Dala Ram has more than 17 years of experience in Audit, Governance, Enterprise Risk Management, and Compliance space for various industry sectors covering regulated and non-regulated entities having operations in GCC and international Jurisdictions. Prior to Joining AAA, Dala Ram was heading Risk, Legal and Compliance function for Aafaq Islamic Finance shouldering responsibilities for Chief Risk and Compliance Officer. His previous experience includes Director Risk Management with First Abu Dhabi Bank, AVP Internal Audit National Bank of Abu Dhabi, Audit Manager in KPMG Middle East and Audit Supervisor for PWC Pakistan. He has worked on the areas such as Basel, CRWA assessment, IFRS transitions and implementation of IFRS9, Impairment calculations, ICAAP Assessment, Development of Risk Appetite, Development of Risk and Compliance policies, Sanction Screening, Compliance Risk Assessment for customers, Compliance Due Diligence for customers onboarding, Operational Risk assessment, Risk and Control Self Assessment, new licensing applications with regulators such as DFSA, Compliance and Risk trainings, Statutory and Regulatory Reporting’s, Mergers and Integration of policies, procedures and systems. He is an Associate member of Institute of Chartered Accountants of England & Wales (ICAEW), Fellow member of Institute of Chartered Accountants of Pakistan (ICAP) and Certified in Banking Risk and Regulations from Global Association of Risk Professionals (GARP US). He has in-depth technical knowledge of Accounting and Auditing Standards, Corporate Laws and CBUAE Regulations, AML & CFT Regulations, Basel, IFRS, COSO Framework, FATF, FATCA, CRS etc.