Muhammad Sharif Ul Arafin

Muhammad Sharif Ul Arafin, CPM, currently serves as the Head of Cash Product Development at Arab African International Bank, a position held since December 2021, focusing on digital strategy implementation and risk management for digital products in the UAE and Egypt. Previously, at ADIB - Abu Dhabi Islamic Bank from May 2019 to December 2021, Muhammad led cash management product development across multiple regions, overseeing customer product commercialization and training initiatives. Muhammad's extensive experience includes roles at Abu Dhabi Commercial Bank, Dubai Islamic Bank, and HSBC, with a background in managing cash solutions and customer relationships, as well as a strong foundational education in business administration and product management.