RETAIL BANKING, PAYMENTS & FINANCIAL TECHNOLOGIES
06 - 07 April 2015
Ritz Carlton DIFC Dubai United Arab Emirates
www.retailbanking-expo.com
SPECIAL FEATURE Dedicated exhibition to run alongside the extremely successful conference providing extensive networking opportunities
INTERACTIVE ELECTRONIC POLLING & E-NETWORKING Easy Online Accessible Networking System for Online Voting, Live Polling, Interactive Feedback & Simply More Fun!
TEN
Years of Success
In celebrating its 10th anniversary, the Middle East Retail Banking Forum & Expo has expanded, offering more opportunities, to include a dedicated exhibition to run alongside the extremely successful conference. Focusing on all aspects of core retail banking and financial payment technologies, this is your opportunity to showcase new solutions and services to senior decision makers from the Middle East’s leading banking and financial services sectors.
CONFERENCE FOCUS
Year on year I see the event improving in leaps. Participation facilities and topics show maturity which is a great program.
Mujtaba Naqvi Head – Global Branch Business Development, HBL (Habib Bank Ltd)
300 Delegates
1,000 Attendees
Driving Retail Banking Growth; Implementing Innovative Strategies
Adapting to Technological Revolution
Importing best practices in retail banking
Defining Drivers of an Engaging Retail Banking Experience
Social Media Platform and Retail Banking Trends
Number of Sponsors
234
Number of Attendees
Countries Represented
50 VIP Buyers
51
80 Companies
30
41
Speakers/Panelists
WHO MUST ATTEND Heads of: Retail Banking, Personal Banking, Consumer Banking, Individual Banking, Branch Banking, Priority Banking, Remote Banking, Islamic Retail Banking, Direct Banking, Digital Banking, Electronic Banking, Personal Financial Services, Consumer Finance, Consumer Lending, Consumer Credit, Retail Assets, Retail Liabilities, Retail Loans, Secured Lending, Unsecured Lending, Branch Sales, Branch Management, Delivery Channels, Retail Distribution, Alternate Channels, Product Development, Retail Product Risk, Affluent, Retail Strategy, Retail Marketing, Personal Finance, Personal Loans, Cards, Retail Customer Management, Customer Experience, Business Development and Retail Operations.
Booking line |
Tel: + 971 4 6091570 |
Fax: + 971 4 6091589 |
email: sanjay.swamy@fleminggulf.com www.retailbanking-expo.com
Introduction
Very good! Full of new information and showing experience, networking and innovation.
The 9th Annual Middle East Retail Banking Forum held at the Address Dubai Marina, Dubai, UAE on the 7 - 9 April 2014 gathered over 234 participants from 41 countries who marked their presence at the premier retail banking event of the region. The three day captivating conference programme featured 36 sessions by 51 regionally and internationally renowned speakers addressing ‘Transforming Retail Banking into a Futuristic Banking Model‘. The event gave an excellent opportunity to participants from the region’s retail banking industry to discuss critical issues of how to sustain growth, retain customers and adapt to a futuristic innovative retail banking model.
Hazem Hegazy Branches & Consumer Banking Group Head, National Bank of Egypt
Delegate Profile Breakdown
Country Breakdown
Technology & Operations Consultants Vice Presidents
11% Head – Branches & Distribution
5% 32%
13% 11%
Head – Electronic Banking
Head of Retail/ /Consumer/ Personal Banking
7%
23%
Division Head – Retail Products
Head – Alternate Channels
UAE 37%
8%
Qatar
7% 21%
Africa APAC Pakistan Oman 2% 3% 2% Bahrain 5% 4% Lebanon 5% Jordan 4%
Kuwait Saudi Arabia
Join previous supporters including
RETAIL BANKING
WHO MUST ATTEND Heads of: Retail Banking, Personal Banking, Consumer Banking, Individual Banking, Branch Banking, Priority Banking, Remote Banking, Islamic Retail Banking, Direct Banking, Digital Banking, Electronic Banking, Personal Financial Services, Consumer Finance, Consumer Lending, Consumer Credit, Retail Assets, Retail Liabilities, Retail Loans, Secured Lending, Unsecured Lending, Branch Sales, Branch Management, Delivery Channels, Retail Distribution, Alternate Channels, Product Development, Retail Product Risk, Affluent, Retail Strategy, Retail Marketing, Personal Finance, Personal Loans, Cards, Retail Customer Management, Customer Experience, Business Development and Retail Operations.
Booking line |
Tel: + 971 4 6091570 |
Fax: + 971 4 6091589 |
email: sanjay.swamy@fleminggulf.com www.retailbanking-expo.com
Distinguished Speakers and Panellists Asad Batla, Bank Nizwa Head of Consumer Banking
Sanjoy Sen, ANZ Retail Banking Asia-Pacific Managing Director
Abrar Mir, United Bank Limited EVP & Group Head - Digital Money & Mobile Payments
Farshad Nowshadi Saman Bank Corporation Vice President of eStrategy & Technology
D. Anand, Qatar Islamic Bank General Manager- Personal Banking Group
Gary Mond, Al Khalij Commercial Bank (al khaliji) QSC Head of Personal Banking
Ehab Fawzi Madanat Jordan Ahli Bank Executive Manager - Remote Banking Channel: Retail Banking Group
Arup Mukhopadhyay Abu Dhabi Commercial Bank Executive Vice President, Head – Consumer Banking Group
Ali Imran, Saudi Hollandi Bank Head of Personal Financial Services & Business Banking
Ziad Fatayer Jordan Commercial Bank Chief Retail Banking Officer
Ghazi Qarout, Qatar Islamic Bank Chief Information Officer
Peter D. Halsor, Riyad Bank Chief Customer Experience Officer David Power, Commercial Bank International, Head of Retail Banking
Excellent program, made a lot of new contacts, useful insights and networking. R. Narasimhan Deputy General Manager Head of Retail Banking Division, Bank Sohar SAOG
Pankaj Jain, du Telecom Manager e-Sales Digital Business
Official Media Partner
Media Partners
R
The Voice of Technology and Finance in Africa
Knowledge Partner
Booking line |
Tel: + 971 4 6091570 |
Fax: + 971 4 6091589 |
email: sanjay.swamy@fleminggulf.com www.retailbanking-expo.com
DAY 1
6th April 2015
7:30
Registration and Morning Coffee
8:30
Welcome Note from Fleming Gulf
8:40
Chairman’s Opening Remarks
8:50
Sli.do Introduction
Enabling Technology 14:00
Crafting the ideal Digital Strategy
14:20
Two-way 360-view: Effective Data Monetisation
Asad Batla, Bank Nizwa, Head of Consumer Banking
The Big Picture 9:00
Looking into the Future of Retail Banking – Learnings from Asia
9:40
The Competetive Edge; Enabling Effective Systems and Customer Support Staff
• Trends in Retail Banking in Asia • Changing Competitive Landscape; neo banks & traditional players • Innovative Strategies in Retail Banking • Technology Revolution and Payment Disruption • How to Drive Retail Banking Growth • Adoption of Digital Banking & Social Media • Best Practices across Asian markets Sanjoy Sen, ANZ, Managing Director, Retail Banking Asia-Pacific
• Customers are becoming increasingly busy and convenience is important to customers, Retail Banks need to capitalise on this and provide effective support in this direction • Significant transformation in the retail banking landscape has led to increasing consumer demands • Banks need to stay focussed on delivering the best customer service possible to gain the competetive edge
10:20
Networking and Exhibition
Integrating Retail Banking Technology 11:00
Featured Panel Discussion Session GURU Panel ;
• The rise of the new “Web and Mobile only Banks” • P2P Foreign Exchange developments- Will effect Banks Profits • The new generating of Push ePayments, Why good for Banks and Bad for CCard Companies. • Banks new generation Competitors: Apple and Google as an eBank • Building Trust & Innovation through Digital Banking –CRM is KEY • Setting up User Ability(UX) Labs-Is Essential. • Improving User Experience and Reduce Costs Farshad Nowshadi, Saman Bank Corporation Vice President of eStrategy & Technology
• • • •
12:00
Emerging Customer Segments
12:20
The UAE Mobile Wallet Project
12:40
13:00
15:00
Coffee Break & Networking
15:30
Spotlight: Payment Technologies
• Developing highly skilled customer service capable of serving a specific customer segment Develop workforce skills aligned with customer needs • The project will provide users of mobile devices with an electronic equivalent of the traditional wallet, able to store, transfer money and pay for goods and services very conveniently from a common platform • Even those without bank accounts can use their mobile devices such as smart phones and tablets to make payments and money transfers • It incorporates the facility for smart phones and other digital devices to be used for cashless purchasing in UAE retail and other outlets, as well as a means to store and transfer money
• Customers increasingly expect the same transparent visibility of their products and services as the banks view • This should include being able to use a single password to sign in and view everything through a clear and simple dashboard • 360-view is the prerequisite to being able to monetise data more profitably in the future • Sophisticated new data integration tools can make it possible for banks to set up smart rules to ensure that data is handled according to local data governance rules Here’s your chance to make a name of yourself. This session presents a sponsorship speaker opportunity to share your expertise. For inquiries, please contact Robin Joe at robin.joe@fleminggulf.com, +91 9980888866
14:40 Banking is heading for Radical Change (Creative Destruction)
Evaluating the Next Step
Building a consistent and cost-effective customer service Delivering customer-aligned products and services Banking on enhanced customer loyalty and long-term value Integrating processes and technologies that enable to build and act upon a detailed view of what each customer wants Featured Panellists Sanjoy Sen, ANZ, Managing Director, Retail Banking Asia-Pacific D.Anand, Qatar Islamic Bank General Manager- Personal Banking Group Ziad Fatayer, Jordan Commercial Bank, Chief Retail Banking Officer David Power, Commercial Bank International Head of Retail Banking Asad Batla, Bank Nizwa, Head of Consumer Banking
With online and mobile banking continuing to make deep inroads into consumers’ lives, it is time for banks to rethink how they attract and retain customers. Creating relationships with digital customers is critical if banks want to differentiate their brands and boost loyalty. The presentation will address: • Identify & Mine a wealth of information about your customers • Effectively using social media and a variety of other digital sources to make connections and draw insights that previously remained in silos or were unknown • Move away from reactive transaction-based customer relationships, towards a more personalized and proactive experience • Enabling Technology that fulfills digital intelligence, post-login experience, everywhere banking, digital relationship management and socially engaging banking • Best Practices and Case Studies Abrar Mir, United Bank Limited EVP & Group Head - Digital Money & Mobile Payments
• UAE is investing heavily in adoption and implementation of electronic payments through the e-government initiative • Banking to be made easier and cheaper for consumers through direct debit to replace cheques, a unified payment gateway for debit, credit, ATM and e-commerce transactions, and a nationwide credit bureau Here’s your chance to make a name of yourself. This session presents a sponsorship speaker opportunity to share your expertise. For inquiries, please contact Robin Joe at robin.joe@fleminggulf.com, +91 9980888866
Emerging Markets & Best Practices 16:00
Addressing Needs of Different Market Segments
Financial fraud is a serious risk with damaging consequences if not properly addressed. Risks have become more complex as hi-tech organized criminal gangs use increasingly sophisticated technique’s to compromise financial transactions and steal money. The presentation will address: • Out with the old in with the new – How one time passwords and tokens are no longer enough to ensure that customer transactions will not be intercepted. Identifying the tools to help combat online and mobile banking fraud from anywhere in the world. • Identify stages of attack such as malware, social engineering, mobile fraud, unauthorized withdrawal’s. • Effectively combating cyber-attacks through multi-layered approaches drawing new insights Into a fast evolving technologies previously unknown by deploying solutions in detecting, mitigation and prevention of financial fraud. • Case Studies – preserve your businesses reputation by boosting customer satisfaction & loyalty Here’s your chance to make a name of yourself. This session presents a sponsorship speaker opportunity to share your expertise. For inquiries, please contact Robin Joe at robin.joe@fleminggulf.com, +91 9980888866
16:30
Penetrating Emerging Markets
18:00
Closing Remarks from the Chairman
Lunch Break
End of Conference Day 1
Speakers & Delegates are cordially invited to a
Spotlight: Online & Mobile Banking – Fraud prevention
Booking line |
Tel: + 971 4 6091570 |
17:00
• Banks need to serve the rapidly diverging needs of all markets; Gen-X and Gen Y • Developing services and products that address the specific needs of different market segments. • It is important to gain rapid access to emerging markets to grow revenues • Focussing on reducing the cost of new customer acquisition • Having culturally aligned service would increase customer loyalty
Panel Discussion Importing best practices in retail
banking
• Current trends in middle east retail banking in the Middle East vs Global practices • How does retail banking in the GCC differ in terms of customer segmentation, services and delivery channels • Importance of innovation in areas such as mobile banking, online security, and products Featured Panellists Ehab Fawzi Madanat, Jordan Ahli Bank Executive Manager - Remote Banking Channel: Retail Banking Group
Networking Reception
Fax: + 971 4 6091589 |
email: sanjay.swamy@fleminggulf.com www.retailbanking-expo.com
DAY 2
7th April 2015
8:00
Registration and Morning Coffee
8:50
Welcome Note from the Chairman
Asad Batla, ank Nizwa, Head of Consumer Banking
Retail Bank Innovation: The Next Step 14:00 Spotlight: Gamification Leading to Online Innovation
• Banks are trying to build back trust and confidence with their customers • Gamification can be used to spread awareness and financial education to customers • Gamification can be exciting to the customers but banks face a spectrum of challenges • The growing trend of gamification combines element of tangible reward with a game of some type to engage the consumer • Reward may not always be monetary, gamification helps to incentivize consumers into interacting with banks Here’s your chance to make a name of yourself. This session presents a sponsorship speaker opportunity to share your expertise. For inquiries, please contact Robin Joe at robin.joe@fleminggulf.com, +91 9980888866
Retail BankTech-Future 9:00 The Mobile Channel
• Taking customer engagement and service to the next level with the help of mobile banking • Optimizing distribution channel mix to provide an enhanced customer experience while remaining competitive • Exploring newer options like mobile remote deposit capture (RDC) and mobile marketing ; providing value added services to customers while reducing operational costs Arup Mukhopadhyay, Abu Dhabi Commercial Bank Executive Vice President, Head – Consumer Banking Group
14:20 Shifting Towards a New Banking Attitude • • • •
9:40 Powerful Growth Engine of Retail Banking
• Increased focus of banks to diversify their product offerings • Competing in increasingly important areas such as wealth management advisory , retirement and protection needs
10:20
10:50
Networking and Exhibition Panel Discussion
Roundtable
14:40 Wealth Management Offering
• It is analysed that alongside deposit-taking as a baseline service for retail banking, banks without a strong wealth offering will lose share • It is important to work with Customer Insight and Segment teams ensuring a customer led proposition and seamless experience • Cross-selling opportunities increase with affluent customers • Careful segmentation and tailored offerings is the key Gary Mond, Al Khalij Commercial Bank (al khaliji) QSC, Head of Personal Banking
GURU Technology Exchange
• Technological innovation and efficiency to ensure growth • Mobile payments, cashless transactions, contactless and pre-paid payments and online product developments are changing the way forward for financial transactions • Tackling questions of security and privacy • Banks need to invest more heavily in IT and human resources to combat fraud such as phishing and identity theft
15:00
15:30 Corporate Governance; Adopting New Strategies
• Developing innovative marketing solutions that are customized to the needs of each customer • Towards higher standards of corporate governance; good governance is pivotal in helping the business to deliver its strategies
12:00 Spotlight: Decentralized Digital Currencies
• Growing popularity of virtual currencies, cryptocurrency market is a growing industry • As the economy grows, the cost of cash to society is also increasing • Overcoming drawbacks of virtual currencies keeping in mind volatility, security breaches and government restrictions Here’s your chance to make a name of yourself. This session presents a sponsorship speaker opportunity to share your expertise. For inquiries, please contact Robin Joe at robin.joe@fleminggulf.com, +91 9980888866
16:00
• Are banks focusing on processing transactions and containing risk, instead of developing an emotional connection with consumers to drive trust and loyalty? • Are banks struggling to align their priorities with customer priorities? • It is important to take individual action on customer feedback Peter D. Halsor, Riyad Bank Chief Customer Experience Officer • Exploring the full potential of online banking • Only one third of banks’ customers in the Gulf use online services • Customers are reluctant to use e-banking as they not be aware of its advantages or are afraid of fraud
13:00
Panel Discussion Defining Drivers of an Engaging Retail Banking Experience; Way Forward
• Designing products and services aligned to the changing demographic profiles of the countries banks are operating in • Social media and rapid adoption of digital banking technologies are the main generators of big data in banking • Security and integrity of customer data is paramount • Customer expectations, technological advancements, regulatory policies, demographics and economics are together creating an imperative for banks to radically innovate and transform themselves for the future Featured Panellists Ali Imran, Saudi Hollandi Bank Head of Personal Financial Services & Business Banking Pankaj Jain, du Telecom, Manager e-Sales Digital Business Gary Mond, Al Khalij Commercial Bank (al khaliji) QSC Head of Personal Banking
12:20 Investing in Customer Loyalty
12:40 Potential of Personal Internet Banking (PIB)
Coffee Break
Engaging Retail Banking Experience: Way Forward
11:40 Measuring Branch Technology
• It is important to define goals of branch technology and subsequently be able to measure the technology’s impact on those goals • Branch Banking channels should be business expansion channel rather than Transaction processing centres Ghazi Qarout, Qatar Islamic Bank, Chief Information Officer
Building a solid online banking trend Increasing global attention in developing Asian regions Global trade liberalisation and global competitiveness and threats Regulatory realignment towards industry consolidation
17:00
Closing Remarks from the Chair
Close of the Conference
Farewell Coffee and
Networking
Lunch Break
I would like to thank everyone who has helped with the research and organization of this event, especially the speakers for their support and commitment. Welma Williams, Deputy Production Director welma.williams@fleminggulf.com Robin Joe, Business Development Director robin.joe@fleminggulf.com
Booking line |
Tel: + 971 4 6091570 |
Fax: + 971 4 6091589 |
email: sanjay.swamy@fleminggulf.com www.retailbanking-expo.com
Biographies Speakers & Guest Panelists Asad Batla, Bank Nizwa Head of Consumer Banking Asad Batla has an MBA in Finance and Marketing from LUMS and B.S in Electrical Engineering from Rutgers USA. He has over 20 years of industry experience having worked in Banks like Citibank, ANZ Banking Group Australia, Barclays Bank and more recently Islamic banks like Noor Islamic Bank and now Bank Nizwa. Over these years Asad has managed various regional and senior country positions, working across and managing geographies like, Korea, Indonesia, Philippines, Pakistan, Middle East and Australia. Over the last two decades his experience has been in establishing businesses, growing them and in a few cases managing in an economic downturn. Asad has managed complex P&L businesses in many countries and large scale bank integrations over his career. In the last seven years his focus has been establishing and running of two successful Islamic Banks. Noor Islamic Bank of UAE and the most recent one is Bank Nizwa, the first Islamic Bank of Oman. Asad currently Heads the Consumer Banking division of Bank Nizwa.
David Power, Commercial Bank International Head of Retail Banking David Power is Head of Retail Banking for Commercial Bank International and is responsible for leading the strategic direction of the Retail Banking business unit of the bank and was appointed to this position in November 2011. Prior to that he served as the Chief Retail Banking Officer at National Bank of Oman SAOG and also served as its General Manager of Consumer and Private Banking. Before moving to Oman he served as Deputy General Manager for Retail and Priority Banking at Gulf Bank in Kuwait for two years. During his professional career spanning over 25 years, he has served in a number of key leadership positions in leading banks globally, including amongst others, the Divisional Director of Private Banking at Nedbank Ltd., Johannesburg, South Africa, the National Manager Standard Bank Offshore Group, Channel Islands and Head of Priority Banking at Standard Bank Ltd., Johannesburg, South Africa. He is an associate member of the Institute of Bankers in South Africa as well as an Associate Member of Templeton College, Oxford, where he completed a Post Graduate Diploma. Mr. Power holds a Bachelor’s Degree in Economics & Business Administration from the University of Cape Town in South Africa and Post-graduate Diplomas in Management from Henley Management College in the UK as well as Ashridge Management College UK.
porate communications, PR and media relations. A keynote conference speaker on retail banking strategies, his role with Al Khaliji bank offers a series of exciting challenges as they position themselves as a leading Premium brand. Prior to joining Al khaliji Gary was involved in the Islamic Banking arena as advisor to the Retail Banking division of Barwa Bank, helping to establish their private and priority banking services. He was also involved in the banks acquisition of an Islamic window, customer base and branch network from a conventional bank, which was awarded the Islamic deal of the year 2011.
Ghazi Qarout, Qatar Islamic Bank Chief Information Officer ‘Quality only happens when you care enough to do your best’ A strategic visionary leader in the field of financial services’ Information Technology, with a strong focus on IT transformation, strategy, change management, innovation, solutions and cost management, Ghazi Qarout has led several dynamic teams riding the exponential growth curve of the bank IT infrastructure in the Middle East over the past thirty years, and is presently the Chief Information Officer of Qatar Islamic bank in Doha - Qatar. Ghazi is a reputable spokesperson in regional and international conferences. Starting his career in Jordan in 1983, Ghazi worked for many years with one of the most prominent financial institutions in the region - the Arab Bank – eventually running a $ 35m budget as SVP-Information Technology. He also served as a member of a National Steering Committee for the Central Bank of Jordan - Electronic Cheque Clearing (ECC) project. As an avid supporter of the ICT industry in Jordan Ghazi was heavily involved with the Jordan Computer Society and chaired the institution for two years until May 2010. Ghazi was a Trustee of the highly reputable Princess Sumaya University for Technology from April 2008 till November 2009. In 2008, Ghazi was engaged by Al Hilal Bank to consult strategically on multiple facets of IT and Management to help launch the bank’s IT platform, which was delivered in 4 months. Shortly thereafter, Ghazi joined the bank as the Head of The Enterprise project management Office (EPMO) streamlining project management and planning methodologies. Ghazi was appointed to head the IT function as SVP - Information Technology. He launched the initiative of Al Hilal bank Information Agenda firmware and enables Al Hilal bank to become the first entity in the world to adopt this state-of-the art technology. In May 2013 Ghazi has joined Qatar Islamic Bank as the Chief information officer. Today Ghazi is leading a bank wide transformation program covering, TOM, business process, enterprise architecture and replacing the core banking system and all related applications. Building a robust, flexible, scalable, dynamic and futuristic infrastructure.
Ehab Fawzi Madanat, Jordan Ahli Bank Executive Manager – Remote Banking Channel: Retail Banking Group
Honors and Awards:
Ehab is the Executive Manager for Jordan Ahli Bank, where he is responsible for the contact center and electronic channels. He has more than 17 years of experience in setting up and building call center, electronic channels and business consultant, for different organizations mostly banking industry, working for major Banks in the Middle East; Mashreq Bank, National Bank of Abu Dhabi, Kuwait Finance House, and National Bank of Kuwait. Most of the Call Centers he has run have been certified and awarded several times from local and international specialized organizations in call center business. He is a Certified Contact & Help Desk Manager, and Certified Master Trainer
Specialties:
Farshad Nowshadi, Saman Bank Corporation Vice President of eStrategy and Technology
Peter has extensive experience in the financial services industry having led customer-centric teams to deliver market-leading propositions for several leading financial institutions in both London and continental Europe. At Fidelity Investments, Peter led the design & delivery of the UK’s first online mutual fund service. At Lloyds TSB he led a sales & service automation programme, implementing point-of-sale software to transform the advice process. As Head of Customer Experience at NEST, Peter led a customer-centric design team to define the Omni-channel experience for a pension scheme which will be used by over 4 million customers. Currently at Riyad Bank as Chief Customer Experience Officer, Peter is leading a business transformation programme to drive customer-centricity across the retail bank. He is responsible for defining the customer experience strategy across all channels, implementing a Voice of Customer Programme and applying customer experience metrics based on a net promoter score methodology.
With over 25 years of practical experience in Finance and Technology, Farshad can advise and support Internet Start-ups especially in areas of Financial Services, eCommerce, Mobile Payment solutions and CRM systems. Currently part of the Mentoring program at Level39@Canary Warf London, one of Europe largest Fin/Tech start-up community. Farshad is also advisory VP of Technological strategy at Saman Bank, one of the largest Banks in the Middle East with 4 Million customers, 250 Branches and over 250,000 POS merchants. Farshad has helped the bank and its many technological sub-companies to significantly grow in value - the Bank went from a $10 Million company to a Multi Billion $ Company. For 20 years, Farshad has been one of the key consultants to Reuters Financial global services working as a consultant to global Banks (such as Deutsche Bank and Barclays), Stockbrokers and at Microsoft HQ. Furthermore, Farshad is the Author of a number of internationally-selling books on technology in the financial world and an Intentional Speaker on Technology and Finance. He has an M.Phil(Computing) from Sussex(UK) Univ.
Gary Mond, Al Khalij Commercial Bank (al khaliji) QSC Head of Personal Banking Gary Mond is a seasoned banker with a career that has spanned close on 40 years both in the Middle East and UK. He has held General Manager positions in Retail Banking and has repositioned existing businesses as well as establishing businesses from inception. Gary has worked for leading banks such as Barclays, Burgan Bank, IBQ, NBF, Mashreqbank, Barwa Bank. Currently the Head of Personal Banking with Al Khalij Commercial Bank (al khaliji), his areas of experience cover business strategies, segmentation positioning, change management, strategic planning, business development, marketing and brand positioning. Over his career he has had responsibilities for the operations of consumer banking including card business, Private Banking, SME business, wealth management, project management, risk management and operations. A proven track record in startup and business growth environments, delivering outstanding strategic growth, spearheading change, business results and enhanced profitability. He is an able negotiator and relationship-builder with the ability to influence opinion formers and decision makers. Highly-focused on quality standards and service deliveries, as well as being skilled in cor-
Booking line |
Tel: + 971 4 6091570 |
Who’s Who of Financial Technology – Middle East 2011; by World Development Forum. The Medill East 2012 CIO 50 award ; by CNME IT Transformation IT Strategy formulation, Enterprise Architecture, Information Technology IT Governance Business Processes Engineering and Management
Peter D. Halsor, Riyad Bank Chief Customer Experience Officer
Ziad Fatayer, Jordan Commercial Bank Chief Retail Banking Officer Ziad Fatayer is the AGM – Retail Banking Group at Jordan Commercial Bank as well as Board Member of the International Cards Company ( I C C ) as Vice Chairman representing Jordan Commercial Bank. Ziad Fatayer has an extensive background in Retail Banking, Marketing, Planning, Budgeting, Customer Consumer Support and Management as well as PMO. He demonstrated a record of developing retail & SMEs banking strategy and implementing solutions to multidimensional complex operational problems. In addition, Ziad has an overall responsibility to establish a bank in conjunction with line of businesses operations, administrating, planning and directing banking activities. Furthermore, he is responsible for creating and maintaining customer support policies and processes to support customer’s administrators operations and client relationship management. He has over 23 years of great experience in retail banking in regional and international banks as well. His broad experience included working in leading banks such as: Citibank, Mashreq bank, ABN Amro Bank, Arab Bank, BKME (Bank of Kuwait and Middle East), Bank of Jordan, Capital Bank and Libyan Qatari Bank. His educational background includes an MBA in Marketing from the University of Poona-Symbiosis of Management / India (1989). And a B. Com degree in Accounting and Auditing from the University of Poona-Symbiosis college of Commerce /India (1987), plus Post graduate diploma in Promotion & advertising from New Delhi.
Fax: + 971 4 6091589 |
email: sanjay.swamy@fleminggulf.com www.retailbanking-expo.com