NHZ-Resume-September ****

Najeeb Zaidi, FRM

Email: ac2f5x@r.postjobfree.com

Skype: ac2f5x@r.postjobfree.com

Cell: +1-469-***-****

Location: Frisco, TX, USA

Career Statement

Leadership and Risk Strategy Professional,

Twenty-three years of diversified experience in international banking, and capital markets. Key expertise in Corporate Finance, Enterprise Risk, Strategy, Portfolio Management, Financial Modeling, Fintech, Technology Implementations, & Predictive Analytics. Interested in a leadership role involving large project implementations / PMO, Risk & Strategy management, M&A and/or Corporate Development focus especially for Fintech, Blockchain/Distributed Ledgers (DLTs), machine learning (ML) and deep learning (DL) technology based operations / innovations.

Skills & Competencies

• Lead Strategic Change for maximizing Value Add;

• Team Building with International Diversity;

• Creating consensus for successful projects risk governance and implementations;

• Project Management, Change Programs Implementation

• Financial Risk and Portfolio Management

• Economic Capital, Risk and Complex Transactions Valuation Modeling,

• Fintech & ML/DL Innovation for Corporate Development;

• Subject Matter Expertise (SME) for: Financial Risk & Strategy;

Investment Management; Machine Learning & Predictive Analytics; Blockchains, DLT & Decentralized Applications (DAPs);

• Hands-on skillset for: Python (especially Sci-kit-Learn, & TensorFlow), R, SQL; MS-Azure-ML portal, AWS Solutions, Ethereum/Mist/Solidity.

Work Experience

Title: CEO / Director

Company Name: BlockSol Inc. Dallas, USA

Period: 01/2017 to date

Sponsors: Institutional & private investors group.

• Lead research and development in the areas of DLT, Algorithmic trading applications using ML & DL techniques and AR / MR techniques. Quantum computing research partnerships.

• Business Development and technical resource planning. Key areas include Fintech / Blockchain based lending and portfolio management analytics and platforms. Augmented / Mixed reality applications for banking, treasury and capital market operations.

Title: AGM, Group Head Strategic Risk Management

Company Name: Qatar National Bank (QNB)

Period: 12/2010 to 12/2016

Supervisor: Group Chief Risk Officer–Mr. Grant Lowen URL: www.qnb.com

Portfolio under review authority: ~ QAR 726 billion (USD 199 Billion)

Tasks/Achievements:

• Lead Enterprise Risk Management (ERM) function ensuring risk governance, risk policies & frameworks, control, & integrated value-add implementations. Support Group Chief Risk Officer (GCRO) for presenting Strategic Risk Management (SRM) specific business to Board of Directors (BOD), Board Risk Committee (BRC) & Senior Management Committee (SMC). Prepare briefings, & advise on risk appetite vs capital strategy.

• Lead Portfolio Management across twenty-six (26) countries & multiple asset classes, ensuring development, implementation, control, monitoring of risk modeling, Risk Adjusted Return on (Economic) Capital (RAROC), default & provisions forecasting, and directly contributing to capital optimization, risk appetite, risk strategy, & product/program pricing.

• Delivered and successfully managed implementation of 40+ international projects under Group Risk Management Change Programs, including setup of risk governance, program tracking, regulatory compliances, technology and approved budget management.

• Delivered risk due diligence, asset valuations, financial modeling, strategy deliberations for acquisitions & capital planning in coordination with Group Finance / Group Strategy functions. Accountability: Group Risk Committee (GRC) & SMC. Made a significant contribution to bank's 12x growth in six (6) years.

• Lead risk governance & coordination with regulatory jurisdictions, relevant to QNB, as risk subject matter expert. Key regulatory jurisdictions: UK, France, Switzerland, Turkey, Egypt, Qatar, UAE, Oman, Saudi Arabia, & Singapore. Key topics of my interactions: local banking Basel 2 & 3 implementations and regulator’s workshops, support presentations and assist on Supervisory Examination and Review Process (SREP), Internal Capital Adequacy Assessment Process (ICAAP, equivalent of Comprehensive Capital Adequacy Analysis & Review – CCAR, in USA), Liquidity Coverage Ratio (LCR), Net Stable Funding Ration (NSFR), Interest Rate Risk in Banking Book (IRBB), International Financial Reporting Standard IFRS-9, Stress Testing Regulations

(equivalent of Dodd-Frank’s DFAST), Recovery & Resolution Planning (RRP as per UK regulations), Undertakings for Collective Investment in Transferable Securities Directives (UCITS) listings and other topics initiated from Financial Stability Board (FSB), International Institute of Finance (IIF) & World Bank’s workgroups.

• Designed & delivered Risk Change Program implementations. Successfully developed risk team & implemented more than forty (40) risk programs, risk systems, integration & business process (BP) automation. Managed ongoing risk coordination, support & communications with Business, Group Project Management Office (PMO), & IT on risk projects. Team size managed twenty-three (23) under direct reporting team at head office (HO), and approx. sixty (60+) team members across regions and subsidiaries.

Title: Head of Risk Modeling & Capital Management;

Company Name: Al Rajhi Bank;

Period: 09/2008 to 11/2010;

Supervisor: Group CRO, Mr. Guiseppe G. Montalto;

URL: www.alrajhibank.com

Portfolio under review authority: ~ SAR 58 Billion (USD 16 billion)

Tasks/Achievements

• Lead implementation & monitoring of all risk analytics and modeling requirements: with special reference to Consumer & Structured portfolios. Analytics, Modeling & Control initiatives included risk rating, economic capital, cash flow modeling, securitization, risk pricing, Funds Transfer Pricing (FTP) & limits based on predictive approaches.

• Implemented required risk architecture & contributed to relevant policies/procedures ensuring validation controls & Use Tests. Conducted portfolio reviews, advised remedial strategy & capital recommendations. Successfully contributed to a significant recovery plan.

• Lead development and implementation of Basel-2 ICAAP (CCAR) infrastructure ensuring delivery and contributed to 3 successful audits (SREP) from the central bank (Saudi Arabia Monetary Authority - SAMA).

• Represented Risk Group on internal and external forums on all risk modeling, requirements gathering, & risk strategy coordination.

• Supported GCRO, on governance interactions for portfolio risk policy reviews, quant-modeling interpretations, emerging technology, & regulatory requirements. Contributed to capital, liquidity & strategy decisions on structured products, risk pricing, Funds Transfer Pricing (FTP), collaterals, & counterparty risk appetite.

• Represented Risk Group on designated internal & external forums, especially, Group PMO, Project Steering Committees, Credit Bureau's Modeling Projects on country specific Probability of Default (PD) / Loss Given Default (LGD) standards, Central Bank and IIF working groups, & other advisory committees.

Title: AVP, Senior Risk Manager;

Company Name: Arab Banking Corporation (ABC);

Period: 11/2005 to 08/2008;

Supervisor: Head of Risk Management–Mr. Shakil Hussain; URL: www.bank-abc.com;

Tasks/Achievements:

• Managed group-wide portfolio risk analytics, risk aggregations, economic capital allocations, modeling, & related systems acquisitions / implementations (with IT dept.). Ensured HO oversight of risk control processes for the multi-class consumer, investments, & corporate portfolios (~ USD 36 billion).

• Member of Risk Models Controls Committee, chaired by GCRO & Head of Risk. Contributed to Risk Appetite, ICAAP use tests, Program lending strategies, & third-party vendor selections per country of business.

• Coordinated contributions from various stakeholders for risk pricing, Asset Liability Management (ALM) models & processes, business / asset strategy, making recommendations for FTP, risk adjustments & capital planning. Support Chief Risk Officer (CRO) for quantitative evaluations of complex derivative products, counterparty credit risk evaluations, Project Finance modeling and risk pricing, aircraft finance structuring, Leasing finance products, & other Consumer portfolios for risk appetite limits.

• Contribute to project implementation groups across several countries as Risk Subject Matter Expert (SME) for regulatory standards and model parameter selections. Risk reviews and portfolio risk mitigation recommendations.

• Support CRO & Head of Risk and manage regular portfolio risk reviews and relevant risk training sessions conducted for Business Units / other stakeholders across the Group. Managed documentation of business requirements, modeling reviews, & validations for IT and Audit.

Title: Corporate Finance Specialist / Credit Analyst;

Company Name: Riyad Bank;

Period: 09/2004 to 10/2005;

Supervisor: EVP Corporate Finance, Mr. Allan Lowe; URL: www.riyadbank.com;

Tasks/Achievements:

• Financial modeling, risk pricing and transaction structuring strategy for Project and Infrastructure Finance deals. Introduced and managed risk based pricing assessments and forward-looking analytics at deal level and interest rate risk forecasting models for portfolio level. Total deals participated in: ~USD 18 Billion

• Advisory transaction modeling, asset valuations, and reviews. Key industries and projects included Oil & Gas, Petrochemicals, Fertilizer, Industrial Equipment, Shipping, and Aviation.

• Managed interactions with Risk Management and Credit Committee on financial models, post- audits, & verification from the lending syndicates.

Title: AVP, Senior Credit Officer;

Company Name: United Bank Limited (UBL);

Period: 11/2001 to 08/2004;

URL: www.ubldirect.com

Tasks/Achievements:

• Oversee and approve corporate & program lending within delegated authority. Total loans portfolio under review authority ~PKR 110 Billion (equivalent USD 2.3 Billion). NHZ-Resume-September 2017

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• Managed a team of credit analysts and regional credit officers assuring efficient approvals/portfolio processes including coordination with allocated relationship units.

• Champion CRO’s risk initiatives under Basel-1 & 2 and facilitate implementation of scoring systems, financial spreading tools, and review of collateral management processes.

• Designed and implemented risk monitoring control for UBL's lending program on auto loans, equipment leases, margin finance, and Small & Medium Enterprises ‘SME-working capital-financing’ products across the group.

Title: Financial Analyst - Corporate Finance & Capital Markets;

Company Name: Fidelity Investment Bank Limited;

Period: 06/1999 to 10/2001

Contact: CEO, Mr. Javaid Sheikh;

Tasks/Achievements:

• Developed and recommend asset allocation strategies, valuation modeling, pricing, & financial analyses for several asset classes. Portfolio / Assets Under Management (AUM) for my unit ~USD 118 million

• Key asset types evaluated as part of analyst team: Equities, bonds, Auto Loan Securitization pools, Asset Backed Securities / Mortgage Backed Securities (ABS / MBS), hedge Funds & Fund-of-funds (FOF), Private Equity (PE) & Commercial Real Estate (CRE).

• Support CFO and CEO on assigned projects and deal negotiations.

Title: Country Manager;

Company Name: Kohinoor Brokerage & Asset Management

(A joint venture of Prudential-Bache Securities Singapore); Period: 12/1991 to 08/1998;

Tasks/Achievements:

• Ensure regular operations, business relationships, risk management, & technology infrastructure with P&L responsibility.

• Oversee local hiring and team development. Branch team of 50+ investment & technical professionals.

• Maintained relationships with local regulatory and government entities. Coordinated with HO on issues and solutions.

• Managed High Net Worth Individuals (HNWI) portfolio of ~ USD 18 million. Performed regular global markets

(US, UK, Singapore) reviews using technical and fundamental analyses. Advised portfolio strategies, trade recommendations on Equities, Currencies, Funds and other assets.

NOTE: Took a break from Aug-1998 to May 1999 to complete my MBA and CFA Level 2 studies.

Education

1. MS Data Sciences:

Southern Methodist University (SMU), From 05/2016 to Present (Program ensuing);

2. FRM Certification:

Global Association of Risk Professionals (GARP-USA), From 11/2001 to 11/2002;

3. MBA (Finance):

College of Business Administration, From 05/1997 to 12/1998;

4. Passed Level 1 of the CFA Program:

CFA Institute (USA), From 06/1998 to 06/1998;

5. BA Economics:

University of the Punjab, From 05/1995 to 05/1997;

6. Assoc. Diploma in Computer Science:

National College of Computer Sciences (NCCS), From 04/1990 to 12/1991.

Certificates

7. MIT Fintech Innovation Management, 11/2016 to 03/2017,

URL: www.mitfintech.com, https://www.getsmarter.com/courses;

8. QNB Leadership Program: 01/2015 to 12/2015;

9. UBL Advanced Lending Program to practice

delegated Credit Approval Authority: 03/2003 to 05/2003

10. Industrial Credit & Investments, Bankers Institute of Pakistan: 08/1999 to 09/1999.

Technical Courses for hands-on skills:

• Prior experience (over 3 years): Project Management tools like MS-Projects, Visio, E-views; Troubleshooting analytics models in Excel, C++, SAS & Cognos BI modules, Moody’s rating model development platform, Moody’s Economic Capital modeling platform, @Risk, SunGard-FIS’s Asset-Liability Management & Capital Management (ALM) platform, and other banking and risk management systems;

• Refresher Online Courses taken (in 2015 – 2017) on Programming using R, Python, C++, SAS, SQL, Hadoop, Spark, Solidity/Mist, MATLAB, Octave;

• Coursera’s rendered courses on Machine Learning, Deep Learning, Probabilistic Graphical Modeling, Bayesian Statistics, Sampling Methods and ML applications and data mining;

• Ensuing online / skill based courses:

a. MS Azure Certification;

b. AWS Solutions Architect Certification;

c. Coursera.org - Probabilistic Graphical Modeling Specialization, offered by Stanford University;

d. MongoDB data management and APIs

e. MIT Open Courseware Mathematics – Quantum Computation;

f. CGEIT – ISACA Certification.

Personal Projects

• FinTech, RegTech, GovTech ecosystem research and reviews on competitive strategies; M&A assessments; Deep Learning Predictive Analytics for Mortgage and Consumer Lending Portfolio Management and Capital Optimizations.

• Machine Learning (ML) and Augmented Reality (AR – on HoloLens) enabled DAPs and Bots for financial markets modeling, price forecasting and portfolio management.

• Managing and research on bitcoin and altcoin mining rigs and FPGA / ASIC algorithms.

• Cryptocurrency & quantum-resistant encryption algorithms (03/2014 – Present)

• Multivariate and Lattice Encryption Algorithms

Professional Memberships

• CFA Institute (USA): 08/1997 to Present, Regular Member

• CFA Institute – Dallas Society: 03/2017 to Present, Regular Member

• CFA Institute – Qatar Society: 01/2016 to 05/2017

• CFA Institute – Singapore Society: 06/1998 to 12/2015

• GARP (USA): 01/2003 to Present, Fellow Member

• ISACA (USA): 07/2013 to Present, Professional Member

• Professional Member - American College of Corporate Directors (2017)

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