Zaid Al Sayed

-Providing day-to-day legal advice and support to all business, commercial, and technology-related legal enquiries, advice, and projects are addressed and responded to in a timely manner. -Draft, review, and negotiate contracts and other legal documents to maximize the company's legal protections while simultaneously minimizing risks. -Produces and regularly updates standardized legal agreements, contracts and standard terms and conditions for the company in compliance with international best practices and applicable legal requirements. -Conducts legal and regulatory due diligence on such products, including identifying risks and mitigants. -Stays abreast of new laws and regulations through continuous legal education, attending professional conferences, and Provides updates to the bank’s Senior Management on new legislation and regulatory developments that may have an impact on the Bank and advises on how to comply with such new legislation and regulations by conducting providing formal and informal training sessions. -Train, develop, and manage a team with direct reporting responsibility, at the same time, providing guidance and coaching to the other team members to achieve the defined goals. - Manage the litigation and the law firms in five different countries in the Gulf. At the same time, handling complex litigation related to insurance, fraud and employment. - Leading and coordinating the legal services provided to the organization: choosing and managing outside counsel, establishing procedures for evaluating the quality and cost of services of outside counsel. - Initiate a clear strategic plan for the consistency of delivery of legal support services to the management and business, especially the ones related to the most complex and sophisticated problems;

- Instrumental in negotiating, analysing, drafting, reviewing, and interpreting various Legal Documents for and on behalf of the Company’s Branches in the Gulf Countries. - Steered operations for the company’s external law firms, directing and evaluating their representations, monitoring their expertise, case handling, and determining appropriate action in all legal contentious matters. Managing external legal expenses, including headcount and outside counsel budget. - Rendered advisory on pre-emption of litigation & alternative cost-effective & speedy settlement of disputes by out-of-court settlements and other legal methods. - Maintained an organised and efficient filing, recording and legal reference system to facilitate the retrieval of information - Attended to various assignments delegated from the Regional General Counsel from time to time, and to EMEA and Home Office Legal Affairs and other concerned Home Office functions. Monitoring the region’s adherence to corporate legal policies and procedures - Managed all Legal Affairs relating to the company’s operations (UAE, Oman, Bahrain, Qatar and Kuwait), provided Legal Guidance to all business units in the Gulf. - Maintained an organised, efficient filing, recording & legal reference system to facilitate the retrieval of information and prepared departmental reports and correspondences - Instructed External Counsel to act on behalf of the company on any given legal matter, followed up on the company’s Litigation matters. - Interacted with Government Depts. & Agencies on various Regulatory Matters such as Proposed Laws, Regulations & Government Policies in relation to the company’s activities, as well as provided legal advice and revisions to the company’s internal policies and procedures. - Reviewed the company’s products and insurance documents to comply with applicable local laws & regulations and interacted with the regulators to acquire approval for the products/ policies.

Actively participate in meetings and projects with the other legal committee members to: - Discuss the legal issues related to the insurance industry in the UAE - Review the draft regulations shared by the CBUAE and provide an opinion before sharing the draft with the industry. - Suggesting new regulations to the CBUAE that protect the interests of insurance companies and the industry.

- Providing legal advice and support to the business while keeping in mind the bank’s strategic and business objectives. - Providing direction and guidance to facilitate the bank’s compliance with all applicable international and domestic laws, rules, and regulations. - Develop, streamline, and implement policies and processes to better manage legal risk in the concerned business or jurisdiction and collaborate with the Head of Legal to establish, disseminate, and implement the bank’s legal policies - Supports the digital transformation of the bank. - Drafting, reviewing and negotiating contracts and documentation relating primarily to Corporate & Banking Facility Agreements, Finance Security Documents and Commercial Arrangements including: Credit Facility Agreements, Pledge & Mortgage Agreements, Services Agreements, Supply Agreements Escrow Trust Account Agreements, all types of Letters of Credit, Bonds and Guarantees to maximize Bank’s legal protections whilst simultaneously minimizing risks. - Assists the business in launching new products and conducts legal and regulatory due diligence on such products, including identifying risks and mitigants. - Stays abreast of new laws and regulations through continuous legal education, attending professional conferences, and Provides updates to the bank’s Senior Management on new legislation and regulatory developments that may have an impact on the Bank and advises on how to comply with such new legislation and regulations by conducting providing formal and informal training sessions.

- Responsible for drafting, reviewing, and negotiating contracts and legal documentation for the Arab Bank Head office and Arab Bank Affiliates such as International Islamic Arab Bank, Arab Bank Investment Group, and all other Arab Bank Branches in the Middle East. - Partnered with cross-department colleagues to investigate and resolve legal disputes. - Ensure compliance with applicable laws, regulations, the bank’s internal policies and procedures - Oversee all litigation and claims concerning contracts and services, minimize liability, and protect the bank’s interests. - Provided regular updates and reports to senior management concerning claims affecting the bank and its affiliations. - Coordinated with the corporate accounting department to resolve any material breaches, offsets, bankruptcy, and lien issues. Advised senior management, including recommendations for the resolution of litigation/claims.

Member / Legal Committee, on behalf of Arab Bank in the National Payment Counsel at Central Bank of Jordan

- Suggesting legal recommendations for updates and improvements to systems and policies, based on regulations and applicable laws. - Drafting and reviewing agreements with different organizations, for example, the deal between Amman Stock Exchange and the Dubai Stock Exchange - Interacting with clients directly, answering enquiries, giving legal opinions, and providing investment advice. - Responding to all judicial authority inquiries. - Managing and completing the official Inheritance Transfers for Stocks - Monitoring and controlling all stock transfers and auditing all related legal documents, including family transfers, dividing joint securities ownership transfers, religious donation transfers, government monetary acquisition transfers, and transfers due to court decisions - Authenticating and releasing lien, pledge, and “freeze” restrictions upon deposited securities - Validating client identification and establishing investor accounts on the depository’s database

- Representing clients in property and real estate disputes - Registering companies, patents, trademarks, and copyrights - Obtaining trade and investment licenses for local and foreign companies - Litigating in contracts, construction, and insurance - Effectively litigating before the Conciliation and First Instant Courts in Jordan (i.e., representing various clients who file claims against Banks) - Drafting pleadings, contracts, articles, memoranda of associations, and other legal documents needed for companies and the board of directors. - Managing various legal negotiations - Providing advice concerning Jordanian laws, especially in the field of labor law