Umair is the Group Chief Operating Officer for Habib Bank AG Zurich (HBZ). Prior to HBZ, he has been working for National Bank of Kuwait, Barclays, Citibank and United Bank Limited in COO roles, managing diverse areas such as Operations, Technology, Project Management, Operational risk, Service & Quality, Administration etc. Throughout his career, spanning 24 years, he has successfully delivered major change management initiatives, transforming operating models, improving customer service, strengthening controls and building operational efficiencies using process improvement frameworks and technology enablement. He has also been a trainer and facilitator for many years. Umair is a graduate of Sloan Fellows Program in Innovation & Global Leadership with an MBA from Sloan School of Management at MIT.