Our People


Executive Management

The Executive Management members are actively involved in the daily operations of the organization, keeping in mind the company's strategic growth objectives. They also supervise the implementation of the Board's decisions.


Mohammad Bitar
Deputy Chief Executive Officer

As the Deputy Chief Executive Officer of Al Ansari Exchange, Mohammad Bitar plays a major role in the formulation and implementation of the overall growth strategy of the organization. He has more than two decades of diverse experience in the financial services industry across a broad range of strategy, organization, operations, and information technology assignments. Bitar has previously worked with various local and international firms in the U.A.E, Oman, Saudi Arabia, Egypt and Jordan, including the “National Bonds Corporation”, Union National Bank and Accenture.

He holds a post graduate diploma in Information Technology and Management from Sheffield Hallam University in the UK, and a bachelor’s degree in Electrical Engineering from Jordan University of Science & Technology. He is also certified in investments and wealth management from the Chartered Institute for Securities and Investment.


Ali Al Najjar
Chief Operating Officer

Ali Al Najjar is the Chief Operating Officer (COO) at Al Ansari Exchange.  He is responsible for all operations across more than 200 branches.  Ali is also in charge of executing the company’s growth strategy leading the Business Development and Digital Channels departments.

He is instrumental in providing strategic leadership to support the activities of the portfolio, and managing overall branch and back office operations activities ensuring operational excellence company-wide.

Ali has extensive experience of more than 17 years in operations, cash management, treasury and the foreign currency trade market.

He holds a Bachelor’s Degree in Business Administration, and majored in Accounting and Financial Banking at Al Yarmouk University in Jordan.


Faisal Anwar
Chief Financial Officer

Faisal Anwar is the Chief Financial Officer (CFO), working closely with all functions and assisting in evaluating strategic priorities of Al Ansari Exchange. He leads the organization’s financial growth strategies, budgeting and forecasting, business performance and analysis, systems implementation and tax. In addition to that he leads both Legal and Risk Management functions.

Prior to joining Al Ansari Exchange, Faisal held several key positions at Mattex Group, Majid Al Futtaim, KPMG and PricewaterhouseCoopers. With a proven track record in the UAE, KSA and Pakistan markets, he plays an instrumental role in ensuring the success of strategic and financial initiatives.

A seasoned professional with 30 years of experience in various sectors including financial services, commercial banks, asset management companies, manufacturing and energy.

Faisal is a qualified Chartered Accountant and a member of the Institute of Chartered Accountants of Pakistan since 1997.


Georgette Yousef
Chief Human Resources Officer

Georgette Yousef is the Chief Human Resources Officer (CHRO) responsible for leading on all aspects of Human Resources within Al Ansari Exchange’s portfolio, which consists of over 3000 people across over 200 branches. She works closely with all business functions to ensure our teams develop and thrive, providing expertise in areas of culture and executive coaching.

Prior to joining Al Ansari Exchange, Georgette held the position of Director of Human Resources and Support Service at Amanat Holdings PJSC, a publicly listed company on the Dubai Financial Market (DFM). In this role, Georgette worked closely with the CEO and the senior management team to lead the development and execution of a business and culture transformation strategy that led the way for the organization to become an employer of choice within the GCC market.

Georgette, holds a Diploma in Human Resources Practice – CIPD from Oakwood International, UK.  She brings with her a wealth of over 22 years of experience in the Human Resources sector.  She strongly believes in empowering people to drive excellence from within.


Abdel Hadi Mustafa
Chief Technology Officer

Abdel Hadi Mustafa is the Chief Technology Officer for Al Ansari Exchange. He is in charge of driving digital transformation and operates all aspects of technology presence, driving business process improvement and systems’ implementation.

Prior to joining Al Ansari Exchange, Abdel Hadi led the digital transformation of United Arab Bank and Union National Bank through strategic adaptation and management of IT solutions and banking technology.  He is a technology veteran with over 20 years of valuable experience in IT planning, Quality Assurance, Digital solutions and Business services.

Abdel Hadi holds a master’s degree in Information Systems Management, and a bachelor’s degree in Computer Science from University of Jordan. He is also a certified ITIL and Scrum Master.


Ashraf Moussad Abdel Hafez Ahmed
Chief Corporate Services Officer

Ashraf Moussad is the Chief Corporate Services Officer (CCSO). He is in charge of the company’s network expansion, leasing, projects, procurement, logistics, and facilities management.

In addition to the above Ashraf was leading the Human Capital, Administration and Legal functions of Al Ansari Exchange for the past 8 years prior to this new role.

He is a seasoned professional with almost 3 decades of comprehensive experience in leading strategic human resources management, administration, leasing, quality management and training with prominent some of the conglomerate groups in the UAE, Kuwait, Egypt and KSA such as DAMAS Jewelry, Sharjah Cooperative Society, Corinthia Palace Group and Shamil Group.

Ashraf holds a post graduate diploma in strategic human resource management from the American University. He is a certified ISO auditor and has a diploma in Lean Management.


Sanjay Singh
Head of Compliance & Anti Money Laundering

Sanjay Singh is the Head of Compliance & Anti Money Laundering, leading and managing the regulatory compliance risks of Al Ansari Exchange including functions of regulatory sanctions, regulatory reporting, transaction monitoring, corporate and financial institution on-boarding and long-term relationships with law enforcement agencies and the Central Bank of the UAE.

Sanjay’s former appointments include senior positions in financial institutions like Standard Chartered Bank, First Gulf Bank, First Abu Dhabi Bank and Dunia Finance LLC , where he led the retail banking, corporate and institutional banking, group audit, risk management and governance, and corporate credit risk management.  He has extensive experience managing large teams working across several regions and in all three lines of defense (the business line, the compliance and risk line and group audit line).

Sanjay is a seasoned banking professional with over 34 years of experience. He holds a Master’s Degree in Business Administration, dual Graduate Degrees in Commerce and Law from Premier University, Diploma in Banking and International Regulatory Compliance from Manchester Business School and is a certified Lead Auditor of Business Continuity Management (BS 25999). Sanjay believes in `leading by example’ ensuring everyone is well-positioned to meet the expectations of regulatory compliance and to go the extra miles to keep up with the pace of the ever-changing regulatory and business environment.


Viswanath Ramasubramanian
Head of Internal Audit Department

Viswanath Ramasubramanian heads the Internal Audit Department.  He is responsible for leading the Internal Audit, Anti-Fraud and Enterprise Risk Management services, working closely alongside the leadership team to develop strong governance across the company’s portfolio.

Viswanath has over 25 years of experience in leading internal audit, regulatory compliance, banking operations, governance, risk management, fraud investigation and business advisory services in leading banking and financial services industry spanning across the Middle East & Asia Pacific region.

He is a Chartered Accountant from The Institute of Chartered Accountants of India. He is also a Certified Financial Crime Specialist, a Certified Information Systems Auditor and a Certified Internal Auditor.

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