Moiez Ahmed Usmani is a banker with diversified experience in conventional and Islamic Banking. He has been associated with Bank AlFalah Ltd, contributing to the growth of Islamic banking through his roles. He is currently serving as Head of Shariah Compliance Department at Bank Alfalah.

Mr. Usmani has also served as a trainer at Bank Alfalah, conducting various trainings related to Islamic banking. With more than 20 years of banking experience, his expertise spans Credit Documentation, Credit Operations and Shariah Compliance.

Founding Director, Center for Excellence in Islamic Finance (CEIF), IBA Karachi

Founding Trustee – Ihsan Trust

Mr. Siddiqui holds a Bachelors & Masters degree in Business Administration from Institute of Business Administration (IBA), Karachi with six gold medals. His areas of specialization include Islamic Finance & MIS.

He has over 22 years of rich Islamic banking experience and is being involved in pioneering work in the field of Islamic finance in Pakistan. His major areas of interest are Shariah Compliant product development, Sovereign Sukuk & deal structuring, development of innovative solutions for retail, corporate & consumer banking, formulation of policy guidelines, Islamic banking training, Shariah Audit, applicative research & Islamic financial advisory services.

He holds the post of Senior Executive Vice President & Head Shariah Compliance (SCD) at Meezan Bank and leading one of the largest Research departments in the Islamic banking world with over 30 dedicated team members. He is also the Secretary for Shariah Supervisory Board at Meezan Bank Limited.

He is the Founding Director of IBA Centre for Excellence in Islamic Finance, an emerging global centre for Islamic finance research, academic programs, professional training and industry interaction.

Mr. Siddiqui is also part the Joint Financial Advisors team to the Government of Pakistan for Issuance of Local currency Sovereign Sukuk & Islamic financing transactions and has advised the government in structuring and issuance of Sukuk/Islamic transactions of over US $ 15 billion dollars. He also led the consortium of Islamic banks in Pakistan for the Issuance of 400 BN First & Second Pakistan Energy Sukuk issued by Ministry of Energy, Government of Pakistan

He has served and is also a member of several task forces at the Central Bank level related to Islamic banking products, Islamic banking regulations, governance framework, accounting disclosures and Adoption of AAOIFI Shariah Standards.

He is a frequent speaker & trainer on Islamic banking and has conducted several specialized training sessions & workshops in Pakistan, UAE, Bahrain, Malaysia, Australia & UK.

Mr. Siddiqui was named in the Islamica 500 for 2017 & 2019 as among the 500 of the world’s most prominent and influential personalities who build up and pioneer the Islamic economy and the Halal industry.

Mr. Siddiqui was one of the Founding Trustee of Ihsan Trust and has served as Managing Trustee for Ihsan Trust from its inception till 2022.

As a Shariah Scholar with over 20 years of diverse professional experience, Mr. Hashim Javed brings a unique blend of expertise across Digital Banking, Islamic Finance, Accounting, Taxation, Information Technology, Sales, Customer Service, Corporate Trainings and Consultancy. This multidisciplinary background allows him to approach challenges with a holistic perspective and deliver impactful solutions across various domains.

Currently, he heads the Islamic Conversion at UBL. Prior to this, he has worked at several leading banks including Bank Alfalah, Mashreq Bank, BankIslami, HBL and Meezan Bank where he had been primarily involved in structuring customised shariah compliant financing solutions and developing new products for multiple banking segments alongside working on various special initiatives and projects.

With over 25 years of experience in banking and digital finance, Ms. Rukhsana Narejo currently serves as the Chief of Treasury & Alternate Investments at Raqami Islamic Digital Bank, Pakistan’s first fully digital Islamic bank. In her role, she leads the development of innovative Shariah-compliant financial solutions while overseeing treasury operations, foreign exchange, ALCO, and investment functions. She works closely with the CEO and Board to drive strategic decision-making, liquidity management, and credit rating initiatives aligned with digital banking best practices.

Previously, Ms. Narejo headed the Treasury Division at Sindh Bank, where she managed a balance sheet exceeding PKR 300 billion and implemented FX hedging and liquidity strategies. Her extensive career also includes her work with the Asian Development Bank, where she contributed to the establishment of the Sindh Fund Management House, as well as senior roles at leading asset management firms such as NBP Funds and BMA Capital, specializing in fixed income and portfolio management.

Her deep expertise in treasury, digital finance, financial markets, and regulatory-aligned investment strategies positions her as a recognized leader in modern banking transformation.

Mufti Ehsan Waquar Ahmad is a distinguished expert in Islamic Finance, Business Management, and Operations, with over two decades of experience. He has played a pivotal role in structuring landmark Sukuk transactions, including Pakistan's largest Sukuk for Neelum Jhelum Hydro Power. Currently serving as the Vice Chancellor of Al Ghazali University, he has also served as a member of various committees at the Institute of Chartered Accountants of Pakistan (ICAP) and the State Bank of Pakistan (SBP).

He holds degrees in Traditional Islamic Studies, Business Administration, Economics, and Law, and specializes in Islamic jurisprudence. His unique expertise enables him to align modern banking practices with Shariah principles.

Mufti Ehsan Waquar Ahmad has exclusively served the Islamic Financial Industry, collaborating with prestigious institutions such as the World Bank-IFC, SECP, NBP, ABL, PMRC, Soneri Bank, KT Bank, AGICO, Al Baraka Bank, UBL, Yasaar Ltd (UAE & UK), Minhaj Advisory (UAE), and Arif Habib. He has been instrumental in developing Islamic banking frameworks, including drafting Shariah Standards on Shirkat-ul-Milk, Tawarruq, Commodity Murabahah, Treasury, Trade Finance, and Agricultural Financing Products.

His contributions extend to regulatory development, having worked on the World Bank-IFC Islamic Re-Mortgage Finance project and collaborating with SECP on Takaful Rules 2012. As an academic and trainer, he delivers courses on Fiqh, Hadith, Islamic Banking, Capital Markets, Derivatives, Takaful, and Risk Management.

Mufti Ehsan’s strong communication skills, multilingual proficiency, and rich academic background make him a key figure in Shariah advisory, financial structuring, and Islamic banking education.