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Submission: On November 15 via api from US — Scanned from DE
Submission: On November 15 via api from US — Scanned from DE
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<h1 id="pageh1" class="text-white"> Board of Directors </h1>
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<h2 class="sub-banner-title" id="sbt1">To help build individual and commercial financial plans that will catalyze Turkey's success</h2>
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<h3>Ömer A. Aras</h3>
<p>Chairman</p>
<p>Dr. Aras graduated from the Academy of Economic and Commercial Sciences, Department of Economics, in 1975. He received an MBA in 1978 and a PhD in Business Administration in 1981 from Syracuse University. Over the next
three years, he was a faculty member at the Business Administration Department of Ohio State University, and worked as a consultant. Between 1984 and 1987, he served as Credit Marketing Manager and Credit Committee Member at
Citibank, and worked as the Head of Yapı Kredi Securities. Dr. Aras participated in the founding of Finansbank A.Ş in 1987, and served as Assistant General Manager for two years and as General Manager for six years and as an
Executive Board Member of Finansbank A.Ş and Vice Chairman of Fiba Holding from 1989 to 2006. Between 2003 and 2007 he held the Board Member position in TUSIAD (Turkish Industrialists' Businessmen's Association). Mr. Aras served
as Vice Chairman of Finansbank A.Ş. and Group CEO of Finansbank A.Ş Group of Financial Companies (FinansLeasing, QNB Finansinvest and QNB Finans Asset Management) between 2006 (November) - 2010 (April). Dr. Aras
was appointed as Chairman in April 2010.</p>
<h3>Yousef Mahmood Hussain Naama Al-Neama</h3>
<p>Vice Chairman</p>
<p>Mr. Al-Neama received his bachelor of science degree in Aviation Management from Florida Institute of Technology in 1989. He is also has a diploma in Business Administration from Glamorgan University (Wales) in 2004. Prior to
joining QNB, Mr. Al-Neama worked as an Executive Manager International & Institutional Banking in Doha Bank between 2003 and 2004. After he joined QNB in 2005, he served as various posions at QNB such as Executive Manager in
Corporate Products Marketing, Executive Manager in International Banking. Following his duties, he was appointed as a CEO of QNB Syria between 2010 and 2011. In 2013, he served as a General Manager of International Business
division through the year. Mr. Al-Neama served as a General Manager of Group Corporate and Institutional Banking at QNB between 2014 and 2019. He is currently the Executive General Manager of Group Chief Business Officer at
QNB. As of May 2019, he serves as a Member of the Board of Directors of QNB.</p>
<h3>Adel Ali M.A. Al-Malki</h3>
<p>Member of the Board of Directors</p>
<p>Mr. Al-Malki holds a bachelor’s degree in Computer Information Technology from Qatar University in 2001. (Doha, Qatar) He started his carreer in QNB in 2003. He served various positions since 2003 at QNB. He served as a System
Analyst between 2003 and 2005 following that he also serves as an Executive Manager Develepment & User Services and Assistant General Manager Development & User Services between 2007 and 2010. Mr. Al-Malki has been a
General Manager Group Information Technology of QNB since 2010. As of May 2019, he serves as a Member of the Board of Directors of QNB.</p>
<h3>Ramzi Talat A Mari</h3>
<p>Member of the Board of Directors</p>
<p>He joined QNB in 1997 from Jordan Bank and is the current General Manager and Chief Financial Officer. He completed the Certified Public Accountant Examination from the State of California, USA and holds Master's Degree in
Accounting from USA. Currently, he is a board member at Housing Bank for Trade and Finance (Jordan), QNB ALAHLI S.A.E. (Egypt), QNB Capital LLC, Qatar International Holding LLC.</p>
<h3>Noor Mohammad Al-Naimi</h3>
<p>Member of the Board of Directors</p>
<p>She joined QNB in 2000. Held various positions in the Treasury Operations and Control Division until becoming Assistant General Manager Treasury Operations Trading & Investment. <br> On 2014 she was appointed as Acting
General Manager Group Treasury. She had a bachelor's degree from Qatar University from Business Administration.</p>
<h3>Fatma A Al-Suwaidi</h3>
<p>Member of the Board of Directors</p>
<p>Ms. Fatma Abdulla Al-Suwaidi joined QNB in 2000 and, with over 20 years of banking experience, she currently serves as its Group Chief Risk Officer, having previously been Head of Credit Administration (2012-2013) and Assistant
General Manager - Group Credit (2013-2018). In addition, Ms. Al-Suwaidi is currently the President Commissioner of QNB Indonesia.</p>
<p>Ms. Fatma Abdulla Al-Suwaidi has a BSc in Accounting, a Master's Degree in Business Administration (Qatar University) and MSc in Risk Management (University of New York), and a Juris Doctor Degree (Hamad Bin Khalifa
University). She holds a particular interest in banking innovation and is in the advanced stages of completing a Doctorate in Business Administration from Grenoble University, France, on the subject of "Innovation in Banking and
Financial Market", focusing on crypto currencies.</p>
<h3>Esel Çekin</h3>
<p>Member of the Board of Directors</p>
<p>Esel Çekin has been Executive Director of the Harvard Business School MENA Research Center since it opened in 2013. She manages the School’s research activities in Turkey, the Middle East, North Africa and Central Asia. With a
degree in economics from Boğaziçi University, she went on to earn her PhD in the same field from the City University of New York Graduate School. She also completed the Advanced Management Program at Harvard Business School. Ms.
Çekin started her career as a consultant at Bain & Co. Management Consultancy in their Istanbul office. In 1999, she joined Boyner Holding, Turkey’s largest non-food retail group, as Vice President of Strategy and Business
Development. From 2004 to 2009, she served as Chief Executive Officer of Beymen, Boyner Holding’s luxury department store chain. Prior to taking on the director position at the MENA Research Center, she served as Executive
Director of the Graduate School of Business at KoçUniversity. Çekin is a board member at Migros Ticaret, one of Turkey’s biggest food retailers, since May 2020 and a board member at Coca Cola İçecek, the Coca Cola Company’s
bottler in the region (Turkey, Pakistan, Kazakhstan, and so on), since 2022. She also sits on both companies’ corporate governance committees.</p>
<h3>Ali Teoman Kerman</h3>
<p>Member of the Board of Directors and Chairman of Audit Committee</p>
<p>Mr. Kerman received his graduate degree in Economics from University of Hacettepe in 1980 and post graduate degree in Project Planning and National Development from University of Bradford, UK, in 1982. He began his career at
the Turkish Treasury Undersecretariat where he held several positions, including General Manager and Deputy Undersecretary. During his career at the Undersecretariat of Treasury, he served as Deputy Economic and Commercial
Counsellor at Washington Embassy and Acting Executive Director of Asian Development Bank, Philippines, for three years in each position. In 1997, he resigned from Treasury Undersecretariat and was appointed as a
Deputy Director of Turkish Eximbank. Same year, he returned back to the Treasury as Director General for Insurance. In 2000, he was appointed as the Vice President of the newly established Banking Regulation and Supervision
Agency (BRSA). He also served as a Board Member of Savings Deposit Insurance Fund (SDIF). After having served in both positions for three years, he was appointed as Advisor to BRSA Chairman in 2004. He also served as Chairman of
the Board in Toprak, Generali and Ege Insurance Companies on behalf of SDIF. Mr. Kerman retired in 2005 and set up KDM Financial Consultancy Company. He also served as CFO of Yapkim Yavuzlar Plastik A.Ş. for five years
until 2014. He has been board member of Finansbank A.S. since April 2013. Finally, Mr. Kerman was appointed as Chairman of Finansbank A.Ş Audit Committee in May 2014.</p>
<h3>Durmuş Ali Kuzu</h3>
<p>Member of the Board of Directors and Audit Committee</p>
<p>Mr. Kuzu, Ph.D., has been a member of QNB Finansbank Board of Directors since 2016 with the deep knowledge and experience he gained in the banking and finance sector, where he worked for many years as a banker and supervisor.
Within the same year, he was assigned as the member of the Bank’s Audit Committee which is responsible for the efficient running of internal systems, risk management, compliance and internal control units. He completed his
master's degree in Business Administration at the University of Illinois in the United States in 2008 and received his Ph.D in the field of Accounting and Finance at Başkent University in 2018. Until today, Mr. Kuzu, Ph.D has
taken charge in many national and international committees, acted as a state representative in BASEL and FSB Banking Committees, worked as FSAP country coordinator, carried out studies concerning banking-finance regulation and
audit practices of various countries such as the USA, England as well as European Union, attended various seminars and conferences. In addition to his book publications, his articles and papers were published in magazines and
discussed at various conferences. He lectured at universities. He is currently a member of the Board of Directors of TMA Turkey and Foundation of Sworn Bank Auditors.</p>
<h3>Temel Güzeloğlu</h3>
<p>Member of the Board of Directors</p>
<p>Born in 1969, Mr. Güzeloglu has BSc degrees from the Electrical and Electronics Engineering; and Physics Departments of the Bosphorus University. Güzeloglu was later entitled to an MSc degree from Northeastern University,
Electrical and Computer Engineering and an MBA from Bilgi University. Before joining Finansbank A.Ş Güzeloglu worked in McKinsey & Co., Citibank and Unilever in various positions. Güzeloglu worked as the Executive Vice
President responsible for Consumer Banking till August 2008. He then served as Executive Vice President responsible for Retail Banking and Member of Management Committee until April 2010. Mr. Guzeloglu was appointed to General
Manager in April 2010 and served until January 2022. He has been working as a member of the board of directors since then.</p>
<h3>Ömür Tan</h3>
<p>Member of the Board of Directors and CEO</p>
<p>Born in 1971, Ömür Tan graduated from Ankara Atatürk Anadolu College. He completed his undergraduate study at the Statistical Department of Hacettepe University and MBA Degree at Bilgi University. Tan began to work at Yapı
Kredi Bankası as a Management Trainee in 1995 and joined Finansbank A.Ş in 1998. After taking various roles in Corporate Branches, he was assigned as Corporate Branch Manager, Head Office Key Account Senior Vice President and
then, Corporate Banking Senior Vice President. As of 2011, he acts as the Executive Vice President for Corporate and Commercial Banking, together with the functions of Project Finance and Cash Management and Foreign Trade
Financing. He was appointed as the General Manager of QNB Finansbank as of January 2022. Ömür Tan is also a board member of QNB Finansleasing, QNB Finansfaktoring, QNB Finansinvest and QNB eFinans.</p>
<h3>MANAGEMENT & EXECUTIVE VICE PRESIDENTS</h3>
<h3>Adnan Menderes Yayla</h3>
<p>Executive Vice President, Financial Control and Planning</p>
<p>Born in Ankara in 1963, Yayla graduated from the Economics Department of the Faculty of Political Science of the Ankara University in 1985. He did his MBA at the University of Illinois at Urbana-Champaign from 1992-1994. He
worked for the Ministry of Finance as an Assistant Auditor and Auditor from 1985-1995; for the Privatization Administration as a Project Valuation Division Chief from 1995-1996; for Price Waterhouse Coopers as a Manager, a
Senior Manager, and a Partner in their Istanbul and London offices from 1996-2000; and for the Türk Dış Ticaret Bankası (Fortis) as the Executive Vice President in charge of the Financial Comptrolling Group and Risk Management
from 2000-2008. He joined Finansbank A.Ş on 20 May 2008 as an Executive Vice President and the Group CFO. He has been a Member of Management Committee of Finansbank A.Ş and the Group CFO since August 2008. As of October
2013, he holds the title of Vice General Manager for Financial Control and Planning, as well as Group CFO.</p>
<h3>Ahmet Erzengin</h3>
<p>Head of Internal Control and Compliance</p>
<p>Mr. Erzengin received his bachelor’s degree at the Public Administration Department of the Middle East Technical University. He worked for the Pamukbank from 1988 to 1993. He joined QNB Finansbank A.Ş. as the Regulations
Manager in 1993. In 1996, he was appointed the Head of the Operations Group to manage the operations of the branches and the headquarters. He served as the Head of Operations in operations center from the establishment of the
operation center in 2001 to the end of 2005. In early 2006, he supervised the establishment of the Compliance Division and he served as the Head of Compliance until September 2012. By that date he took also the
responsibility of Internal Control Department and Mr. Erzengin has been working as the Head of Internal Control and Compliance Division ever since.</p>
<h3>Ali Yılmaz</h3>
<p>Chief Legal Officer-Executive Vice President</p>
<p>Yılmaz graduated from İstanbul University Law School. Active in business since 1996, Yılmaz received his finance education at University of Toronto in 2000. With an MBA from Koç University, he started his banking career at
Dışbank in 2002. He served as Director of Legal Affairs at Fortisbank A.Ş. and as a member of the Board and Legal Counsel at Societe Generale Turkey. Yılmaz joined QNB Finansbank A.Ş in 2016 and has been acting as Chief Legal
Counsel since May 2018.</p>
<h3>Burçin Dündar Tüzün</h3>
<p>Executive Vice President, Corporate and Commercial Credits</p>
<p>Tüzün completed her undergraduate study in Civil Engineering at the Engineering Faculty, Middle East Technical University in 1997 and her Master’s in business administration at Bilkent University Business Administration Faculty
in 1999. She started her banking career as assistant auditor at Finansbank A.Ş. Internal Audit Department in 1999, joined Corporate Credits Allocation Department in 2005 and served as corporate credits manager, division manager
and department manager. She was appointed Corporate and Commercial Credits Director responsible for Corporate, Commercial and Structured Finance Credits Allocation in 2016. Tüzün additionally took Credits Monitoring and
Financial Institutions Credits Management responsibility in 2018. She has been appointed as Corporate and Commercial Credits Executive Vice President since December 2019.</p>
<h3>Cenk Akıncılar</h3>
<p>Executive Vice President, Human Resources</p>
<p>Born in 1973, Akıncılar graduated from the Mathematics Department of the Faculty of Science and Literature at Eskişehir Anadolu/Osmangazi University in 1996. He served as a mathematics teacher for 3 months. He worked as the
Senior Officer responsible for Salary and Industrial Relations at Human Resources Department of Pamukbank between 1998 and May 2003. He joined QNB Finansbank in May 2003. He worked as Human Resources Assistant Manager
responsible for Recruitment, System Development and Projects; manager of the Organizational Development, Performance, Strategic Reporting and Revenue Management, Employee Rights and Systemic Authorization Management, then became
division manager of Human Resources Management Systems and Revenue Management, Employee Rights and Systemic Authorization Management Department. Akıncılar was assigned as the Director of Human Resources in July 2018, and has
been appointed as Human Resources Executive Vice President since January 2019.</p>
<h3>Cumhur Türkmen</h3>
<p>Executive Vice President, Enpara.com</p>
<p>Born in 1976, Türkmen has BSc degree from the Mathematical Engineering Department of Yıldız Technical University and MBA Degree from Bilgi University. He began his career in 1997 as a Software Engineer in Sabancı Holding. He
joined QNB Finansbank in 2000 and worked as a Software Engineer and Project Manager at IBTech A.Ş., a technology subsidiary of QNB Finansbank until 2010. He became the manager of Business Development and Strategy Office of QNB
Finansbank in 2010, Group Manager of CEO Office in 2012 and Director of Digital Banking at Enpara.com in 2015. Being one of the founding executives of Enpara.com, Cumhur Türkmen continues his role as Executive Vice President in
Enpara.com since July 2018.</p>
<h3>Derya Düner</h3>
<p>Executive Vice President, QNBEYOND-Innovation and Entrepreneurship</p>
<p>Born in 1980, Düner graduated from the School of Engineering at Bogazici University with a Bachelor of Science degree in Industrial Engineering. Between the years 2003 – 2006 at Mercedes Benz and between 2006 – 2007 at Pfizer,
she undertook several positions in the fields of marketing, project management and strategy. In 2007, she joined QNB Finansbank as a Manager in Retail Banking. Following various responsibilities, she acted as one of the founding
executives of Enpara.com throughout its set-up. After Enpara.com’s launch in 2012, she worked as the Director of Customer Management. In 2015, in addition to her existing responsibilities, she launched and ran the Customer
Experience Management Office of QNB Finansbank. In January 2018, she founded QNBEYOND, the Innovation Department, and ran the department as the Director responsible for innovation. Düner continues her role as the Executive
Vice President at QNBEYOND since January 2020.</p>
<h3>Engin Turhan</h3>
<p>Executive Vice President, ME and Commercial Banking</p>
<p>Born in 1980, Turhan received his bachelor's degree in Economics at the Faculty of Economics and Administrative Sciences, Marmara University and holds a master's degree in International Political Economy and Management. He
began his career in the MT (Management Trainee) program at Finansbank A.Ş. in 2003. After having worked in various divisions of the Loans Department till 2005, Turhan transferred to Project Finance where he held positions of
specialist and manager in Project Monitoring, Project Appraisal, Corporate Finance, and Syndicated Loans divisions. Following his assignment in 2012 as the Group Manager of Corporate Banking Structured Finance and Syndicated
Loans, he was appointed as the Director of Corporate Derivatives Sales in 2014. Commercial Banking was added to his existing duties in 2015 and as of June 2016, he took on the position as the Executive Vice President in charge
of Commercial Banking and Project Finance. As of January 2022, he continues to act as the Executive Vice President in charge of ME and Commercial Banking, together with the functions of Cash Management and Foreign Trade.</p>
<h3>Enis Kurtoğlu</h3>
<p>Executive Vice President, Retail and Private Banking</p>
<p>He has BA degree from Electrical and Electronics Engineering Department of Bogazici University and completed his MBA in University of London. He was the Marketing Director in Citibank Turkey between 1999-2002 and worked in
several managerial positions in Citibank London between 2002-2006. During 2006-2010 he was the director of Marketing Unit of Citibank Turkey . He then joined Finansbank A.Ş Retail Banking Department as a Group Manager in 2010.
He worked as the Director of Retail Banking and Direct Sales between 2012-2014 and recently appointed as the Executive Vice President of Retail Banking.</p>
<h3>Ersin Emir</h3>
<p>Head of Internal Audit</p>
<p>Born in Eskişehir in 1971, Mr. Emir graduated from Middle East Technical University, Department of Business Administration, in 1994. He received his master's degree in Organizational Psychology at the University of London in
2010. He started his banking career in 1995 at İşbank as an Assistant Auditor. Mr. Emir then started to work at the Internal Audit Department of Finansbank A.Ş as an Auditor in 1998 and was appointed as the Deputy CAE in 2004.
He was in charge of the Head Office and Subsidiary Audits in the past two years, after which he was appointed as the Chief Audit Executive in March 2011.</p>
<h3>Köksal Çoban</h3>
<p>Executive Vice President, Treasury</p>
<p>1967-born Çoban received his BA from the Business Administration Department of the Middle East Technical University, Ankara, Turkey in 1990. Receiving a master's degree in finance from the City University, Çoban worked for Türk
Eximbank and Demirbank A.Ş. between 1995 and 1997. Appointed the International Markets Director with Finansbank A.Ş the same year, he served as Finansbank A.Ş's International Markets Group Chief from 1998-2000. Assuming a number
of managerial posts in the Treasury Department thereafter, Çoban has been the Finansbank A.Ş Executive Vice President in charge of Treasury since August 2008.</p>
<h3>Mehmet Kürşad Demirkol</h3>
<p>Executive Vice President, Information Technologies, Operation, Channels & Business Development</p>
<p>Mr. Demirkol was born in 1973. He graduated from the Bilkent University, Department of Electrical and Electronics Engineering in 1995 with ranking 1st among the graduates. He received his M.Sc. and Ph. D. degrees from
Stanford University. He worked as Associate Application Engineer at Oracle - Redwood from 1996 till 1997 and Research Assistant at the Stanford University from 1997 till 1999. He served as Senior Associate at the Atlanta
and İstanbul offices of McKinsey&Company between 1999 and 2003. He worked in the Business Development and Strategy Department at Finansbank A.Ş between 2004 and 2005 and worked as VP of IT and Card Operations at Finansbank
Russia in 2005. He served as Business Development and Marketing Director at Memorial Healthcare Group from 2005 till 2007.In 2007, he became the head of Information Technologies at Vakıfbank and was assigned as Chief Information
Officer and additionally became the Chief Operation Officer in 2008. Mr. Demirkol has been working as Executive Vice President in charge of Information Technologies, Operation, Channels & Business Development at
Finansbank A.Ş since August, 2010.</p>
<h3>Murat Koraş</h3>
<p>Executive Vice President, Payment Systems</p>
<p>He was graduated from Industrial Engineering Department of Bogazici University in 1999 and completed his MBA in Ozyegin University. He was assigned as a specialist in Finansbank A.Ş between 1999 and 2001. In 2004, he was
assigned as Assistant Manager in Aviva. As of September 2004, he took the tasks of Strategy Office Assistant Manager, Data Mining Assistant Manager, Analytic Marketing Vice President and Portfolio Management and Analytics Senior
Vice President in Finansbank A.Ş until 2012. Koraş took the Consumer Payment Systems Director task between 2012 and 2015 and as of May 2015, he works as Payment Systems Executive Vice President in Finansbank A.Ş.</p>
<h3>Zeynep Aydın Demirkıran</h3>
<p>Head of Risk Management</p>
<p>A graduate of Ankara Atatürk Anatolian High School, Demirkıran completed her undergraduate study at the Economy Department of Bilkent University and master's degree in Economics at Georgetown University, Washington D.C. She
lectured at Georgetown University until December 1998, after that she worked as a specialist at the Risk Management Department of Turkiye İş Bankası, between 1999-2002. She joined Finansbank A.Ş in 2002 and assumed positions as
Senior Risk Manager and Coordinator of the Basel II Program. In September 2011, she was promoted to Head of Risk Management and has held this position since.</p>
<h3>Zeynep Kulalar</h3>
<p>Executive Vice President, Corporate Banking</p>
<p>Zeynep Kulalar was born in 1971 and she was graduated from METU Faculty of Economics and Administrative Sciences Department of Business Administration in 1994. She served as Portfolio Assistant Manager in Yapı Kredi Bank
between September 1994 and December 2002 and served as Corporate Portfolio Assistant Manager in MNG Bank between January 2003 and July 2005. She joined QNB Finansbank as Corporate Marketing Team Assistant Manager in July 2005.
She served respectively as Key Customer Vice President, Corporate Banking Sales and Marketing Vice President, Performance& Foreign Trade and Portfolio Management Senior Vice President, Foreign Trade and Portfolio
Management Division Manager and Corporate Banking Portfolio Management Division Manager. She was assigned as Corporate Banking Director in June 2016. She has been appointed as Corporate Banking Executive Vice President since
December 2019.</p>
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Top of Main Content
BOARD OF DIRECTORS
Home Page
About QNB Finansbank
Board of Directors
TO HELP BUILD INDIVIDUAL AND COMMERCIAL FINANCIAL PLANS THAT WILL CATALYZE
TURKEY'S SUCCESS
ÖMER A. ARAS
Chairman
Dr. Aras graduated from the Academy of Economic and Commercial Sciences,
Department of Economics, in 1975. He received an MBA in 1978 and a PhD in
Business Administration in 1981 from Syracuse University. Over the next three
years, he was a faculty member at the Business Administration Department of Ohio
State University, and worked as a consultant. Between 1984 and 1987, he served
as Credit Marketing Manager and Credit Committee Member at Citibank, and worked
as the Head of Yapı Kredi Securities. Dr. Aras participated in the founding of
Finansbank A.Ş in 1987, and served as Assistant General Manager for two years
and as General Manager for six years and as an Executive Board Member of
Finansbank A.Ş and Vice Chairman of Fiba Holding from 1989 to 2006. Between 2003
and 2007 he held the Board Member position in TUSIAD (Turkish Industrialists'
Businessmen's Association). Mr. Aras served as Vice Chairman of Finansbank A.Ş.
and Group CEO of Finansbank A.Ş Group of Financial Companies (FinansLeasing, QNB
Finansinvest and QNB Finans Asset Management) between 2006 (November) - 2010
(April). Dr. Aras was appointed as Chairman in April 2010.
YOUSEF MAHMOOD HUSSAIN NAAMA AL-NEAMA
Vice Chairman
Mr. Al-Neama received his bachelor of science degree in Aviation Management from
Florida Institute of Technology in 1989. He is also has a diploma in Business
Administration from Glamorgan University (Wales) in 2004. Prior to joining QNB,
Mr. Al-Neama worked as an Executive Manager International & Institutional
Banking in Doha Bank between 2003 and 2004. After he joined QNB in 2005, he
served as various posions at QNB such as Executive Manager in Corporate Products
Marketing, Executive Manager in International Banking. Following his duties, he
was appointed as a CEO of QNB Syria between 2010 and 2011. In 2013, he served as
a General Manager of International Business division through the year. Mr.
Al-Neama served as a General Manager of Group Corporate and Institutional
Banking at QNB between 2014 and 2019. He is currently the Executive General
Manager of Group Chief Business Officer at QNB. As of May 2019, he serves as a
Member of the Board of Directors of QNB.
ADEL ALI M.A. AL-MALKI
Member of the Board of Directors
Mr. Al-Malki holds a bachelor’s degree in Computer Information Technology from
Qatar University in 2001. (Doha, Qatar) He started his carreer in QNB in 2003.
He served various positions since 2003 at QNB. He served as a System Analyst
between 2003 and 2005 following that he also serves as an Executive Manager
Develepment & User Services and Assistant General Manager Development & User
Services between 2007 and 2010. Mr. Al-Malki has been a General Manager Group
Information Technology of QNB since 2010. As of May 2019, he serves as a Member
of the Board of Directors of QNB.
RAMZI TALAT A MARI
Member of the Board of Directors
He joined QNB in 1997 from Jordan Bank and is the current General Manager and
Chief Financial Officer. He completed the Certified Public Accountant
Examination from the State of California, USA and holds Master's Degree in
Accounting from USA. Currently, he is a board member at Housing Bank for Trade
and Finance (Jordan), QNB ALAHLI S.A.E. (Egypt), QNB Capital LLC, Qatar
International Holding LLC.
NOOR MOHAMMAD AL-NAIMI
Member of the Board of Directors
She joined QNB in 2000. Held various positions in the Treasury Operations and
Control Division until becoming Assistant General Manager Treasury Operations
Trading & Investment.
On 2014 she was appointed as Acting General Manager Group Treasury. She had a
bachelor's degree from Qatar University from Business Administration.
FATMA A AL-SUWAIDI
Member of the Board of Directors
Ms. Fatma Abdulla Al-Suwaidi joined QNB in 2000 and, with over 20 years of
banking experience, she currently serves as its Group Chief Risk Officer, having
previously been Head of Credit Administration (2012-2013) and Assistant General
Manager - Group Credit (2013-2018). In addition, Ms. Al-Suwaidi is currently the
President Commissioner of QNB Indonesia.
Ms. Fatma Abdulla Al-Suwaidi has a BSc in Accounting, a Master's Degree in
Business Administration (Qatar University) and MSc in Risk Management
(University of New York), and a Juris Doctor Degree (Hamad Bin Khalifa
University). She holds a particular interest in banking innovation and is in the
advanced stages of completing a Doctorate in Business Administration from
Grenoble University, France, on the subject of "Innovation in Banking and
Financial Market", focusing on crypto currencies.
ESEL ÇEKIN
Member of the Board of Directors
Esel Çekin has been Executive Director of the Harvard Business School MENA
Research Center since it opened in 2013. She manages the School’s research
activities in Turkey, the Middle East, North Africa and Central Asia. With a
degree in economics from Boğaziçi University, she went on to earn her PhD in the
same field from the City University of New York Graduate School. She also
completed the Advanced Management Program at Harvard Business School. Ms. Çekin
started her career as a consultant at Bain & Co. Management Consultancy in their
Istanbul office. In 1999, she joined Boyner Holding, Turkey’s largest non-food
retail group, as Vice President of Strategy and Business Development. From 2004
to 2009, she served as Chief Executive Officer of Beymen, Boyner Holding’s
luxury department store chain. Prior to taking on the director position at the
MENA Research Center, she served as Executive Director of the Graduate School of
Business at KoçUniversity. Çekin is a board member at Migros Ticaret, one of
Turkey’s biggest food retailers, since May 2020 and a board member at Coca Cola
İçecek, the Coca Cola Company’s bottler in the region (Turkey, Pakistan,
Kazakhstan, and so on), since 2022. She also sits on both companies’ corporate
governance committees.
ALI TEOMAN KERMAN
Member of the Board of Directors and Chairman of Audit Committee
Mr. Kerman received his graduate degree in Economics from University of
Hacettepe in 1980 and post graduate degree in Project Planning and National
Development from University of Bradford, UK, in 1982. He began his career at the
Turkish Treasury Undersecretariat where he held several positions, including
General Manager and Deputy Undersecretary. During his career at the
Undersecretariat of Treasury, he served as Deputy Economic and Commercial
Counsellor at Washington Embassy and Acting Executive Director of Asian
Development Bank, Philippines, for three years in each position. In 1997, he
resigned from Treasury Undersecretariat and was appointed as a Deputy Director
of Turkish Eximbank. Same year, he returned back to the Treasury as Director
General for Insurance. In 2000, he was appointed as the Vice President of the
newly established Banking Regulation and Supervision Agency (BRSA). He also
served as a Board Member of Savings Deposit Insurance Fund (SDIF). After having
served in both positions for three years, he was appointed as Advisor to BRSA
Chairman in 2004. He also served as Chairman of the Board in Toprak, Generali
and Ege Insurance Companies on behalf of SDIF. Mr. Kerman retired in 2005 and
set up KDM Financial Consultancy Company. He also served as CFO of Yapkim
Yavuzlar Plastik A.Ş. for five years until 2014. He has been board member of
Finansbank A.S. since April 2013. Finally, Mr. Kerman was appointed as Chairman
of Finansbank A.Ş Audit Committee in May 2014.
DURMUŞ ALI KUZU
Member of the Board of Directors and Audit Committee
Mr. Kuzu, Ph.D., has been a member of QNB Finansbank Board of Directors since
2016 with the deep knowledge and experience he gained in the banking and finance
sector, where he worked for many years as a banker and supervisor. Within the
same year, he was assigned as the member of the Bank’s Audit Committee which is
responsible for the efficient running of internal systems, risk management,
compliance and internal control units. He completed his master's degree in
Business Administration at the University of Illinois in the United States in
2008 and received his Ph.D in the field of Accounting and Finance at Başkent
University in 2018. Until today, Mr. Kuzu, Ph.D has taken charge in many
national and international committees, acted as a state representative in BASEL
and FSB Banking Committees, worked as FSAP country coordinator, carried out
studies concerning banking-finance regulation and audit practices of various
countries such as the USA, England as well as European Union, attended various
seminars and conferences. In addition to his book publications, his articles and
papers were published in magazines and discussed at various conferences. He
lectured at universities. He is currently a member of the Board of Directors of
TMA Turkey and Foundation of Sworn Bank Auditors.
TEMEL GÜZELOĞLU
Member of the Board of Directors
Born in 1969, Mr. Güzeloglu has BSc degrees from the Electrical and Electronics
Engineering; and Physics Departments of the Bosphorus University. Güzeloglu was
later entitled to an MSc degree from Northeastern University, Electrical and
Computer Engineering and an MBA from Bilgi University. Before joining Finansbank
A.Ş Güzeloglu worked in McKinsey & Co., Citibank and Unilever in various
positions. Güzeloglu worked as the Executive Vice President responsible for
Consumer Banking till August 2008. He then served as Executive Vice President
responsible for Retail Banking and Member of Management Committee until April
2010. Mr. Guzeloglu was appointed to General Manager in April 2010 and served
until January 2022. He has been working as a member of the board of directors
since then.
ÖMÜR TAN
Member of the Board of Directors and CEO
Born in 1971, Ömür Tan graduated from Ankara Atatürk Anadolu College. He
completed his undergraduate study at the Statistical Department of Hacettepe
University and MBA Degree at Bilgi University. Tan began to work at Yapı Kredi
Bankası as a Management Trainee in 1995 and joined Finansbank A.Ş in 1998. After
taking various roles in Corporate Branches, he was assigned as Corporate Branch
Manager, Head Office Key Account Senior Vice President and then, Corporate
Banking Senior Vice President. As of 2011, he acts as the Executive Vice
President for Corporate and Commercial Banking, together with the functions of
Project Finance and Cash Management and Foreign Trade Financing. He was
appointed as the General Manager of QNB Finansbank as of January 2022. Ömür Tan
is also a board member of QNB Finansleasing, QNB Finansfaktoring, QNB
Finansinvest and QNB eFinans.
MANAGEMENT & EXECUTIVE VICE PRESIDENTS
ADNAN MENDERES YAYLA
Executive Vice President, Financial Control and Planning
Born in Ankara in 1963, Yayla graduated from the Economics Department of the
Faculty of Political Science of the Ankara University in 1985. He did his MBA at
the University of Illinois at Urbana-Champaign from 1992-1994. He worked for the
Ministry of Finance as an Assistant Auditor and Auditor from 1985-1995; for the
Privatization Administration as a Project Valuation Division Chief from
1995-1996; for Price Waterhouse Coopers as a Manager, a Senior Manager, and a
Partner in their Istanbul and London offices from 1996-2000; and for the Türk
Dış Ticaret Bankası (Fortis) as the Executive Vice President in charge of the
Financial Comptrolling Group and Risk Management from 2000-2008. He joined
Finansbank A.Ş on 20 May 2008 as an Executive Vice President and the Group CFO.
He has been a Member of Management Committee of Finansbank A.Ş and the Group CFO
since August 2008. As of October 2013, he holds the title of Vice General
Manager for Financial Control and Planning, as well as Group CFO.
AHMET ERZENGIN
Head of Internal Control and Compliance
Mr. Erzengin received his bachelor’s degree at the Public Administration
Department of the Middle East Technical University. He worked for the Pamukbank
from 1988 to 1993. He joined QNB Finansbank A.Ş. as the Regulations Manager in
1993. In 1996, he was appointed the Head of the Operations Group to manage the
operations of the branches and the headquarters. He served as the Head of
Operations in operations center from the establishment of the operation center
in 2001 to the end of 2005. In early 2006, he supervised the establishment of
the Compliance Division and he served as the Head of Compliance until September
2012. By that date he took also the responsibility of Internal Control
Department and Mr. Erzengin has been working as the Head of Internal Control and
Compliance Division ever since.
ALI YILMAZ
Chief Legal Officer-Executive Vice President
Yılmaz graduated from İstanbul University Law School. Active in business since
1996, Yılmaz received his finance education at University of Toronto in 2000.
With an MBA from Koç University, he started his banking career at Dışbank in
2002. He served as Director of Legal Affairs at Fortisbank A.Ş. and as a member
of the Board and Legal Counsel at Societe Generale Turkey. Yılmaz joined QNB
Finansbank A.Ş in 2016 and has been acting as Chief Legal Counsel since May
2018.
BURÇIN DÜNDAR TÜZÜN
Executive Vice President, Corporate and Commercial Credits
Tüzün completed her undergraduate study in Civil Engineering at the Engineering
Faculty, Middle East Technical University in 1997 and her Master’s in business
administration at Bilkent University Business Administration Faculty in 1999.
She started her banking career as assistant auditor at Finansbank A.Ş. Internal
Audit Department in 1999, joined Corporate Credits Allocation Department in 2005
and served as corporate credits manager, division manager and department
manager. She was appointed Corporate and Commercial Credits Director responsible
for Corporate, Commercial and Structured Finance Credits Allocation in 2016.
Tüzün additionally took Credits Monitoring and Financial Institutions Credits
Management responsibility in 2018. She has been appointed as Corporate and
Commercial Credits Executive Vice President since December 2019.
CENK AKINCILAR
Executive Vice President, Human Resources
Born in 1973, Akıncılar graduated from the Mathematics Department of the Faculty
of Science and Literature at Eskişehir Anadolu/Osmangazi University in 1996. He
served as a mathematics teacher for 3 months. He worked as the Senior Officer
responsible for Salary and Industrial Relations at Human Resources Department of
Pamukbank between 1998 and May 2003. He joined QNB Finansbank in May 2003. He
worked as Human Resources Assistant Manager responsible for Recruitment, System
Development and Projects; manager of the Organizational Development,
Performance, Strategic Reporting and Revenue Management, Employee Rights and
Systemic Authorization Management, then became division manager of Human
Resources Management Systems and Revenue Management, Employee Rights and
Systemic Authorization Management Department. Akıncılar was assigned as the
Director of Human Resources in July 2018, and has been appointed as Human
Resources Executive Vice President since January 2019.
CUMHUR TÜRKMEN
Executive Vice President, Enpara.com
Born in 1976, Türkmen has BSc degree from the Mathematical Engineering
Department of Yıldız Technical University and MBA Degree from Bilgi University.
He began his career in 1997 as a Software Engineer in Sabancı Holding. He joined
QNB Finansbank in 2000 and worked as a Software Engineer and Project Manager at
IBTech A.Ş., a technology subsidiary of QNB Finansbank until 2010. He became the
manager of Business Development and Strategy Office of QNB Finansbank in 2010,
Group Manager of CEO Office in 2012 and Director of Digital Banking at
Enpara.com in 2015. Being one of the founding executives of Enpara.com, Cumhur
Türkmen continues his role as Executive Vice President in Enpara.com since July
2018.
DERYA DÜNER
Executive Vice President, QNBEYOND-Innovation and Entrepreneurship
Born in 1980, Düner graduated from the School of Engineering at Bogazici
University with a Bachelor of Science degree in Industrial Engineering. Between
the years 2003 – 2006 at Mercedes Benz and between 2006 – 2007 at Pfizer, she
undertook several positions in the fields of marketing, project management and
strategy. In 2007, she joined QNB Finansbank as a Manager in Retail Banking.
Following various responsibilities, she acted as one of the founding executives
of Enpara.com throughout its set-up. After Enpara.com’s launch in 2012, she
worked as the Director of Customer Management. In 2015, in addition to her
existing responsibilities, she launched and ran the Customer Experience
Management Office of QNB Finansbank. In January 2018, she founded QNBEYOND, the
Innovation Department, and ran the department as the Director responsible for
innovation. Düner continues her role as the Executive Vice President at QNBEYOND
since January 2020.
ENGIN TURHAN
Executive Vice President, ME and Commercial Banking
Born in 1980, Turhan received his bachelor's degree in Economics at the Faculty
of Economics and Administrative Sciences, Marmara University and holds a
master's degree in International Political Economy and Management. He began his
career in the MT (Management Trainee) program at Finansbank A.Ş. in 2003. After
having worked in various divisions of the Loans Department till 2005, Turhan
transferred to Project Finance where he held positions of specialist and manager
in Project Monitoring, Project Appraisal, Corporate Finance, and Syndicated
Loans divisions. Following his assignment in 2012 as the Group Manager of
Corporate Banking Structured Finance and Syndicated Loans, he was appointed as
the Director of Corporate Derivatives Sales in 2014. Commercial Banking was
added to his existing duties in 2015 and as of June 2016, he took on the
position as the Executive Vice President in charge of Commercial Banking and
Project Finance. As of January 2022, he continues to act as the Executive Vice
President in charge of ME and Commercial Banking, together with the functions of
Cash Management and Foreign Trade.
ENIS KURTOĞLU
Executive Vice President, Retail and Private Banking
He has BA degree from Electrical and Electronics Engineering Department of
Bogazici University and completed his MBA in University of London. He was the
Marketing Director in Citibank Turkey between 1999-2002 and worked in several
managerial positions in Citibank London between 2002-2006. During 2006-2010 he
was the director of Marketing Unit of Citibank Turkey . He then joined
Finansbank A.Ş Retail Banking Department as a Group Manager in 2010. He worked
as the Director of Retail Banking and Direct Sales between 2012-2014 and
recently appointed as the Executive Vice President of Retail Banking.
ERSIN EMIR
Head of Internal Audit
Born in Eskişehir in 1971, Mr. Emir graduated from Middle East Technical
University, Department of Business Administration, in 1994. He received his
master's degree in Organizational Psychology at the University of London in
2010. He started his banking career in 1995 at İşbank as an Assistant Auditor.
Mr. Emir then started to work at the Internal Audit Department of Finansbank A.Ş
as an Auditor in 1998 and was appointed as the Deputy CAE in 2004. He was in
charge of the Head Office and Subsidiary Audits in the past two years, after
which he was appointed as the Chief Audit Executive in March 2011.
KÖKSAL ÇOBAN
Executive Vice President, Treasury
1967-born Çoban received his BA from the Business Administration Department of
the Middle East Technical University, Ankara, Turkey in 1990. Receiving a
master's degree in finance from the City University, Çoban worked for Türk
Eximbank and Demirbank A.Ş. between 1995 and 1997. Appointed the International
Markets Director with Finansbank A.Ş the same year, he served as Finansbank
A.Ş's International Markets Group Chief from 1998-2000. Assuming a number of
managerial posts in the Treasury Department thereafter, Çoban has been the
Finansbank A.Ş Executive Vice President in charge of Treasury since August 2008.
MEHMET KÜRŞAD DEMIRKOL
Executive Vice President, Information Technologies, Operation, Channels &
Business Development
Mr. Demirkol was born in 1973. He graduated from the Bilkent University,
Department of Electrical and Electronics Engineering in 1995 with ranking 1st
among the graduates. He received his M.Sc. and Ph. D. degrees from Stanford
University. He worked as Associate Application Engineer at Oracle - Redwood from
1996 till 1997 and Research Assistant at the Stanford University from 1997 till
1999. He served as Senior Associate at the Atlanta and İstanbul offices of
McKinsey&Company between 1999 and 2003. He worked in the Business Development
and Strategy Department at Finansbank A.Ş between 2004 and 2005 and worked as VP
of IT and Card Operations at Finansbank Russia in 2005. He served as Business
Development and Marketing Director at Memorial Healthcare Group from 2005 till
2007.In 2007, he became the head of Information Technologies at Vakıfbank and
was assigned as Chief Information Officer and additionally became the Chief
Operation Officer in 2008. Mr. Demirkol has been working as Executive Vice
President in charge of Information Technologies, Operation, Channels & Business
Development at Finansbank A.Ş since August, 2010.
MURAT KORAŞ
Executive Vice President, Payment Systems
He was graduated from Industrial Engineering Department of Bogazici University
in 1999 and completed his MBA in Ozyegin University. He was assigned as a
specialist in Finansbank A.Ş between 1999 and 2001. In 2004, he was assigned as
Assistant Manager in Aviva. As of September 2004, he took the tasks of Strategy
Office Assistant Manager, Data Mining Assistant Manager, Analytic Marketing Vice
President and Portfolio Management and Analytics Senior Vice President in
Finansbank A.Ş until 2012. Koraş took the Consumer Payment Systems Director task
between 2012 and 2015 and as of May 2015, he works as Payment Systems Executive
Vice President in Finansbank A.Ş.
ZEYNEP AYDIN DEMIRKIRAN
Head of Risk Management
A graduate of Ankara Atatürk Anatolian High School, Demirkıran completed her
undergraduate study at the Economy Department of Bilkent University and master's
degree in Economics at Georgetown University, Washington D.C. She lectured at
Georgetown University until December 1998, after that she worked as a specialist
at the Risk Management Department of Turkiye İş Bankası, between 1999-2002. She
joined Finansbank A.Ş in 2002 and assumed positions as Senior Risk Manager and
Coordinator of the Basel II Program. In September 2011, she was promoted to Head
of Risk Management and has held this position since.
ZEYNEP KULALAR
Executive Vice President, Corporate Banking
Zeynep Kulalar was born in 1971 and she was graduated from METU Faculty of
Economics and Administrative Sciences Department of Business Administration in
1994. She served as Portfolio Assistant Manager in Yapı Kredi Bank between
September 1994 and December 2002 and served as Corporate Portfolio Assistant
Manager in MNG Bank between January 2003 and July 2005. She joined QNB
Finansbank as Corporate Marketing Team Assistant Manager in July 2005. She
served respectively as Key Customer Vice President, Corporate Banking Sales and
Marketing Vice President, Performance& Foreign Trade and Portfolio Management
Senior Vice President, Foreign Trade and Portfolio Management Division Manager
and Corporate Banking Portfolio Management Division Manager. She was assigned as
Corporate Banking Director in June 2016. She has been appointed as Corporate
Banking Executive Vice President since December 2019.
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