^{Corporate Governance} Executive Management

Ala'a Eraiqat has been the Group Chief Executive Officer of ADCB since February 2009, steering the organisation through a period of significant growth and transformation.

Through a career spanning over three decades, Ala'a brings extensive experience in the banking sector. He held prominent roles at a number of high-profile international financial institutions before joining ADCB in January 2004, where he served in a number of senior executive positions before his appointment as Group Chief Executive Officer.

Ala’a is responsible for leading and guiding ADCB and its subsidiaries to achieve the objectives committed to shareholders, and he has been instrumental in fostering a culture of high performance. Under his leadership, ADCB has become a market leader through a dedication to customer service excellence and digital innovation.

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, 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.

Paul Keating joined ADCB as Group Chief Risk Officer in 2018 to lead the Bank’s implementation of best practice in risk management, navigating significant change in the operating and regulatory environment.

Paul’s career spans over three decades and includes a number of senior roles at Australia and New Zealand Banking Group (ANZ) across multiple geographies, notably as Chief Risk Officer and Head of Credit for ANZ's Pacific division, overseeing operations in 11 countries.

In his role at ADCB, Paul is responsible for overseeing the Bank’s risk management framework, ensuring that all significant risks are identified, assessed, monitored and mitigated in alignment with regulatory standards and industry best practices. Reporting directly to the Board Risk Committee, Paul provides insights on emerging risks, supports informed decision-making, and promotes a strong risk culture across the Bank to protect its financial stability and reputation.

Paul has a Bachelor’s degree in Commerce and Administration from Victoria University, New Zealand, along with a Post Graduate Diploma from Massey University, New Zealand.

Group Chief Corporate, Wealth, and Investment Banking Officer

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 over two decades. Prior to joining ADCB, he worked in the securitisation teams 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 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 in Business Management 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.

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. Her professional certifications include Certified Anti-Money Laundering Specialist (ACAMS) and Certified Global Sanctions Specialist (CGSS). She also obtained an International Diploma in Compliance from the International Compliance Association in the UK, a Fintech certification from Harvard University in the USA, a Diploma in Corporate Governance from The Corporate Governance Institute in the UK, and a Postgraduate Professional Diploma in Governance, Risk and Compliance from ICA and Manchester Business School 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 25 years’ experience in the 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 a rapidly 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 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.

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

Prior to joining ADCB, 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, 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).

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.

Abdulla holds a Master’s degree in Architecture (post-professional) 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 both 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 robust 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.