Hicham Essounaini

49 years old, father of two children. Graduated in 1998 from the Grenoble Institute of Technology (Operations Research and Scheduling). Over 23 years of experience in program organization and management, digital transformation, E-Banking, and electronic payments. First professional experience in Switzerland at the Ecole Polytechnique de Lausanne (Artificial Intelligence Laboratory/Doctoral Assistant). In Morocco: Crédit du Maroc (1999 – 2007): Project Manager for Decision Support and Remote Banking. BMCE Bank (2007 – 2012): Head of Project Management Department. Al Barid Bank (since October 2012): Head of AMOA Division, Director of Organization and AMOA, Director of Multichannel Banking, and currently Director of Digital and Electronic Payments.