^{Corporate Governance} Executive Management

Ala’a Eraiqat has served as Group Chief Executive Officer of ADCB since February 2009, leading the organisation through sustained growth and strategic transformation

With a career spanning more than 35 years, Ala’a brings extensive experience having held senior roles at prominent international financial institutions before joining ADCB in January 2004.

Ala’a is responsible for delivering long-term value for shareholders through the effective execution of the Bank’s strategy, including a comprehensive AI transformation programme. He has been instrumental in fostering a culture of high-performance, placing strong emphasis on championing Emiratisation in alignment with the UAE’s national agenda. Under his tenure as Group CEO, ADCB has become a market leader in innovation and customer experience.

Ala’a serves as Chairman of Al Hilal Bank, an Islamic digital retail banking subsidiary of ADCB, while also chairing a number of key management committees, including the Management Executive Committee (MEC) and the Management Credit Committee (MCC).

Deepak Khullar has served as the Group Chief Financial Officer of ADCB Group since 2008, overseeing a broad spectrum of critical functions that are essential to the Bank’s financial health, sustainability and strategic direction.

His responsibilities encompass the entire Group Finance function, including financial planning, capital management, business performance analysis, governance, and reporting. Additionally, Deepak leads the Bank’s initiatives in Group strategy formulation, investor relations, taxation, economic analysis, and strategic sourcing and procurement. His remit also includes overseeing ADCB’s sustainability strategy and its implementation.

Before joining ADCB, Deepak honed his expertise over 15 years at Standard Chartered Bank, holding a number of senior positions across the Middle East and South Korea. His earlier career included tenures with Ernst & Young and PricewaterhouseCoopers, where he gained extensive experience in assurance, advisory, and technical services across the Middle East and India.

As Group Chief Financial Officer, Deepak plays a pivotal role in driving the financial resilience and strategic growth of ADCB through a focus on value creation and enhancing efficiency.

Deepak holds a Bachelor of Commerce (Honors) degree from the University of Delhi, India, and is a Fellow of the Institute of Chartered Accountants of India (FCA) as well as a Fellow Member of the Association of Corporate Treasurers, UK (FCT).

Abdirizak Mohamed has been the Group Chief Internal Auditor at ADCB since 2006, overseeing the internal audit function for the Bank and its subsidiaries. With over three decades in the financial sector, Abdirizak brings a wealth of expertise across corporate finance, audit and accounting practices, risk assessment, regulatory oversight, and corporate governance.

He has held roles at renowned institutions such as the NASDAQ Stock Market, NASD (now FINRA), and OFHEO (now FHFA), equipping him with a comprehensive understanding of regulatory frameworks, control environments and industry best practices. Abdirizak has also contributed expertise to prominent UAE organisations, serving as an independent audit committee member for entities including the Abu Dhabi Securities Exchange (ADX), InvestAD, Abu Dhabi Tourism & Culture Authority and Al-Foah. His leadership was further recognised through his former position as Chairman of the UAE Banking Federation Audit Committee.

Through a strategic approach to risk management and a commitment to maintaining the highest standards of financial integrity, Abdirizak continues to play an important role in shaping ADCB’s audit processes and enhancing the Bank’s control functions.

A Certified Public Accountant (CPA), Abdirizak holds a Master’s degree in Technology Management from The George Washington University, USA, and a Bachelor’s degree in Accounting and Finance from The University of Washington, USA.

Robbert Muller joined ADCB as Group Treasurer in January 2023, bringing a wealth of international banking experience.

With a career spanning over 25 years in banking and finance, Robbert has developed extensive expertise in global treasury operations, risk management and financial strategy. Prior to joining ADCB, he spent several years at Rabobank U.A. across multiple international financial centres, including the Netherlands, New York and Hong Kong. Acceding to Head of Group Treasury at Rabobank, he oversaw treasury operations across 12 global locations – managing complex, multi-jurisdictional financial operations and diverse regulatory environments.

As Group Treasurer at ADCB, Robbert plays a key role in supporting the Bank’s growth, leveraging his extensive expertise across a broad spectrum of functions, including sales, funding, and the management of high-quality liquid assets (HQLA) and investment portfolios.

Robbert has a Master’s degree in Management and Organisation Specialisation from the University of Groningen in the Netherlands.

Ludovic Nobili has played a leading role in the significant growth of ADCB’s Corporate and Investment Banking Group through a series of senior roles since joining the Bank in 2008 and as head of the business since 2020.

Ludovic is a seasoned investment banker with a career spanning more than two decades. Prior to joining ADCB, he worked at Credit Agricole Indosuez in London and at Citigroup, distinguishing himself through deal origination and advisory on complex, high-profile transactions.

In his current role, he oversees the provision of a full-service banking offering from small & mid-size enterprises to large corporates and government entities, as well as ADCB’s Private Banking and Asset Management businesses. He has been instrumental in building ADCB’s investment banking capabilities, and in particular the establishment of a market-leading capital markets position in the region.

In his current role, he oversees the provision of a full-service banking offering for small & mid-size enterprises, large corporates, governments and government-related entities, as well as ADCB’s Private Banking and Wealth Management business. He has been instrumental in building ADCB’s investment banking capabilities, and in particular the establishment of a market-leading capital markets position in the region.

Ludovic’s extensive experience and strategic vision continue to drive innovation, excellence and accelerated growth, as ADCB continues to expand its corporate and private banking relationships in the UAE and across key regional economic corridors.

Ludovic graduated from the Université Paris-Sorbonne, France.

Mohammed Al Jayyash has been ADCB’s Group Chief Operating Officer since 2020. He previously held a number of senior management positions within ADCB, including Group Chief Service Officer and Branch Operations Manager.

With over two decades of experience in the banking sector, Mohammed is recognised for his dedication to enhancing customer service, as well as driving growth and efficiency through digital innovation and the effective deployment of technology. Bringing extensive knowledge of banking operations, customer journey optimisation and digital channel development, Mohammed has been instrumental in maintaining ADCB’s position as a digital banking leader in a highly competitive UAE market.

By ensuring that ADCB’s operational initiatives align closely with corporate strategy, business objectives, regulatory requirements and customer expectations, Mohammed continues to be a significant force behind the Bank’s operational excellence and innovation, including implementation of the AI transformation programme.

Mohammed holds a Bachelor’s degree in Business Administration from Al Ghurair University, UAE, a Post Graduate Certificate in Management from Ashridge Executive Education Hult, UK, and a Diploma in Banking from the Emirates Institute for Banking and Financial Studies.

Rasha Mortada joined ADCB in 2006 and was appointed Group Chief Compliance Officer in 2021.

With over 25 years’ experience in the banking industry, Rasha has developed a comprehensive understanding of the international and domestic regulatory environment. Her career trajectory includes several years at Citibank UAE, where she held a number of key compliance roles.

Rasha’s expertise spans a broad spectrum of compliance disciplines, including regulatory compliance, financial crime prevention, and conduct compliance. In her role as Group Chief Compliance Officer, Rasha takes a proactive approach to ensuring ADCB’s adherence to regulatory requirements and industry best practices. Under her guidance, the Bank is continuously enhancing its compliance framework, elevating its capacity to combat evolving risks such as financial crime while leading the market in terms of adapting to new regulatory requirements.

Rasha gained a Bachelor’s degree in Banking and Finance from the Lebanese American University in Beirut, Lebanon, and a Master’s degree in Financial Crime and Compliance in Digital Societies from the University of Manchester in the UK.

Her professional certifications include Certified Anti-Money Laundering Specialist (ACAMS) and Certified Global Sanctions Specialist (CGSS). She also obtained an International Diploma in Compliance and a Postgraduate Professional Diploma in Governance, Risk and Compliance from the International Compliance Association in the UK, a Fintech certification from Harvard University in the USA, and a Diploma in Corporate Governance from the Corporate Governance Institute in the UK.

Jane Livingston joined ADCB in 2011 and was appointed Group General Counsel in 2021. An English-qualified solicitor, Jane brings more than 20 years of international legal expertise to her role, having previously practised law in the City of London.

As Group General Counsel, Jane is responsible for overseeing all legal matters at ADCB. She plays a key role in safeguarding the Bank’s interests by providing strategic legal advice on complex banking, finance, corporate and commercial issues.

Leveraging her extensive experience in the financial services sector, Jane plays a key role in supporting the Bank’s growth and commitment to operational excellence and compliance with all legal requirements.

Jane completed her legal education in the UK, earning an LLB Law (Hons) degree from the University of Essex, before gaining her Legal Practice Certificate at the College of Law.

Deepak Rochlani has been a pivotal figure in ADCB’s retail banking operations since joining the Bank in 2004 and was appointed Group Chief Retail Banking Officer in 2022.

With over 25 years’ experience in retail banking and financial services, Deepak honed his skills in product and marketing management at prominent financial institutions operating in India, including GE Capital and IDBI Bank, providing him with insight into the industry’s rapid change and evolving customer behaviour.

Leading the Retail Banking Group (RBG), Deepak oversees a comprehensive suite of banking services for an expanding customer base. His remit includes product management, ensuring the Bank’s offerings remain competitive, as well as deployment of technology to enhance the customer experience and drive efficiency. Additionally, he manages an extensive distribution network, including branches, sales operations, and relationship management teams, ensuring seamless service delivery across all customer touchpoints.

A key focus of Deepak’s leadership of RBG has been spearheading digital transformation and the development of a partnership ecosystem to support the accelerated growth of ADCB’s retail banking business. This programme of continuous innovation has been instrumental in driving customer acquisition and engagement.

Deepak earned a Bachelor of Engineering degree from the University of Bombay in India, as well as a Post Graduate Diploma in Business Administration from ICFAI Business School in Mumbai, India. He is also a Certified Financial Analyst through the Institute of Chartered Financial Analysts of India.

Abdulaziz Almoosa joined ADCB in 2012 and he was appointed Group Chief Human Resources Officer in 2024.

Bringing over 20 years’ experience in the UAE banking sector, Abdulaziz is responsible for shaping ADCB’s human capital strategy, ensuring the organisation continues to attract, develop, and retain top talent. His focus is on driving a high-performance culture, strengthening Emiratisation initiatives, and enhancing employee engagement across the Group.

Abdulaziz plays a vital role in aligning the Bank’s human resources strategy with core business objectives, while fostering an agile, innovative environment that supports growth and transformation. His leadership extends to building internal capabilities and ensuring that ADCB’s people are well equipped to meet the challenges of an evolving financial and technological landscape.

In line with the Bank’s approach to fostering Emirati leadership, Abdulaziz is instrumental in developing clear career pathways and learning opportunities for the next generation of leaders.

Abdulaziz holds a Global Executive MBA from INSEAD and completed the General Management Programme at Harvard University.

Eng. Abdulla Abdul Aziz AlShamsi was appointed as ADCB’s Group Chief Business Officer in January 2024. In this newly created role within the Group, Eng. Abdulla is responsible for orchestrating strategic initiatives that are essential and core to successfully delivering ADCB’s growth aspirations and strategy.

In early 2025, Eng. Abdulla also took on the responsibility of CEO and Managing Director of Meedaf Investment Limited, a wholly owned subsidiary of ADCB, focused on building a portfolio of businesses within the non-core banking sub-sector through business building, investments, carve-outs and partnerships.

Prior to joining ADCB, Eng. Abdulla served as the Director General of the Abu Dhabi Investment Office (ADIO), where he led the organisation’s efforts to grow and diversify Abu Dhabi’s economy through private sector investment.

Before his role at ADIO, Eng. Abdulla spent 16 years at Mubadala Investment Company, where he held several senior positions. As the Director of UAE Investments, he managed investments in ‘national champions’, fostering industrial and commercial clusters, and partnering with global entities. He also led Mubadala’s Healthcare, Real Estate and Infrastructure platforms, heading the establishment of Mubadala Health and Cleveland Clinic Abu Dhabi, as well as the development of Al Maryah Island, home to Abu Dhabi Global Market (ADGM).

Eng. Abdulla’s extensive experience in strategic investments and economic development positions him well to drive ADCB’s growth initiatives and contribute to the Bank’s ongoing success.

Eng. Abdulla holds a Master’s degree in Architecture (postprofessional) from the University of Pennsylvania and a Bachelor’s degree in Architecture from Carnegie Mellon University, both in the United States. He has also undertaken executive education programmes at Harvard University and Stanford University.

Moizes Palma joined ADCB in December 2022 as Deputy Chief Credit Officer and was appointed Group Chief Credit Officer in 2024.

Moizes has over 30 years’ experience in banking and finance, spanning four continents and eight countries, including positions in Brazil, the Netherlands, the United States, Australia and Argentina.

Prior to joining ADCB, he worked at prominent institutions including ABN AMRO and HSBC, serving as a member of various executive, credit, and strategic committees. Most recently, he held dual roles as Chief Risk Officer and Head of Credit (Retail and Wholesale) at HSBC Argentina.

In his role as Group Chief Credit Officer, Moizes is responsible for overseeing the Bank’s credit strategy, ensuring a balanced approach to credit that enables business growth while protecting the Bank’s interests. His remit includes managing the credit portfolio at Group level, implementing effective credit processes, as well as managing recovery and remediation.

Moizes’ leadership of the credit function is central to ADCB’s commitment to enhancing credit risk management capabilities, particularly through deployment of digital and AI technology, to support growth of the loan portfolio.

Moizes gained a Bachelor’s degree in Business and a Bachelor’s degree in Computer Science, both from Pontificia Universidade Catolica do Rio Grande do Sul, Brazil.

Reem AlBanna was appointed Acting Group Chief Risk Officer at ADCB in 2025.

She leads the development, implementation, and oversight of the enterprise-wide risk management framework, ensuring alignment between the Bank’s strategic risk management and its business objectives, while fostering a strong culture of risk awareness, compliance, and robust governance across all operations.

With over 18 years of experience in the banking sector, Reem brings strong expertise across corporate banking, product development, and credit risk. Prior to joining ADCB, she held the position of Chief Risk Officer at HSBC UAE & International Countries, where her leadership drove several transformative initiatives, including the establishment of a corporate banking unit, strategic outsourcing of credit risk functions, and the deployment of centralised systems for automated regulatory reporting. She played a critical role in ensuring full regulatory readiness during the Central Bank’s Baseline Review under lockdown and collaborated with peer institutions to support the UAE Central Bank’s efforts in managing market-wide financial risk during the COVID-19 crisis.

At ADCB, Reem has led the transformation of the Operational Risk function into a forward-looking Operational Resilience unit, embedding business continuity, third-party risk, and scenario testing into the Bank’s core risk framework.

Reem holds a Bachelor’s degree in Finance from Zayed University, UAE, and an Executive MBA from London Business School, UK.

Pedro Sousa Cardoso joined ADCB in 2025 as Group Chief Digital and AI Officer.

With more than 25 years of international experience in digital banking, technology and business transformation, Pedro has held senior leadership positions across Europe, Asia and the Middle East. Prior to joining ADCB, he served as Chief Digital Officer at Emirates NBD and Head of Liv Digital Bank, where he led digital transformation initiatives across Retail Banking and Wealth Management. Earlier in his career, he held a number of senior digital leadership roles at Standard Chartered Bank Group, including Senior Managing Director and Global Head of Digital Commerce. In addition, he has also served as a director on the board of Standard Chartered Malaysia Berhad.

As Group Chief Digital and AI Officer, Pedro is responsible for leading ADCB's Digital and Artificial Intelligence strategy, overseeing the development and implementation of digital capabilities, data platforms, advanced analytics and AI solutions across the Group. He works closely with business and technology teams to enhance customer experience, improve operational efficiency, and support the Bank's strategic growth objectives.

Pedro holds an MBA from ISCTE Business School in Portugal and has completed executive education programmes in Artificial Intelligence, FinTech, Business Analytics, Digital Transformation and Executive Leadership from institutions including MIT, Harvard University, The Wharton School, Oxford University and the University of California, Berkeley.