Heidi Kamal joined ADIB-Egypt as Chief Risk Officer in 2009. She is responsible for Wholesale Bank Credit Risk along with Operations, Market, ADIB capital, ADI Lease risks, and ADIB Holding. Her banking career began in 1989 as an Officer at the Bank of Credit and Commerce- Misr’s Corporate Bank, Trade, and Customer Service departments. Her professional journey then led her to join Citibank where she held a variety of progressively responsible roles over the course of nearly 15 years before joining the NBD Bank of Dubai/ADIB-Egypt. Her expertise lies in planning business and portfolio strategies based on clear analyses of market conditions and risk assessments. Never resting on her laurels, Kamal firmly believes in ongoing, professional self-development with training, workshops and seminars a top priority for her. Kamal holds an MBA from the Maastricht School of Management, Cairo and a bachelor degree in Commerce from the Ain Shams University in Cairo.