^{Corporate Governance} Executive Management

External Appointments:

Deepak Khullar was appointed Group Chief Financial Officer in 2008. In this role, Deepak oversees the Group Finance function (Financial Planning, Business Performance, Governance & Reporting), Investor Relations, Taxation, Economics, Group Strategy, Strategic Sourcing and Procurement. In 2021, he also took over the responsibility for the Bank’s overall ESG strategy and delivery. He previously spent 15 years with Standard Chartered Bank in the Middle East and in Korea in a variety of senior positions. Prior to that, he worked for 12 years with Ernst & Young and PricewaterhouseCoopers in their assurance, advisory and technical services and training practices in the Middle East and India. Deepak is an alumnus of the University of Delhi, an Associate of the Institute of Chartered Accountants of India, and an Associate Member of the Association of Corporate Treasurers (UK).

Deepak was appointed as a Board Director of Al Hilal Bank in 2019.

Abdirizak Mohamed has been the Group Chief Internal Auditor at ADCB since 2006, responsible for covering the Bank and all of its subsidiaries, having previously worked at the NASDAQ Stock Market, NASD (FINRA) and OFHEO (FHFA). Abdirizak has more than 25 years of financial industry experience that spans capital markets management, accounting policy/applications, examinations and auditing, risk management, regulatory oversight, and corporate governance. He is the former Chairman and current member of the UAE Banking Federation Audit Committee, and over the years served/continues to serve as an independent Audit Committee member of various Abu Dhabi-based companies. Abdirizak is a Certified Public Accountant and holds a master's degree from The George Washington University in Washington, DC, and a bachelor's degree from the University of Washington in Seattle, WA.

Ali Darwish joined ADCB in 2010 and leads the Human Resources Group. Ali has a wealth of experience in the banking industry that extends for more than 20 years working for leading financial institutions in the UAE. At ADCB, he ensures the Bank is building a competitive advantage through people by focusing on strategic talent management, Emiratisation and engagement. Furthermore, he is responsible for driving the Bank's high-performance and agile culture, through its talent.

Rajesh Raheja joined ADCB in 2004 and was appointed Acting Group Treasurer in 2022, having previously served as the Head – Funding and Balance Sheet for 10 years, where he was responsible for the management of the ADCB’s trading, investments and funding platforms. Rajesh has over 30 years’ experience in banking, having previously worked for HSBC and Bank of America in various global financial centres, including London, Hong Kong and Dubai.

Rajesh has a degree in Economics & Accountancy, as well as a Post Graduate Management degree in Finance.

Paul Keating was appointed as ADCB's Group Chief Risk Officer in 2018. He previously worked for the Australia and New Zealand Banking (ANZ) Group for over 30 years, where he served in various capacities across the world. Paul's previous role at ANZ was the Chief Risk Officer and Head of Credit for the Pacific division, which was responsible for 11 countries.

Paul is responsible for Operational Risk, Market Risk, Fraud Risk, Data Management, Credit Policy, Islamic Internal Control and Information Security.

He sits on various management and board sub committees to provide an enterprise-wide risk management perspective. He is also a current member of the UAE Banking Federation Risk Committee. 

Paul holds a Bachelor of Commerce and Administration from Victoria University in New Zealand and a Post Graduate Diploma in Banking Management from Massey University in New Zealand. Paul has also completed the Australian Institute of Company Directors course.

Tilak Silva was appointed as the Group Chief Credit Officer in 2018, having been the Acting Group Chief Risk Officer since 2017. He has been with ADCB for 41 years, focusing on credit underwriting, remedial risk and restructuring. He has an in-depth understanding of the functionalities of all areas of the Bank.

Prior to joining ADCB, Tilak worked for Hatton National Bank in Sri Lanka, undertaking different roles within the Credit Group.

Ludovic was appointed as the Group Head of Wholesale Banking at ADCB in March 2020. Prior to that, he managed the Investment Banking activity. He joined ADCB in November 2008 from Citigroup in London. He is a senior investment banker with 20 years' experience. In 2000, Ludovic started his investment banking career in the securitization team of Credit Agricole Indosuez, London after which he moved to Citigroup, where he focused on Corporate Securitization. During his time in Europe, Ludovic' was instrumental in originating and structuring complex and high profile transactions. In his current role, Ludovic has responsibility for Cash Management, Trade Finance, Corporate Finance and Investment Banking across the Group. Ludovic also leads ADCB's principal finance initiatives.

Ludovic is a French citizen and an alumni of Université Paris-Sorbonne.

Mohammed Al Jayyash was appointed as ADCB's Acting Group Chief Operations Officer in 2019 and was confirmed in 2020. He has held senior operational management positions at ADCB, including Group Chief Service Officer and Branch Operations Manager. He holds Board seats with several ADCB subsidiary companies and is the Chairman of ITMAM Services LLC, and Vice-Chairman of Abu Dhabi Commercial Engineering Services LLC and Abu Dhabi Commercial Properties LLC. He is the Chairman of Emirates Digital Wallet and a Board Member of Al Hilal Bank PJSC. A leader with over 15 years' experience in improving customer experience, ensuring regulatory compliance and delivering capabilities for growth, he has deep experience in banking operations, the customer journey and experience, and digital channels.

Mohammed holds a Bachelor's Degree in Business Administration from Al Ghurair University in the United Arab Emirates, a Post Graduate Certificate in Management at Ashridge Executive Education HULT in the United Kingdom and a Diploma in Banking from the Emirates Institute for Banking and Financial Studies.

Rasha Mortada was appointed as the Group Chief Compliance Officer in 2021, having been the Acting Group Chief Compliance Officer since 2019 and with ADCB since 2006. She has over 25 years’ of experience in the banking industry with leading global and local institutions with. Over 16 years’ of experience in the compliance field covering Regulatory Compliance, Financial Crime, and Conduct Compliance across all business lines.

Prior to joining ADCB, Rasha worked for Citibank UAE, undertaking different roles within Compliance.

Rasha holds a Bachelor in Banking and Finance from the Lebanese American University in Beirut. She is a Certified Anti-Money Laundering Specialist (CAMS), and holds an International Diploma in Compliance from the International Compliance Association, and a Fintech qualification from Harvard.

Jane Livingston joined ADCB in 2011 and was appointed as ADCB’s Group General Counsel in 2021, having first been appointed as Acting Group General Counsel. Jane is an English qualified solicitor who practiced law in the City of London prior to moving to Abu Dhabi in 2007. She has more than 20 years of legal experience covering a broad range of banking, finance, corporate and commercial matters.

Deepak Rochlani joined ADCB in 2004 and is the Group Head of Retail Banking. He has over 25 years’ experience in Retail Banking and Financial Services. Deepak overlooks the Retail Banking Franchise which includes product management and the distribution network including branches, sales and relationship management. He is spearheading the Digital Transformation of the Retail Bank.

Prior to joining ADCB, Deepak held several positions in product & marketing management at GE Capital and IDBI Bank in India.

Deepak holds a Bachelor of Engineering degree from University of Bombay and holds an MBA.