Osama Abdel Razek Helmi is the Head of Sharia'a Audit Section in Qatar Islamic Bank since 2006. Starting his carrier in Risk Management Dept. in 1984 with Misr America International Bank affiliated with Bank of America, Osama then moved to Saudi Arabia working in the Credit Inspection Dept. at Riyadh Bank, and then to Qatar Islamic Bank working in Investment and Local Financing before assuming the position of Director of Credit Risk Management in the United Bank of Egypt. His experience, mostly in the areas of Finance and Credit, enabled him to participate in the development of Islamic Finance in the United Bank of Egypt. Osama holds Bachelor of Commerce Degree in Accounting and Certified Lender License from Egypt and is a certified provider from the Marine Arabic Academy of Administrative Sciences.