Ahmad Malkawi

As Senior Legal Manager, I lead the company’s legal and compliance functions in Saudi Arabia, delivering strategic legal counsel that enables corporate growth, innovation, and full regulatory compliance within the fintech sector. I oversee contract management, risk assessment, and litigation while ensuring alignment with evolving regulatory frameworks. Key Responsibilities: Provide expert legal advisory on corporate, commercial, fintech, employment, and data protection matters. Draft, review, and negotiate high-value contracts including shareholder, joint venture, and service agreements. Drafted, reviewed, and implemented board meeting documentation and shareholder resolutions to ensure compliance with applicable corporate laws and governance standards. Conduct due diligence and risk assessments to ensure sound corporate governance. Manage external counsel in complex litigation cases, ensuring favorable outcomes. Lead incorporation and restructuring of subsidiaries, ensuring legal and regulatory compliance. Key Achievements: Executed inter-company asset transfer within three months. Avoided regulatory penalties exceeding USD 500,000 through proactive compliance oversight. Recovered over USD 300,000 through effective litigation management. Established new subsidiaries across multiple countries in full legal compliance

At STC, I provided comprehensive legal and regulatory support across corporate, commercial, and compliance matters, ensuring operational alignment with telecommunications, capital market, and competition laws. Key Responsibilities: Drafted, reviewed, and negotiated commercial and regulatory contracts. Delivered comprehensive regulatory counsel to business units to ensure full compliance with the regulatory frameworks and directives issued by CST, CMA, and GAC. Led implementation of new telecom regulatory directives. Supported the legal team responsible for representing STC before government authorities and regulatory committees. Oversaw litigation processes and legal risk assessments. Key Achievements: Contributed to the establishment of Tawal Company, facilitating the legal transfer of telecom towers. Participated in the establishment of STC Pay, ensuring adherence to SAMA’s fintech regulatory framework. Prevented potential fines exceeding USD 5 million through effective compliance management. Managed multiple competition and litigation cases with successful resolutions.

As Head of Legal & Regulatory Affairs, I led all corporate, legal, and regulatory matters, ensuring compliance and operational efficiency while serving as Board Secretary. Key Responsibilities: Drafted and negotiated commercial, franchise, and joint venture agreements. Managed corporate governance, board meetings, and shareholder resolutions. Represented the company before TRC and other authorities. Supervised legal and regulatory teams to ensure performance excellence. Key Achievements: Prevented regulatory fines exceeding USD 600,000. Secured the Vehicle Tracking Services License from TRC. Led the Customer Information Documentation Project, ensuring full data compliance. Managed corporate restructuring and compliance with local telecom regulations.

Served as Legal Counselor, providing regulatory advisory, drafting legal instruments, and supporting national telecom liberalization and sector reform initiatives. Key Responsibilities: Drafted laws, licenses, and regulations governing telecom and IT sectors. Advised TRC leadership on compliance and dispute resolution. Represented TRC in disputes between licensees and beneficiaries. Supported policy formulation, tendering, and legislative development. Key Achievements: Contributed to the liberalization of Jordan’s telecom sector. Drafted regulatory frameworks including Dispute Resolution Instructions, Competition Safeguards, and MVNO Regulations. Designed legal frameworks for Mobile Number Portability (MNP) and TSLRIC+ Cost Models. Proposed arbitration as an alternative dispute resolution mechanism between licensees and the regulator.