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Mohammad S. is an experienced Risk Manager currently working at the Investment and Development Office (IDO) in Ras Al Khaimah since November 2021, where responsibilities include managing Investment, Market, Liquidity, and Operational Risk. Additionally, Mohammad serves as a Non-Executive Director at Advicecube, a Governance, Risk & Compliance firm, contributing to overall strategy and compliance oversight. Previous roles include Risk Manager at Tadhamon Capital and an audit-focused career at Ernst & Young, where significant experience was gained in financial services auditing. Educational qualifications include a PRM in Financial Risk Management, ACA certification, and ACCA with a BSC (Hons) in Applied Accounting from Oxford Brookes University.