With over two decades of experience in the digital and payment industry, Fernando is an accomplished industry expert with a proven track record of driving growth in high-growth, fast-paced businesses.  Throughout his career, Fernando has navigated the digital and payment industry at all levels, from startups to large corporations. He has held senior leadership roles at reputable organizations such as Lloyds Banking Group, Vodafone Group, Emirates Group, Al Rajhi Bank, and Arab National Bank.

In his role as Chief Digital Officer at ADIB, Fernando is leading the digital strategy & execution across the Group on retail banking, Corporate and Business banking, subsidiaries and international presence.