A seasoned Digital Finance Expert and Solution Architect with over 25 years of experience, combining a strong executive foundation — having served as CEO and Managing Director of regulated fintech and payment services companies across the Gulf, Africa, and MENA — with an extensive international advisory career delivering donor-funded technical assistance programs for GIZ, KfW, EBRD, EIB, and EU-funded projects. Recognized for expertise in data governance, regulatory framework design, and financial inclusion across fragile and emerging markets in MENA and Sub-Saharan Africa. Demonstrated ability to lead high-level multi-stakeholder engagements with ministers, regulators, donors, and financial sector counterparts, and to translate complex technical and regulatory requirements into actionable institutional frameworks. Active contributor to Lebanon's national digital transformation agenda and sandbox policy design initiatives.