Ajmal Bhatty is CEO of Tokio Marine Middle East, and a promoter and developer of Takaful with over 30 years of global insurance experience. Previously, he has held C-level and senior management positions with HSBC, Arab Insurance Group, Takaful International Bahrain and Alinma Tokio Marine Saudi Arabia. He has pioneered research in Takaful, working with government regulators in several countries as well as standard setting bodies such as AAOIFI and IFSB. He has worked with Insurance and Takaful Regulators in the UK, Bahrain, Brunei and Malaysia, and has been advisor to the Bahrain Monetary Agency’s insurance department on takaful. He worked as member of special international committee of Islamic Development Bank and Bank Negara Malaysia to develop and promote takaful amongst the members of Organization of Islamic Countries. He has keen interest in Micro-takaful and supports its development around the world.