Dr. Farrukh Kidwai, Ph.D.

Operational Excellence Expert

A Guru of ‘Operational Excellence’ & ‘Development of Human Resource Capital’ with extensive experience gained through consulting, training and development services and helped organizations in achieving their goals of ‘Operational Excellence’ by applying Six Sigma methodology in diversified sectors of professions namely Financial Institutions, Insurance, Hospitals, Human Resource and Manufacturing Industries in local and multinational companies in U.S.A., Kingdom of Saudi Arabia and United Arab Emirates. Dr. Kidwai possesses extensive knowledge and expertise in initiating and implementing Value Stream Management, Capacity Analysis, Business Process Re-engineering, 5S, Eight Wastes, Six Sigma, Human Resource Best Practices, Performance Measurement, Key Performance Indicators and Customer Satisfaction Index.

Excellent listening, mentoring, coaching and communicating skills with direct and collaborative leadership style to promote outstanding performance through inspiring shared vision, self-motivation and enhancing processes. Dr. Kidwai has the expertise to revamp the HR set up of any kind of organization from small, medium size to large size organizations with the objective of retention of Human Capital and Customer Loyalty. He has been the mentor of several senior executive available in financial markets.

Dr. Kidwai is a PhD in Industrial Engineering Management, USA; Six Sigma Master Black Belt, USA; Advisory Member, University of Delaware, USA.


Dr. Kidwai

is the author of several publications and worked with leading organizations:

Great Places to Work Institute

King Fahad Medical City

Noor Takaful

Noor Bank

Sharjah Bank

W.L Gore & Associates



Bilal Hasanjee, CFA®, MSc Finance, MBA

Risk Advisory Expert

Bilal Hasanjee is an investment professional with a truly global experience across Europe, Middle East and Asia whilst working with international institutions like HSBC, CIBC, Calyon and Standard Chartered. His expertise comprises of Investment Management and Risk Advisory across Private & Listed Equities, Fixed Income, Debt Capital Markets, Hedge Funds and Derivatives. He has in his arsenal over 1800 hours of professional training, teaching and coaching experience in Europe and the Middle East with well-reputed brands like Financial Times, HSBC, Misys, Wentworth Advisors and Morgan International. Mr. Hasanjee has a rich experience in setting up investment management platforms for 3 large institutions in the Middle East – Banque Saudi Fransi, First Gulf Bank and Aabar Investments. He is also a Brittania Chevening Scholar – a prestigious scholarship he received from the British Foreign Office to study MSc in Finance at City University, London.

With strong investments experience, Mr. Hasanjee is competent across fixed income, equities, funds, private equity, alternative investments and structured products as well in executing large sized investment transactions across Automotive, Aerospace, Infrastructure, Financial Services and Real Estate markets. His strengths include the quality of good decision making on strategy related to new business proposal and presentation to the senior management.


Bilal Hasanjee

has the expertise on the following activities of financial markets:

  • Corporate Finance and Financial Valuation of companies
  • Derivatives & Risk Management analysis
  • Portfolio Management and profitability monitoring
  • Research Methods on investment modules
  • Private Equity and conclusion of transaction
  • Mergers & Acquisitions, Restructuring Risk Advisory on Corporate Finance and Sale Franchise
  • Asset Management valuation and trading
  • DV01, VaR, Duration and Convexity calculation
  • Asset & Liability Management and Interest Rate Trading
  • Assets Securitization (MBS, ABS etc.)
  • Developed Structured products related to Treasury, Investment and Equity
  • Presentation to customer on structured products and relevant risk management
  • Merger & Acquisition on SME and Large size organization with focus on financial valuation and financial risk management
  • Investment Management
  • Real Estate Investment

Yousuf Syed Ali, PMP, CPIM, MBA, M.E (NED)

Project Management Guru

Mr. Ali is an expert with over 20 years of experience in project management, supply change management, contract management, engineering economics decision making. As a project consultant, he has gained extensive knowledge and proficiency in developing and executing project control mechanism from project inception to close out. He specializes in the knowledge about collecting, analysing of scope, schedule and cost data related to EPCM projects. His personal hands-on experience with multinationals in different parts of the world makes him a unique resource in project management and supply change management consulting services and providing turn-key solutions as per the demand of clients.


Mr. Ali

also offers Resource Development in following fields:

  • Diploma in Project Management based on Project Management Body of Knowledge-PMI
  • Preparation of PMP Exam
  • Introduction in Project Management
  • Project Management for Social Sector -UNDP funded
  • Planning & Scheduling Methodologies based on AACE guidelines
  • Diploma in Supply Chain based on CSCP & CPIM Module-APICS Body of Knowledge
  • Supervised study session of CSCP exam preparation
  • Contract Management
  • Engineering Economics Decision Making
  • Principle of Good Management
  • Finance & Accounting

Mr. Ali has the following academic / professional qualification which makes him unique in his field:

  • B.S. Degree in Mechanical Engineering University of Toledo Ohio, USA
  • Master’s in Industrial Management Engineering–NED University of Engineering & Technology Karachi
  • M.B.A. from the Institute of Business Administration (IBA) Karachi
  • PMP-Certified Project Management Professional from Project Management Institute-USA-(PMI)-Number-423988
  • American Society of Operation Management-APICS- Certified CPIM
  • Australian Certified Trainer & Assessor-Certificate IV

Karim Aziz, FCA, AFFM

Finance & Compliance Expert

Mr. Aziz is a PwC Alumni and a proven executive with considerable Finance, Governance and Control experience in the banking industry acquired through various leadership positions over the last 20 years while working with ANZ Grindlays Bank (Pakistan), Standard Chartered Bank (Pakistan), Arab National Bank (ANB), ANB Investment Bank. He is innovative in policy development and ensuring adherence to risk compliance process with an ability contribute at both a strategic and operational level. Mr. Aziz has expertise of launching and formulating the Compliance Governance framework and issuance of Compliance and AML Policies and Procedure Manuals at various organizations. He has been involved in due diligence process while acquisition process of banks in Africa, Far East and Middle East.

He is also successful in fostering a governance and compliance culture across the organization and its affiliated subsidiaries. He has been a speaker and presenter at a number of compliance and operational risk events at the Institute of Bankers in Pakistan and the Bahrain Institute of Banking and Finance, Bahrain. He has held the chair of Chairman of the Banking Committee for Financial Fraud and AML in Saudi Arabia.


Mr. Aziz

has the following key skills:

  • Financial Control
  • Business Strategy
  • Corporate Governance and Compliance Policy
  • Risk Management
  • Banking Products
  • Anti-Money Laundering Policy
  • People Management

Mr. Aziz has been an integral member of the following internal bodies at the organizations he has been associated with: Audit Committee, Compliance Committee, Operational Risk Committee Policy, Procedures and Product Program Approval Committee. Being at senior positions at various financial institutions, Mr. Aziz has been the Head of Treasury Operations, Head of Products & Policies, Head of Legal & Compliance, and Head of Finance at

Arab National Bank

Standard Chartered Bank

ANZ Grindlays Bank



Mohammad Zahid Khan, F Fin:

Treasury & Investment Banking Operations Specialist

Mr. Khan is enjoying with a rich experience of 41 years which he has gained over the period while working with international banks and Financial Markets regulator namely, Citibank, Banque Saudi Fransi, Silk Bank and State Bank of Pakistan.
His area of expertise and immense experience is within the Treasury, Investment, Risk Management, Corporate, Retail and Islamic Banking Operations. He possesses professional qualification such as Post Graduate Diploma in Applied Finance and Investment (finsia), ACI Diploma and Diploma in Project Management.

A&Z Management Consultants is proud to announce that Mr. Khan will be available to us in sharing his knowledge, skills and expertise in our consultancy and project management services to financial markets across the GCC markets.


Mr. Khan

has specialized himself in following domains:

  • All kind of Treasury and Investment activities at front, middle and back office namely, FX, MM, Capital Market, Investment Equity, Hedge funds and Structured Products
  • Corporate, Commercial, Retail and Islamic Banking Operations
  • Accounting and reporting on above mentioned operations
  • Transaction Banking, Cash management and Funding Operations
  • Planning, Budgeting, Economic & Financial Analysis reporting
  • Service Quality Assurance
  • Treasury Compliance Reporting
  • Leadership Skills to develop and motivate the team to achieve the Strategic Objectives of the organization

A&Z Management Consultants is proud to announce that Mr. Khan will be available to us in sharing his knowledge, skills and expertise in our consultancy and project management services to financial markets across the GCC markets.


Mehboob A. Karim, MBA, LLB, DAIBP, CCO

Senior Banking Consultant

Certified Compliance Officer and Senior Banking Professional in the areas of Treasury & Finance, Commercial Trade, Risk Management, Automation and Regulatory Compliance.

Mr. Karim is a proven executive with considerable in-depth practical experience of 35 years in the areas of Treasury, Finance, Accounting, Commercial Trade, Risk Management (Credit and Operational Risk), Automation and Regulatory Compliance. He has held leadership positions in multinational banks namely, and managed the manpower of 5,000 staff placed all over the country.


Mr. Karim

Being innovative in nature, he has been able to bring changes in the following areas of banking operations while holding different senior positions and ensured that BPR is always conducted to have timely evolution in relevant banking operations and contribute to bottom line:

  • Accounts Department
  • Trade Finance
  • Cash and Customer Services
  • Branch, Retail and Corporate Banking Operations
  • Systems and Operations
  • Credit Administration
  • Operational Risk
  • BPR and Restructuring of Banking Operations
  • Merger and acquisition and opening of new branches
  • Accounting, Policy and Procedures
  • Technology upgrade
  • Internal and regulatory Compliance


Banque Saudi Fransi

Emirates Bank International

Saudi Pak Commercial Bank

United Bank Limited

Zarai Tarkiyati Bank Ltd.


Abdullah Marhoun, M.A. Economics

Service Excellence and Loyalty Management

Banking professional with 15 years of experience gained through working in different multinational financial institutions in the GCC region. He has thorough knowledge on basic and advance level treasury products, treasury dealing, middle and back office operations, cash management, payment systems, budget, expense controls and MIS reporting, service quality assurance, plastic money operations, update of policy and procedure manuals and automation of banking operations. Mr. Marhoun is fond of utilizing modern technology in day to day business operations and to eliminate manual processes.

Mr. Marhoun has extensive skills on computer which helps him in achieving the STP in any areas of banking operations.
He is the team leader who inspires his team by setting example on service excellence and loyalty management.


Mohammad Ahmed Khan, MSc

Business & HR Consultant

Ahmed is a Professional Consultant with experience in Human Resource and Business Consulting. He manages the Dubai office for A&Z. Ahmed has gained his experience with top organizations such as the Bank of New York Mellon, Silk Bank and Sidat Hyder Morshed Associates. Ahmed is equipped to assist you in your business establishment, development, research and HR needs.

He gained his Master’s degree in Business and Management from Aston Business School in the UK and an undergratuate from the University of Manchester. Having lived in Saudi Arabia and the UAE, Ahmed is well aware of the culture and society in the region.


Mr. Ahmed

specializes in:

  • Market Research
  • Business Development / Lead Generation
  • Employee Engagement Activities
  • Training & Development
  • Event Management

Please contact Ahmed to discuss your business requirements with A&Z and the team of experts.