Ahmad Abdullah Alnazzawi Aljohani
Riyadh,Saudi Arabia
Summary
Senior digital transformation and AI executive with 20+ years of experience across banking, insurance, and government sectors. Founder of Core4AI, a runtime governance architecture for autonomous AI systems, and Heartbridge, an AI-driven relationship intelligence platform. Specialized in governing AI behavior at scale through human-in-the-loop design, non-stationary objectives, drift detection, and explainable decision frameworks.
Overview
22
22
years of professional experience
2017
2017
years of post-secondary education
1
1
Certification
Work history
Founder
Heartbridge
Riyadh
01.2024 - 12.2025
- AI-powered relationship intelligence platform.
Founder & Chief Architect
Core4AI
Riyadh
01.2023 - 12.2025
- Runtime governance architecture for autonomous AI systems.
- Human-in-the-loop control, drift-triggered intervention, policy compliance agents.
CEO advisor in Leading digital transformation
General Authority for Statistics
Riyadh, Riyadh Region
01.2024 - 12.2025
- Developed corporate policies, improved ethical standards across the organisation.
- Improved business resilience with risk management strategies.
- Enhanced stakeholder relations by regular communication and transparency.
- Drove digital transformation efforts, established strong online presence for the firm.
Strategy Execution Head
SABB
08.2021 - 01.2023
- Align data monetization strategy with Digital strategy.
- Develop SME department to leverage OpenBanking ecosystem.
- Build Theory of change concept to align IT, Digital and Business strategies.
Corporate Division Digital Transformation Officer– Senior Vice President
Riyad Bank
08.2019 - 12.2021
- Transform Corporate Banking into a digital data-driven division.
- Leading the 5 pillars of transformation design: Customer insights, Accountability teams, Digital backbone: data sharing and processes standardization, Digital platform, Third party development digital platform (OpenBanking).
- Manage Artificial Intelligence and Machine learning project by building: Propensity models (correlations vs causation), Visualization model (Tableau) to identify associations in data inputs, POS market penetration project.
- Develop digital strategy for global transactions section (driven by data)
- Define objectives/KPIs and ensure alignment and synergy.
Head of Sales Excellence
Riyad Bank
09.2018 - 08.2019
- Perform Principal Component Analysis as part of data reduction and customer profiling Models: Score customer using decision trees, Segment customer based on preferences and behavioral, Rank customers based on likelihood to respond.
- Managing Sales Transformation Initiative.
- Aligning and integrating customer insight through building Data Analytics.
- Embed and improve customer experience at key moments that matter.
- Establish structures sales management rhythm from measurement to real-time performance coaching.
- Optimize Sales effectiveness using discrete process simulation modeling.
- Achievements: Increase sales to operational activities by 20%.
Business Intelligence and Analytics Manager
Riyad Bank
02.2015 - 08.2018
- Building Customer Insight through data management programs.
- Optimize revenue with quality data.
- Personalized customer relationship.
- Optimize business decision making.
- Perform Cash Management big data advanced analytics utilizing SPSS by: Applying Principle component analysis to reduce data, Descriptive statistics for data visualization, Preparing data through selecting variables with significance, Data cleaning and transformation.
- Process simulation used for: Enhancing product development process to ensure timely delivery, Streamline processing, Optimize sales channels.
- POS transactions: segment clients based on merchants’ transactions.
- Payroll: identify cross selling opportunity and referrals for Retail.
Planning and Budgeting Manager
Riyad Bank
02.2013 - 02.2015
- Managing change program to transform bank’s performance.
- In charge of formulating and executing Retail strategy using balanced score card methodology and dashboard development.
- Using data mining techniques to develop rules to acquire, retain, and grow customer base.
- In charge of the implementation of MIS unit to manage sales performance, processes and channels’ efficiencies.
- Aligning key strategic processes by improving responsiveness and efficiency to meet customer demand through developing strategic, tactical and operational dashboards.
- Customer Relationship Management: create stable and accurate predictive models for client’s acquisition, growth and retention.
- Segmentation: enhanced existing segmentation models using clustering detection technique to enhance customer understanding.
- Achievements: Increased propensity to response rate on outbound telesales campaigns (370 lift).
- Increased retention rate (200 lift) by increasing customers’ tenures.
- Increased cross/up selling to targeted customer (50,000 customers) from 1.5 to 2.5 products to customer ratio.
- Increased client acquisition (400 lift).
Segment Strategy Manager – Customer Strategy and Tactics
Riyad Bank
06.2011 - 01.2013
Bank Performance Transformation Project Manager
Riyad Bank
11.2009 - 06.2011
Senior Strategy Analyst- Corporate Banking
06.2007 - 07.2008
Database Senior Analyst
02.2005 - 06.2007
Sales Support Officer
02.2004 - 02.2005
Education
Master of Science (MSc) - Business Intelligence and Advanced Analytics
Saint Joseph’s University
USAMaster of Business Administration (MBA) - undefined
Prince Sultan University
KSABachelor of Business Administration (BBA) - Finance and Computer information system
University of Miami
USAHigh School Degree - undefined
Riyadh Schools
KSASkills
- Banking, Financial, Budgeting, Credit Management, Driving Growth &Training
- IT, Software / Hardware & Modeling Concepts, Structured Analysis & Design, Trouble Shooting
- Communication, Interpersonal, Negotiation, Analytical, Team Building, Leadership Skills
- Cobol, C / C, SQL, Visual Basic, ER Modeling, MS Project, Microsoft VISIO
- Cognos Suite, SQL, Oracle Enterprise 9i / UNIX, MS DOS, Windows XP, 2000, 98 Operating Systems
Certification
- MIT Sloan School of management Business school of the Massachusetts Institute of Technology
- Interpersonal Communication: Strategies for Executives. Oct-2021 Credential ID: 28478966
- Data Monetization Strategy: Creating Value Through Data. Jul-2021 Credential ID: 28478966
- Economics for Business Program. Jul-2021 Credential ID: 28478966
- Inquiry-Driven Leadership Feb 2021 Credential ID: 28478966
- Leadership in an Exponentially Changing World Jan 2021 Credential ID: 28478966
- Corporate Innovation: Strategies for leveraging Ecosystems. Feb-2021 Credential ID: 28478966
- Digital Marketing Analytics. May-2021 Credential ID: 27513961
- Blockchain Technologies: Business Innovation and Application. Nov-2020 Credential ID: 25364360
- Artificial Intelligence: Implications for Business Strategy. Sep-2020 Credential ID: 23457866
- Business Process Design for Strategic Management. Sep-2020 Credential ID: 22932985
- Organizational Design for Digital Transformation. Aug-2020 Credential ID: 21854391
- Pricing: Using Data to Improve Pricing Performance. Aug-2020 Credential ID: 22625172
- Digital Business Strategy: Harnessing our Digital Future. Jul-2020 Credential ID: 20533502
- Machine Learning in Business. Jun-2020 Credential ID: 1937690
- Internet of Things: Business Implications and Opportunities. Apr-2020 Credential ID: 16340445
Languages
Arabic: Expert level
English: Expert level
Timeline
CEO advisor in Leading digital transformation
General Authority for Statistics
01.2024 - 12.2025
Founder
Heartbridge
01.2024 - 12.2025
Founder & Chief Architect
Core4AI
01.2023 - 12.2025
Strategy Execution Head
SABB
08.2021 - 01.2023
Corporate Division Digital Transformation Officer– Senior Vice President
Riyad Bank
08.2019 - 12.2021
Head of Sales Excellence
Riyad Bank
09.2018 - 08.2019
Business Intelligence and Analytics Manager
Riyad Bank
02.2015 - 08.2018
Planning and Budgeting Manager
Riyad Bank
02.2013 - 02.2015
Segment Strategy Manager – Customer Strategy and Tactics
Riyad Bank
06.2011 - 01.2013
Bank Performance Transformation Project Manager
Riyad Bank
11.2009 - 06.2011
Senior Strategy Analyst- Corporate Banking
06.2007 - 07.2008
Database Senior Analyst
02.2005 - 06.2007
Sales Support Officer
02.2004 - 02.2005
Master of Business Administration (MBA) - undefined
Prince Sultan University
Bachelor of Business Administration (BBA) - Finance and Computer information system
University of Miami
High School Degree - undefined
Riyadh Schools
Master of Science (MSc) - Business Intelligence and Advanced Analytics
Saint Joseph’s University