I established EVOLVE - a Management Consultancy practise - because I firmly believe that an organisation's ability to achieve excellence is ultimately governed by it's investment in it's greatest asset: it's people.

My objective is to achieve optimal change through the transfer of skills, knowledge & expertise thereby encouraging and facilitating the development of both people & the organizations they work in by:

• Building and maintaining effective advisory relationships with clients

• Designing & implementing interventions (management development, monitoring & evaluation, organizational audits, project management and other business areas) which contribute to improved client performance by applying exceptional problem-solving & decision-making abilities

• Conceiving and directing major strategic & operational change management programs

Providing a wide spectrum of training in business improvement, communication, leadership, supervisory management, and professional development areas

• Designing customized training to support an organization’s business needs, writing training manuals and books, and designing questionnaires & surveys for various needs

• Facilitating to make teams more successful and meetings more efficient whether by creating a vision, conducting a focus group, planning for the future or solving problems

• Coaching individuals at the management and executive level in addition to conducting team building interventions

• Portfolio Management of $15m Equity Investments in Kuwait, the GCC & Morocco including all Economic & Corporate research, Investment Recommendations & Trading

• Establishing IIC2 (an offshore investment company in the British Virgin Islands)

• Evaluation of the performance of Equity Funds in the GCC & identifying investment opportunities

• Interpretation & recommendation of equity investments based on both Fundamental & Technical Analysis

• Assisting on PADICO's overall Investment Policy & Procedures

• Delivering presentations to the Investment Committee on the Global Economy, GCC Economy & recommending investment strategy on regional markets

Established the new organizational structure and functions of the Marketing Dept. (inc. defining goals, job descriptions, responsibilities, authorities & quarterly performance management system for marketing department employees and design & implementation of effective Policies & Procedures based on Best Practices)

Formulated Marketing Strategies & Action plans in accordance with overall Corporate Strategy & followed up on the subsequent implementation & evaluation of the following marketing activities: Market Research & Planning, Product Development & Launch, Product Management, Product & Services Quality Assurance, Advertising, Branding & Image Building (via Advertising Agencies)

Prepared, monitored & controlled the bank’s Annual Marketing Budget ($2.25 million) including involvement in setting the quota & incentives for branches

Prepared for new product launches (including advertising, sales & promotional strategies, product pricing, cost / benefit analysis, training of employees etc.)

Coordinated Marketing Campaigns with Advertising agencies, Head Office management, 49 Branches, 61 Sub-agents (other banks & foreign exchange companies), strategic business partners where applicable for the various products & services

Developed strategic business relationships leading to higher market visibility and expanded business opportunities (e.g. with local companies to build strategic alliances, with sub-agents and with International Partners such as VISA, American Express & Western Union)

Prepared feasibility studies for establishing Customer Service Centres at 3 locations in Jordan in addition to planning & executing a comprehensive communication plan for this new service and monitoring & evaluation of service quality issues over the past 2 years

Designed & developed training tools & techniques for training & coaching of marketing and front office staff (>250 employees) at 49 branches over a 5 year period in topics including:

1. Strategic Marketing in Financial Institutions, 2. Customer Services Excellence. 3. Marketing of specific new products (including Savings Accounts, VISA Revolving Credit, Housing Loans), 4. Communication skills, 5. Sales techniques , 6.Creativity using the Six Thinking Hats, 7. Leadership & Management Skills

Identified financial, operational, implementation, branch management & marketing issues during 21 branch visits & meetings in Palestine (inc. 3 Islamic Banking branches)

Prepared & implemented an action plan to resolve the highlighted problems based on Head Office priorities

Identified weaknesses in the cycle of product development, launch & follow-up and the lack of proper functioning of the Marketing Department in Jordan and activated a remedial Action Plan

Established CAB’s Y2K status by identifying associated technical issues & business risks and prepared a Y2K Strategic Plan which mitigated risks by researching & remaining constantly updated on sources of best practice & international standards

Steered a Y2K Committee comprised of: CAB’s IT Consultant, CAB’s Legal Consultant, Retail Credit Manager, Corporate Credit Manager, Inspection Manager, Computer Support Assistant Manager, Automation Assistant Manager and established the roles & responsibilities

Ensured efficient Y2K Project Follow-up and effective management & utilization of available resources via regular meetings, timely reporting of issues, adherence to deadlines, allocation of tasks, monitored status & project performance, resolved issues promptly & regularly updated management

Designed & implemented the following detailed Action Plans: Communication Plan, Vendor Management Plan, Credit & Investment Portfolio Risk Mitigation Plan, Legal & Insurance Plan, Renovation & Testing Plans, Regulatory Reporting Plan to the Central Bank of Jordan & External Auditors, Contingency & Implementation Plan

Coordinated the renovation process: (Established upgrade versions & quantities required, requested software proposals, received quotations, obtained management approval for purchase, & supervised the installation on test system, conducting of testing (trial) and qualification of the upgrade)

Prepared a Y2K Budget & provided an assessment of additional human resources & their roles, identified & evaluated cost effective alternatives when possible

Monitored the implementation of Mission Critical Systems and Priority Systems in Jordan & Palestine to ensure that any post-implementation issues were addressed promptly

Set the scope for Y2K Contingency Planning measures & monitored implementation: (Critical Computerized Banking Systems & Operations, Critical departments, designed Departmental Contingency Plan Methodology and assigned department head as responsible for creating departmental contingency plan)

Regularly conducted one on one Training Needs Assessment for the SBDC entrepreneurs and provided in-class & on-the job training accordingly

Design & development of Starting & Staying training materials using presentation software & conducted training sessions over a 2 year period

Conducted training evaluation based on the feedback from attendees & their ability to implement the new skills acquired

Provided coaching & mentoring to the business owners & their employees

Feasibility & viability review of business plans for prospective clients and determination of the financing requirements

Assisted clients in preparing a practical & realistic business plan to start or expand their business

Coordinated with the donor agencies via monthly reporting & meetings to evaluate the programme status

Conducted business analysis, monitoring, evaluation & follow-up of the existing client base

Evaluated the socio-economic impact of the business on the household (qualitative & quantitative factors)

Review of poverty & socio-economic factors for Jordan viz a viz the successful experiences of implementing micro-finance projects in India & Alexandria (Egypt)

Design & presentation of SBDC’s Objectives & Activities at public events

Participation in the QAF newsletter & design of promotional leaflets for SBDC

Financial Services & Loan Management:

o Developing & implementing a credit program according to Micro-Finance Best Practices

o Establishing loan management procedures & managing the loan portfolio system


o Management of the OSCD / Small Business Development Centre’s (“SBDC”) Revolving Loan Fund (JD 1.5m) & preparation of Bank Reconciliations

o Establishing accounting records for clients & preparing financial statements


o Legal correspondence & liaison with the Lawyer for recovery of doubtful debts

Planned the audit of an Investment Bank using newly introduced Arthur Andersen software

Supervised & reviewed the interim audit work carried out by the audit team & issued Management
Controls Report in Arabic & English

Advised in the commencement of a filing of an Initial Public Offering by a client with NASDAQ.

Performed > 100 organizational reviews & diagnostic assessments (including all functional departments within the organisation) for small to multi-national companies as part of the audit process over a 5 year period & provided relevant business advisory services on an as needed basis

Strategic & detailed planning, risk management, control & completion of audits for small, medium & large size clients including:
- Car Dealership - (Dutton Forshaw – LandRover Dealerships)
- Software Consultants and Distributors
- Service Software, Consultancy & Training Services – (SAP)
- Food Distributors
- Computer Hardware Peripherals Manufacturers – (Hewlett Packard)
- Rubber Manufacturer
- Luxury Housing Construction Company
- Pharmaceutical Distributor - (Sterling Winthrop)
- Planning & completing audits for several new clients, which was invaluable experience
- Unit Trusts for a blue chip Insurance Company & Pension Funds (Investments)

Reviewed Business & Accounting Systems in order to identify areas of strength & weakness and advised on commercial improvements and issued practical management & internal control recommendations

Managed, coached & evaluated the performance of a team of at least 3 assistants & seniors on multiple assignments for different clients at the same time

Preparation of Statutory Accounts in accordance with UK Accounting Standards & Companies Act 1985 & preparation of Tax Computations & preparing bank reconciliations / VAT returns

Running Administrative Receiverships which involved: dealing with creditors, disposing of stock & fixed assets, managing the cash funds as well as the accounting transactions and assisted in the compilation and completion of Bank Reports

Preparation & posting onto an automated accounting system the accounting transactions of companies in Administrative Receivership and managing the cash funds of the companies ensuring that they were well invested and paying suppliers utilised post-receivership

Marketing work for Management Consultancy Services inc:
(a) Research into potential client targets for audit and/or consultancy services
(b) Research into specific industry attributes for the pharmaceutical & the electronics industries

Audit & Business Valuation for Sterling Winthrop prior to its acquisition by Smith Kline Beecham