UBF’s 20 committees are tasked with specialized duties and responsibilities to facilitate smoother internal and external operations. All committees make an active effort to work in harmony with one another, and are led by an experienced chairman tasked with ensuring that their respective sector remains in line with the organization’s overall mission and vision. The committees are expected to research, consider, recommend and give feedback regarding key banking issues.

Committees Chaired By
Retail BankingKaizar Patla, EVP, Head of Consumer Assets, ADCB
LegalFadi Mudarres, General Conseil, General Counsel – Head of Legal Department, Mashreq
SMEYousif Kruse, Head of Small & Medium Enterprises (SME), Al Masraf
Wholesale & CorporateVikram Pradhan, Head of Corporate and Institutional Banking, NBF
Financial MarketsAzar Khawaja, Executive Vice President Global Market &Treasury, Emirates NBD
Islamic BankingMohamed Bouya O.M. Fall, Head of Sharia's Research & Innovation Dept., ADIB
ComplianceHanan Mansour, Head of Group Regulatory, FAB
Risk ManagementManoj Chawla, Group chief Risk officer, Emirates NBD
MarketingMartin Scott, Chief Marketing Officer, ADCB
Human ResourceEman Abdulrazzaq, Head of HR, MENA, HSBC
AuditAbdirizak Ali Mohamed, Chief Internal Auditor Group, ADCB
ITZubair Ahmed, SVP, Head of IT & BI, Emirates Islamic Bank
Fraud PreventionGurcharan Chhabra, Head of Fraud and Investigations, Mashreqbank
OperationsBarid Neogi, Senior Vice President, Head Group Operations Governance and Business Support, Emirates NBD
Digital BankingAref Al Ramli, SVP- Head of Digital Banking and Innovation, Mashreqbank
Information SecurityMohammed Darwish Azad, Chief Information Security Officer, Emirates NBD
Wealth Management GroupMoukarram Atassi, Head - Investment Management, NBF
Retail CreditJaswinder Singh Taunque, Head of Credit & Collections, FGB
FinanceSamer Hamed, Chief Financial Officer, Investbank
AcquirersVibhor Mundhaba, Head of Merchant Acquiring Business, Mashreq

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