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Michel Accad
Chief Executive Officer
Prior to joining Gulf Bank, from 2006 to 2009, Michel was the Assistant CEO of Arab Bank PLC, with direct responsibility over all banking businesses globally, and served on the Group's various Boards.
Before moving to Arab Bank, Michel had spent 27 years with Citigroup, which he joined in 1979. His last position with Citigroup, from 2002 to 2006, was as MD and Division Executive for the Middle East and North Africa region.
Michel has an MBA Honors from the University of Texas in Austin, obtained in 1978.
Fawzy Al-Thunayan
General Manager, Board Affairs
Fawzy joined Gulf Bank in September 2006 as General Manager for Board Affairs.
Prior to joining Gulf Bank as General Manager for Board Affairs, Fawzy spent 16 years with the Central Bank of Kuwait as Manager of the Foreign Operations Department, where he was responsible for the management of the Central Bank foreign currency reserves, treasury operations, the execution of monetary policy and fixing the Kuwaiti Dinar exchange rate, among other activities.
Before joining the Central Bank, he was the Deputy General Manager at the Arab Company for Trading Securities (ACTS) for 5 years, and spent a further 3 years at International Financial Advisors (IFA), a Kuwaiti investment company.
Fawzy has a BA in Business Management from the Catholic University of America.
Carlos Ribeiro
Chief Financial Officer and General Manager, Finance & Support
Prior to joining Gulf Bank in October 2009, Carlos served as CEO and Regional Vice President of Europe for GMAC Financial Services from 2005 to 2009 and was accountable for business with assets totaling USD22 billion and headed a team spread across 18 European countries.
He brings with him more than 25 years business and financial experience, having spent a major part of his career at GMAC and General Motors and prior to that, at Philip Morris, where he led the treasury and tax teams in Brazil in his last position with the company.
Carlos is a CPA and Accounting graduate from the University of Ipiranga in Sao Paulo, Brazil. He has also completed an Advanced Management Program in Finance from the Wharton School at the University of Pennsylvania and an Advanced Management Program in Business from The Darden School at the University of Virginia.
Abdulatif Al Hamad
General Manager, Corporate Banking
Abdullatif joined Gulf Bank in February 2001 and has more than 20 years banking experience.
Under his leadership, Corporate Banking services are delivered in accordance with the highest professional standards.
He obtained his Bachelor's Degree in International Business from San Diego University, California. He has also completed a Management Training Program at Chemical Bank in New York and has undertaken numerous credit and advanced credit courses.
Salma Al-Hajjaj
General Manager, Human Resources (HR)
Salma joined Gulf Bank in February 2013, as General Manager, Human Resources. Prior to joining the Bank, she spent 12 years in the Kuwait Oil Sector in various HR positions until she took the key role at KPC for the establishment of the Center for Leadership Development as its Director. Prior to that Salma worked in HR at Gulf Investment Corporation for 15 years.
She brings with her many years of diversified HR experience and has been responsible for disciplines including designing programs for development, assessment, identification and succession planning in addition to being involved in numerous change management initiatives.
Salma has a BSC in Mathematics from Kuwait University and a MA in Organizational Management from the University of Phoenix in Arizona.
Khaled Al-Mutawa
General Manager International Banking and Investments
Khaled joined Gulf Bank in 1989 as a management trainee and moved on to become the General Manager - International Banking in 2001. In 2006, he assumed responsibility for the Investments Division. Khaled is also the Chairman of the Bank's Management Credit Committee.
He served on the Board of Directors of CINET (Credit Information Network) from 2001- 2008.
Khaled holds a Bachelors degree in Economics from the University of Southern California, Los Angeles (1988) and General Certificate of Education "GCE O Levels" from the University of London (1983).
Saleem Sheikh
Chief Risk Officer
Prior to joining Gulf Bank as Chief Risk Officer in 2009, Saleem was with Arab Bank, where he held the position of Group Chief Credit Officer from 2007 to 2009. He was responsible for the Bank?s credit risk portfolio, credit policy supervision, portfolio management and country risk. He also spent five years with Barclays Bank as Chief Operating Officer for Corporate & Merchant Banking for the Africa & Middle East Region and later on as the Regional Managing Director for Middle East & North Africa.
He began his banking career with Citibank in 1981, and went on to hold a variety of senior business and risk roles in Pakistan, UAE, Nigeria and South Africa, where his last role was Chief Risk Officer for Sub-Sahara Africa.
Saleem holds a MBA degree from Punjab University in Lahore.
Vikram Issar
General Manager, Consumer Banking
Vikram Issar joined Gulf Bank as a General Manager of Consumer Banking in March 2013. Prior to joining Gulf Bank, Vikram worked with Standard Chartered Bank where he was the Chief Operating Officer, Retail Banking Segments, Products & Consumer Finance in Singapore.
He holds more than 21 years of experience in the banking field, including last 7 years spent at Standard Chartered Bank gaining experience in different Asian Markets of Singapore, Thailand and Bangladesh in senior management positions.
Vikram holds a B.Com (Honours), S.R.C.C. from Delhi University and is a Chartered Accountant from India. He has also completed a Leadership Program from Said Business School in the Oxford University, U.K..
Grant Jackson
General Manager, Treasury
Grant joined Gulf Bank in October 2010 as General Manager, Treasury.
Prior to joining Gulf Bank, Grant was with Commercial Bank International (CBI) in Dubai, where he was Head of Treasury and Investments for two years. In this role, he has supported the turnaround of CBI through a complete reconstruction of the Treasury and Investments Division, leading to significantly increased treasury profitability.
Grant also spent 18 months seconded to the Qatar subsidiary of Ahli United (Bahrain), re-developing the risk management and operational framework of Treasury, and 13 years at N.M. Rothschild & Sons (Australia) in various treasury roles.
Grant holds a Masters degree in Applied Finance from Macquarie University in Sydney.
Mark Magnacca
Chief Marketing Officer
Mark joined Gulf Bank in 2004, and currently holds the position of CMO, Marketing. He is responsible for all aspects of marketing as well as the management of Electronic Banking Channels , Customer Insights/ Research, and Channel Experience.
He has extensive international experience in consumer marketing, international brand management and new business acquisition. He has worked successfully in a number of senior marketing roles globally and in Europe, North America, the Middle East and Asia having spent a major part of his career with British American Tobacco (BAT). He specializes in Marcomms, Brand Management, External Comms, Social Media, Channel Experience, Electronic Banking Products & Services, Mobile Banking, Online Banking, Customer Insight and Service Quality.
Mark has an MBA from Ashridge Management College (England) and holds a Bachelor of Commerce Degree with Honors from Queen's University (Canada).
Husain Mairza
Chief Information Officer & Deputy General Manager (IT)
Husain first joined Gulf Bank from 1989 until 2003, and then rejoined the Bank in 2010 as Chief Information Officer.
Prior to rejoining Gulf Bank, he worked as Head of Systems Development at Al Ahli Bank of Kuwait (ABK), and as Head of Systems Engineering Division, Assistant General Manager, at the National Bank of Kuwait (NBK).
Husain holds an Executive Masters Degree in Business Administration from the American University of Beirut, and a Bachelor's degree in Computer Science, from the University of Wisconsin, Oshkosh (UWO - USA).
Khaled Gamal Eldin
Chief Internal Auditor & GM Internal Audit
Khaled joined Gulf Bank in September 2012 with 26 years banking experience.
Prior to joining Gulf Bank, he worked with Al Rajhi Bank as the Group Chief Internal Auditor for six years, where he covered Al Rajhi Bank - KSA and its overseas branches in Malaysia, Jordon and Kuwait. He was an Audit Committee member for ?Al Rajhi Capital?, the investment subsidiary of the bank.
He spent 11 years with Qatar National Bank in Doha where he handled a variety of audit roles as well as establishing and leading the Compliance function. He also served the regulatory and supervisory side in the Central Bank of Egypt?s Banking Control Sector.
Khaled is a CPA from the State of Colorado, USA and holds an MBA in International Banking and Finance as well as CAMS, CFE and a Diploma in Risk Management.
