Academic Achievement
Certified Management Accountant (CMA)
Bachelor of Science Degree in Banking and Finance, Yarmouk University, Jordan (1991)

Background
Basel has over 25 years of diverse experience in Financial Analysis, Finance
Accounting Management, Risk Management, Team Management, Financial Planning Control, Investment Management, Budgeting Variance Analysis, Cost Control Management, Cash Flow, Liaison, Devising Financial Procedures, Policies Practices
Basel has in depth understanding of the financial numbers, and the understanding of how those numbers impact the profitability, liquidity, and solvency of the company

Experience
• Project Manager for IFRS 9 and
IFRS 17 implementation
• Financial advisor of a range
of investment matters
• Tax Agent
• Strong knowledge of VAT
• Compliance Experience
• Experienced in designing policies
procedures
• Detailed understanding of IAS
IFRS
• Risk analysis and risk
management expertise
• Provided analysis for insurance
plans, financial projections,
regulatory requirement, and
budgets
• Comprehensive knowledge of
I insurance industry

Associate Director – Banking and Compliance

MA – Economics, CAIIB with more than 30 years experience in Financial Sector

Background

• Satish is an outstanding professional with expertise in all aspects of banking, remittance and MSB services. He has vast experience in setting up corporate systems and governance in Banks and other financial entities.
• He brings in global perspective in compliance having closely worked with regulators in various countries.
• He was heading the Banking and Governance in a leading exchange company in UAE for almost 8 years.
• He was also involved in ensuring compliance in other group companies in foreign locations.
• He was involved in strategic assignments in a leading Public Sector Bank with overseas exposure.
• He was actively involved in implementing the Risk Management in the Bank.
• He was a key official for the exchange and has participated in the discussions with CB UAE.
• He has skills to develop AML framework, policies and procedure covering the regulatory and correspondent banking requirements.
• Has good knowledge on compliance environment in the country and globally.
• He is familiar with FATF recommendations and global sanctions requirement.
• Has excellent knowledge and experience in conducting enhanced due diligence for customers (corporate / retail), exchange companies and financial institutions.
• Having excellent knowledge on developing systems specific to transaction screening, scenarios for transaction monitoring and risk profiling.
• Having good Experience in operational risk identification and recommending risk mitigates including risks relating to AML.

Senior Director – Governance, Risk and Compliance

Chartered Accountant – ICAI (India),

Bachelors of Commerce – University of Calcutta

Background

Gaurav is a Director with AJMS’s Governance Risk and Compliance department.

• He has extensive international professional experience of over 15 years in Assurance, Consultancy, VAT Compliance, Banking and Operations, spread across institutions in the Gulf.
• Prior to joining the AJMS team, he was the Chief Financial Officer in a wholesale Bank.      Responsibilities included:
• Ensuring compliance with Central Bank regulations and IFRS standards.
• Developing and obtaining board approval for business plan and financial budgets.
• Analysing financial results at each month-end.
• Streamlining process by implementing effective internal controls over accounting and financial reporting processes.

With Ernst & Young, Gaurav was working as a Senior Manager in the Financial Services & Asset Management Group of the Assurance service line. Including • internal audits risk assessment • TAX compliance • fraud prevention/detection • policies and procedures • training and • statutory audits.

• review of treasury and investments including Private Equity & Hedge Funds functions in banks;
• Analyze results of operations and suggested best practices to address control weaknesses of various segments of clients’ operations.
• Setting up the audit approach and execution of the TAX assignments, in consultation with partners, which makes effective use of team members’ skills;
• Hands-on experience in development and deployment of IFRS 9 analytics, data analytics and policy development
• Appraising the adequacy and use of financial and operating policies, procedures and controls and constantly recommending required improvements therein;
• Facilitating elimination of non compliance of Central Bank regulations through appropriate corrective and preventive action;
• At Ernst & Young, Major clients engaged for various services were:
• Investcorp Bank
• Bank of Baroda
• Al Salam Bank
• Bahrain Saudi Bank
• Nomura Investment Bank and    Venture Capital Bank

Business Development Manager
Bachelor of Business Administration, SBS

 Ahmed is a Business Development Manager in AJMS Global.
 Ahmed is a veteran in Client relations and Business Development, having 20+ years of experience
 Ahmed have an experience in Sales & Marketing, Business Development, Relationship Management, Professional Networking and
 Business Banking in his previous role.
 Earlier to joining AJMS Global, Mr. Zakaria was working in client relations and business development with Emirates NBD, First Gulf Bank, ADIB, Mawarid Finance and Cinque Technologies.
 Being a native Arabic speaker, Ahmed bridges the communication needs of Arabic speaking clients.

Educational Qualifications:

ACCA, B.Com, CAT

Background:

• Born in May 1992
• From: Karachi, Pakistan

Experience in:

Faraz is working as an Asst. Manager, Governance, Risk and Compliance at Morison Consulting. He has professional experience of over 6 years exclusively in Audits and Compliance spread across institutions like , Habib Metro Bank Ltd, Morison Consulting, Buhaleeba Group of Companies and Gulf Integrity Management Consultancy. Faraz job portfolio is very much diversified due to audit association with different attributes of private and government sector industries which includes; Retail, Educational Sector, Real Estate Companies, Construction Companies, Exchange Co’s, Insurance Brokers, Banks, Trading companies and Service Sector Organizations. Hands on experience of providing the compliance services (Anti-Money Laundering) and Internal Audit Services to Banks and Exchanges as per the requirement of CBUAE and State Bank of Pakistan.

His audit exposure includes all the core processes of organization which includes; Sales, Procurement and Contracts, Advances, Exchange Remittance Operations, HR, Finance and Accounting, Cash Management, Inventory Management, Facility Management and Production. Compliance services (AML/KYC) and Internal Audit Services to a large portfolio of 15 plus Insurance Brokers, as mandated by Insurance Authority.

Skill Set:

• Internal Control and Regulatory Compliances
• Operational Audit
• Compliance Audit
• Financial Statement Audit
• Investigatory, Inquiry skills with Skepticism
• Risk Assessment
• Financial Analysis
• AML Audits
• Financial Forecasting’s

Business Development Manager
Masters of Business Administration (MBA), Kardan University, Afghanistan
Bachelor of Business Administration (BBA), SRTM University, India
Certified Marketing Professional (CMP), American Certification Institute
Diploma in United Nations Studies , Indian federation of United Nations Associations (IFUNA).

Sailab is working as a Business Development Manager of AJMS Global.
Sailab has extensive experience in Business Development, Sales, Marketing and Corporate Communication
Prior to joining AJMS, Sailab was with Afghanistan Institute of Banking and Finance as Business Development Manager focusing on Corporate commutation, public relations and business development . Prior to that he has worked as a Business Development Officer in Ghazanfar Bank , he has also worked with Afghan Wireless Communication company as a sales Executive
Has strong relationship with financial sector including Banks, MFIs and Insurance companies in Afghanistan and International organizations
, Participated in different national and international events and workshops
Developed and implemented a comprehensive communication strategy including communication plan, communication objectives and communication channels.
Developed several proposals, project reports, news letters and business plans
Delivered trainings in the area of Marketing and Management
Carried out survey and research for different projects .

Manager Tax
Chartered Accountant (Aff) – ICAP (Pakistan)
Bachelors of Commerce

► Usman is a Big 4 and Top 10 experienced Tax Specialist and his experience covers Middle East & South Asia (MESA) region.
► He is highly skilled in Tax Advisory, Compliance & Process Improvement, Tax Audits & Dispute Resolution, Tax Consequences of Mergers and Acquisitions (M&A), Tax Due Diligence and Client Relationship Management.
► Prior to joining AJMS, he has worked as:
► Senior Manager – LMKG
► Manager Tax & VAT – Baker Tilly Middle East
► Assistant Manager Tax – KPMG
► Tax Specialist – Khushhali Bank Limited,
► Tax Supervisor – PKF
► Tax Supervisor – Deloitte & Touche
His experience includes working as a strategic tax advisor with known and sizeable names in different economy sectors such as Banking & Insurance, Oil & Gas, Telecom & IT, Shipping & Logistics, Manufacturing, Energy & Utilities, Social & Development, HNWIs, and OMBs.
His expertise include:
• Tax Advisory
• Tax Compliance
• Tax Process Improvement
• Tax Health Check Reviews
• Tax Dispute Resolution
• Tax Technology
• VAT Implementation across new jurisdictions and new company formations

Senior Consultant.

Sithy is a Senior Consultant at AJMS Global.

Sithy has  experience of more than 15 years covers affiliation with Multi Nationals, and in Sales and Marketing . She is also proficient with latest Digitalized financial & accounting technology.

She has extensive international professional experience in, Analyzing, Underwriting  in retail credit products, Customer Due Diligence ,AML ,Risk Assessments, Compliance & also in Customer Onboarding. Compliance, and Fraud Prevention and Investigations.

Prior to joining AJMS, Sithy was working with Emirate NBD PJSC –Dubai for 9 years. she has joined in retail Credit Department in ENBD and then she moved to Auto loans Department ,and then  to Accounts and liabilities.

She has Conducted several trainings session and spoken on various ongoing issues of KYC,CDD and Compliance Related factors for Sales Staffs.

Senior Consultant – GRC

Swathe is working as a Senior Consultant at AJMS.

She is a Chartered Accountant and graduate in bachelor of commerce degree.

She has professional experience of over 6 years exclusively in Audits & Taxation.

She is currently working with various insurance companies and Financial institutions in the UAE on assisting with the development, implementation, and execution of:

– IFRS 17

– IFRS 9

– Internal Audit

– Risk Assessments

Senior Consultant

Ajo Simon is a Senior Consultant with  AJMS, having more than 12 years of experience across multiple service offerings such as Internal audit, Financial Planning, Compliance and Analysis,  Developing the SOPs, Process Audits, Risk Management, and Strengthen the Internal Controls for smooth Business Processes.

Ajo Simon has significant experience in reporting, Compliance, Internal Controls and conducting Internal Audit for clients in  Government, Exchange House (Money Changers), Insurance Companies and insurance brokerage sectors.

Ajo Simon has experience in conducting Risk Assessment of clients using primary and secondary sources of information for various regions.

Managed all monthly, quarterly and annual division financial results analysis.

Internal Audit Consultant

Preeja is working as an Internal Audit – Consultant at AJMS.

She has over 6 years of technical expertise in financial services industry mainly Reinsurance claims and Corporate Taxation for UK and EMEA clients.

Prior to joining AJMS Global, Preeja was working with Big 4 firm; Ernst & Young LLP; India on UK Corporate Taxation projects of UK and EMEA clients namely Brookfield; Tiffany & Co and many more using the HMRC guidance and One Source Citrix application. Also worked with Xchanging Technologies serving for broker AONBENFIELD.

Gained hands on experience with Global Risk Distribution system(EDE/RAR/ Accounting/AC Maintenance/LMI/CLASS.)

Gained expertise in reviewing the work of team members and was rewarded for performance excellence.

Preeja is currently working with various insurance companies in UAE on assisting with the development, implementation, and execution of internal audit plans.

Education

MBA with Major in Finance

BBA with Majors in Finance

Background

AJMS Global Consulting, VAT Consultant

SEP’17 – SEP’20 (3 Years)

• VAT Consultant in the Governance, Risk and Compliance department
• Handled projects in various fields like AML Audit, VAT Advisory & RIA Audit.
• VAT Registration and Implementation for various Exchange Houses and Trading companies
• Focused on VAT Consult ting & RIA AUP’s Audits specifically handling the clients in Financial Services Sector of Banks, Exchange Houses, and Insurance Brokers.
• VAT Subject-Matter Resource, capable in VAT Registrations, Implementation and VAT Returns and VAT Health Checks. Aided in successful VAT Implementations & Returns for various Exchange Houses, Trading companies, and DIFC Banks
• Coordination between company staff members and external VAT consultant for timely implementation of VAT Law Provisions.
• Keeping a tab on VAT project completion schedule and ensure that deliverables timelines form both internal staff member and VAT consultant are met.
• Responsible for timely and accurately filing of VAT Returns in accordance with provisions of VAT laws and regulations.
• RIA AUP’s Audits for over 15 Exchange Houses performed by AJMS Global Consulting, responsible for the planning of the Audits, collection of the documents and understanding the system in depth
• and how the process of Remittance is done for various Exchange Houses.
• Familiar with the RIA Process and is confident of leading the RIA Audit myself and shares a good rapport with Clients as they are perfectly satisfied with his work.

Consultant

Anandu has completed his MBA in field of finance and is currently an Internal Auditor Intern at AJMS global.

He has undertaken internship in Al Masraf Arab Bank for Investment and Foreign trade where he was exposed to the branch and corporate audit.

He has completed his Bachelors in the field of taxation from Kerala University.

Degree: Bachelor of Science in Agricultural Business

Professional Experience:

• Survilla had total experience of 15 years’ in different sector.
• She handles the KYC for NBF clients, allocate and update the tracker in daily basis, reviewed, and released the reports.
• She is handling the accounts at the same time.
• She also handles document controlling of the Signed Engagement Letters and other details for the clients.

Skills:

• SAP Literate (Version R3 4.6 and 4.7)
• SVM Version 2.2.2.
• DP World

Rizwan Khan is the Associate Partner of AJMS Global, He is a Member Association of Certified Financial Crime Specialists -ACFCS Editorial Task Force. AML 360. He has successfully completed Disruptive Strategy, E4M, Essentials of Management, Principles of leadership courses from Harvard business school online. Community Member OECD.

Al Marzooq is the Managing Partner in Alatheer, with more than 30 years of experience (including 21 years with KPMG and PriceWaterCopers – two of the largest 4 accountancy firms) he served a wide range of clients in various sectors including real estate, general trading and manufacturing companies, conventional and Islamic banks, investment companies, insurance, governmental entities and services organizations, listed and privately owned business. Al Marzooq have accumulated significant exposure in audit, business consulting and non-audit assignments including internal audit, process reviews, development and review of procedures manuals, investigative assignments, human resources consulting, etc. Al Marzooq experience has been reflected in providing professional advice in the matters related to business formation and commercial registration, facilitating the provision of such services through the extensive knowledge obtained in regards to structure and type entities to be formed, tax and other regulations applicable in Bahrain. He has extensive international experience includes working on assignments in Oman, Qatar, Kuwait, Saudi Arabia, Turkey, Libya, Albania, Iran, Canada, Egypt and many other countries.

Abbas Alrabei – Partner – Mr. Alrabei is holding a Bachelor degree in Accounting from the University of Bahrain and is a Certified Public Accountant (CPA) from New Hampshire board of accountancy.  Alrabei has joined AJMS Alatheer Consulting team in 2014.Abbas has more than 15 years’ experience in auditing, accounting and banking disciplines. Mr.Alrabei has gained business consulting and auditing experience through working in BDO Jawad Habib, in which he served wide range of clients in different disciplines including, airline, tourism, trading, construction, manufacturing, telecommunications and money exchange. Alrabei had worked in the government sector in the economic development board, And accumulated his wide range experience in working in First Leasing Bank in the finance department. Mr.Alrabei had worked in NueTel telecommunications company as a Finance Manager.

Educational Qualifications

• Bachelor of Commerce
• MBA with major in Marketing and minor in Finance

Background:

Raj Kumar Jajoo has so far hand-on experience in few marketing assignments. He has now decided to pursue his interest in finance field. He is into his second year of post-qualification experience.

Experience in:

• Conducted market research on smartphones usage as a part of Reliance JioInfocomm Limited, Jaipur R&D programme.
• Responsible for handling inbound calls of AT &T (US) customers and cross-selling of other product and services
• Responsible for providing technical assistance to Adobe software users.
• He is presently involved in AML Audit assignments with Morison Consulting and soon will be stretching his wings to other areas of Corporate Governance.

Tap Kumar is a VAT & Accounting Supervisor with AJMS Alatheer Consulting, having more than 10 years of experience in the area of account, finance, audit and administration in various sectors such as education, audit firm, business house, development organization, and Exchange Company.

Tap Kumar has significant experience in Financial Analysis and reporting, conducting statutory and Internal Audit for clients, VAT consultation and preparation of financial statements of the entities.

Fatima is an HR Manager with AJMS. Handling Human Resources (HR) , payroll, monitoring and training activities. Additionally, Fatima handles marketing and Tamkeen-related duties, Ministry of labour , LMRA and all the work of Ministry of Industry Commerce and Tourism (investors center). Fatima was part of Ministry of Labour and Labour Fund (Tamkeen) Conducting screening, placement, payroll, monitoring and training activities targeting more than 900 unemployed graduates under direct employment scheme as well as on-job-training scheme in more than 90 governmental & private sector organizations. The project consists of one project manager and 8 project members. The project budget is approximately BD5 million with a duration of 2 – 3 years, and involves using integrated systems and databases. Reporting to Training Affairs Advisor.

Zahra Al Mahfoodh is a senior accountant in Noor Accounting Services for more than one year. During this period she has enhanced her knowledge and skills throughout working on several types of industries which provided her with opportunity to deal with different accounting softwares, concepts, and standards. Zahra has been graduated recently from university of Bahrain with bachelor degree of accounting on 2016. Besides, she has joined BDO Jawad Habib for two months as a trainee in external audit department. Zahra has a significant experience in preparing assets, liabilities and capital account entries by compiling and analyzing accounting information. Further, summarizing current financial status by collecting information, preparing balance sheet, profit and loss statement and other reports.

Maitham is a Senior Accountant with AJMS’s Accounting and bookkeeping department, having 2 years of experience across multiple service offerings such as, Preparing the Financial Statements, Management Reporting,, Performing Book keeping and acconting and Installing accounting Sofrwares. Maitham has significant experience in establishing Financial reporting, Book keeping and Accounting services, Installing accounting Systems And Training for clients across sectors including Hospitals, Gyms, Constructions companies, Restaurants

Nadera is an accountant at AJMS Company .she has working as a Bookkeeping for other companies . She has an experience with Al moyed company as an accountant for two months . Nadera has an accounting degree as a major and minor of finance from University of Bahrain Nadera have Many Functional tasks in AJMS Company : She is Working in recording of financial transactions for anther companies , which is part process of accounting in business , including purchases , sale , receipt , and payments by individual person or an organization. She is also preparing annual budget and tax account of other companies. Nadera also works as a bookkeeping of many companies She is do the client and entered The transactions by using two programs which are QUICKBOOKS AND PEACHTREE.

Ejlal is an Accountant with AJMS’s as a book keeper. Ejlal is a motivated accountant girl, that has the require qualification standards. And confident with multi-skills and with excellent knowledge of finance and accounting procedures. Ejlal is proficient in all functions of accounting, in addition to balancing sheets, processing payments, managing accounting payable, also adept in using QuickBooks, Peachtree, other accounting software platforms and applications that may be used. Dedicated to providing exemplary work and supporting the overall mission of the department and company.

Ebtehal is Certified Associate in Project Management (CAPM) awarded from Project Management institute (PMI) – US. An accountant in AJMS Alatheer, having experience across multiple sectors such as Clinics, Educational institutions, Interior design companies and quality assurance companies. She has gained business consulting experience through assisting clients in processing Tamkeen enterprise support scheme, preparation of business plans, feasibility studies and market research. In addition to serve a wide range of clients in different disciplines including construction, cleaning, painting, manufacturing, foundry, sand washing plant, Information technology, Pharmacies, gym, currency exchange, petroleum, solar energy, hospitals, food and beverages factories, restaurants, transportation, general trading, travel agencies, farms, and others.

Mohamed is AJMS Bahrain’s IT specialist. His primary responsibility is administering and maintaining internal IT elements, including domain and hosting services, NAS server, software licenses, and office hardware. Mohamed also holds a supporting role in business development, wherein he works on proposal and engagement letter preparation and follows up with prospective clients. He also has some practical experience in business consultancy, as he acts as the company’s lead member in conducting its Tamkeen Consultancy service. This involves the preparation of a business plan and financial forecast for clients who wish to apply to Tamkeen’s Business Development programme, where we assist them in obtaining the highest possible support from the governmental agency.

Muhammad Altaf Hussain
Managing Partner Oman Territory and Partner Tax & Advisory UAE
ICAP, CIPFA, PIPFA, B.Sc. (Econ)
altaf@ajmsglobal.com | +968 9414 9519

 With 23-year experience as Big-Four professional accountant and Top Ten Partner, Altaf is one of the GCC region’s top 10 experts in Technology Powered Tax Accounting and a seasoned Tax practitioner,
 He enjoys repute within GCC’s economy movers and has served prestigious clients across multiple industries e.g. Energy, Technology, Media, Telecom, Financial Institutions, Healthcare, Real Estate, and Govt, in UAE, Pakistan, and Afghanistan,
 He is a serial entrepreneur, ex-CEO of a scheduled bank in Afghanistan, CFO in energy, technology, and public health sectors in MENA.
 He has also supervised the development of Accounting, Risk, and Tax Compliance related software, and currently working on setting up a knowledge repository for regional tax frameworks of multiple countries as well as the development of a Tax Decision Support System.
List of Major clients engaged for various services
 Mitsui Oil Exploration Co.
 Cisco Systems
 Dubai World Trade Center
 Oman Insurance Company
 Oman Trading International
 Vale Emirates
 Italtel Middle East
 Gulf Business Machines (IBM)
 Alrosa East
 British Council
 Kempinski Hotels
 Javid Jaihoon Group (fuel farm logistics)
 Heavy Mechanical Complex Pakistan
 Pakistan Broadcasting Corporation
 Citibank
 Prime Bank
 SME Bank Pakistan
 Small Business Finance Corporation
 Regional Development Finance Corporation
 Afghan United Bank
 CWCD Microfinance
 Daman Microfinance
 Rockefeller Philanthropy Advisors
 Swiss Agency for Development Cooperation
 USAID
 UNHCR / UNFPA
 HealthNet TPO (Public Health INGO)

• Deepti brings with her over eighteen (18) years of experience in various Senior Management roles in Corporate Governance, Compliance, Anti-Money Laundering, Anti-Fraud and Risk Management domains in the Financial Services and Aviation industries across Bahrain, Qatar, UAE and Oman.
• The globally accepted frameworks she commands include Basel II and III, IFRS 9, OECD, FATF, FATCA, CRS, ISO 9001 and ISO 31000.
• She successfully implemented GRC frameworks in start-ups as well as established financial institutions and an aviation company. One of the banks won the Corporate Governance Excellence Award under her leadership as Head of Compliance and Corporate Governance.
• Through-out her career across financial institutions she has played an effective role in advising the Boards of Directors and Senior Management on Governance, Risk and Compliance issues. Her CEOs/Boards have presented her with express accolades in the fields of Compliance, AML/CFT and Governance.

Associate Partner – Chartered Accountant

Armughan is an Associate Partner with over 15 years experience in audit, consulting, tax and finance and brings a wealth of experience to his role having worked extensively in Oman and other MENA countries such as Qatar, UAE, Yemen and also in Pakistan and Africa.

Prior to joining AJMS, Armughan was working with Deloitte & Touche’ Middle East for around 15 years, with more than 10 years at the management level.

He has an extensive experience in the FSI and Government sector and led the engagements of Tier 1 listed banks, multinational banks, sovereign wealth funds and various group investment entities. He has also been involved in regulatory reporting to the CBO and other central banks as per the required guidelines and regulations and Anti-money laundering reviews.

Mr. Ayman holds a Bachelor’s Degree in Accounting from Yarmouk University – Hashemite Kingdom of Jordan. He has twenty-three years of experience in external and internal audit, compliance audit and other accounting areas. He has completed several training courses in IFRS and has extensive experience in auditing large and medium sized companies to include industrial, Insurance, financial, service and government services. He has experience in auditing and preparing consolidated and separate financial statements, financial and operational risk assessment, planning and execution of audit under a risk-based plan, establishing audit procedures and defining the methodology for implementing the audit and sampling. He has also participated in several financial reports and financial and accounting investigations. He is fluent in Arabic and English and has previous experience in auditing computer-processed financial data. He has the ability to work on statistical sampling and collection programs, in addition to his familiarity with the applications of Microsoft and Excel in particular. He has many years of experience in many fields, especially industrial companies and precious metals as well as non-profit organizations. He has completed a number of courses in financial management and planning.

Mr. Nizar holds a Bachelor’s degree from the University of Jordan – Hashemite Kingdom of Jordan. He has passed the Jordanian legal accounting profession and is currently a member of the Association of Chartered Accountants of Jordan and a member of the Association of Internal Auditors of Jordan. He has more than 10 years of experience in internal and external audit and compliance audit, in addition to his extensive experience in auditing medium and large size companies to include industrial, construction, commercial, insurance, financial and service services. He has experience in auditing and preparing separate and consolidated financial statements. He is fluent in both Arabic and English and has the ability to work on statistical sampling and collection programs, in addition to his familiarity with the applications of Microsoft and Excel in particular. His experience extends to various sectors including, but not limited to: industry, trade, construction, banking and finance, hotels, aviation, tourism, communications, oil and gas, and non-profit organizations.
Qualifications:
Member of the Institute of Internal Auditors – America IIA
Member of the Jordanian Association of Chartered Accountants (JCPA) category (a) 2006

Mr. Harb is a Chartered Accountant, and has completed more than 400 projects under the umbrella of audit and consulting projects during his busy career. Mr. Harb has been a professional accountant for over a decade. He holds a bachelor’s degree in accounting from Mutah University in the Hashemite Kingdom of Jordan. He has completed and overseen the preparation and presentation of projects to clients from various sectors and from all walks of life at the local, regional and international levels. He also enjoys strong and varied relationships built over years of trust, respect and credibility in dealing with these clients in order to serve them and help them reach their goals desired. He is the Managing Director of Modern International Auditing and both Morrison Global, where he has been at the helm for more than twenty-one years. He has 17 years of experience in internal and external audit, compliance audit and other accounting areas. He is an expert in International Financial Reporting Standards (IFRS). He has extensive experience in auditing large and medium-sized companies to include industrial, construction, commercial, insurance, financial and service sectors And government. He has experience in auditing and preparing consolidated and separate financial statements, financial and operational risk assessment, planning and execution of audit under a risk-based plan, establishing audit procedures and defining the methodology for implementing the audit and sampling. He has also participated in several financial reports and financial and accounting investigations. He is fluent in Arabic and English and has previous experience in auditing computer-processed financial data. He has the ability to work on statistical data collection and analysis programs in addition to his knowledge of Microsoft and Excel applications.
Qualifications:
Member of the Institute of American-American Accountants (IMA).
Member of the Institute of Internal Oversight (IIC).
Member of the Jordanian Association of Chartered Accountants (JCPA) 2006 license No. (852)

Associate Director – Banking and Compliance

MA – Economics, CAIIB with more than 30 years experience in Financial Sector

Background

• Satish is an outstanding professional with expertise in all aspects of banking, remittance and MSB services. He has vast experience in setting up corporate systems and governance in Banks and other financial entities.
• He brings in global perspective in compliance having closely worked with regulators in various countries.
• He was heading the Banking and Governance in a leading exchange company in UAE for almost 8 years.
• He was also involved in ensuring compliance in other group companies in foreign locations.
• He was involved in strategic assignments in a leading Public Sector Bank with overseas exposure.
• He was actively involved in implementing the Risk Management in the Bank.
• He was a key official for the exchange and has participated in the discussions with CB UAE.
• He has skills to develop AML framework, policies and procedure covering the regulatory and correspondent banking requirements.
• Has good knowledge on compliance environment in the country and globally.
• He is familiar with FATF recommendations and global sanctions requirement.
• Has excellent knowledge and experience in conducting enhanced due diligence for customers (corporate / retail), exchange companies and financial institutions.
• Having excellent knowledge on developing systems specific to transaction screening, scenarios for transaction monitoring and risk profiling.
• Having good Experience in operational risk identification and recommending risk mitigates including risks relating to AML.