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Hayat Karam is a skilled consultant at Capital Banking Solutions, where tenure began in September 2022. Prior to this role, Karam served as Assistant Head of SME at Creditbank SAL from February 2019 to September 2022, and as Senior Corporate Account Officer at the same institution from February 2008 to January 2018. Karam holds a Master's degree in Finance from the Lebanese University - Faculty of Business and Economics.