation of Business Process Management System (BPM) Upgrading the banking applications infrastructure to the latest levels Centralization of branch operations to central operations division. Leading the team of the Business Process Re-engineering to optimize and re-engineer the Islamic Mortgage process (Tamallak)  Managing the upgrade of the network infrastructure to the latest technology, Blade Servers, Server Consolidations, Windows , Active directory and enterprise backup system. Managing the design and implementation of the Wide Area Network (WAN) infrastructure upgrade. Directed and managed the implementation of a complete Information Security (IS) system (Firewalls, Intrusion detection and prevention, Anti virus , Anti Spam and web filtering) Enhancing the collaboration and sharing information between bank staff through development and Implementation of Intranet portal. Setting up the disaster recovery plan (DRP) and managing the project implementation. Developing the IT policies and procedures for all IT units and processes.