Ram joined the National Bank of Fujairah as Head of Operational Risk and Compliance in May 2008, where he has been instrumental in the establishment and ongoing management of the Operational Risk Management, Internal Control, Compliance & Anti Money Laundering framework in the National Bank of Fujairah. Ram brings with him 20 years of experience in the banking industry with a strong background of Operational Risk Management & Compliance framework implementation in Banks. Prior to NBF, he served with HSBC for 10 years in Operational Risk, Internal Control, Internal Audit and Banking Operations, and with Al Rajhi Bank for 2 years where he was responsible for the initial set-up of the Bank’s Operational Risk Management framework. He has received various certifications in Risk Management including CCSA (Certificate in Control Self-Assessment from the Institute of Internal Auditors, USA), ACOR (Advanced Certificate in Operational Risk from the Chartered Institute of Securities and Investments, UK) and CISM (Certificate in Information Security Management from ISACA)