Our Team
Bringing Islamic Banking to the world and the global Muslim ummah.
Management
Management
Dr. Mohamed Qalib Daqane
principal officer & General Manager
Dr. Qalib is the Deputy General Manager of Salaam Center, a leading professional Training, Research and Consultancy that aims to develop and promote the Djibouti human capital. In the last 10 years, he has worked in banking and academia as an Investment Manager at Salaam African Bank, Sharia Contract Reviewer at HSBC Amanah Malaysia and lectured at the International Islamic University Malaysia (IIUM) and International Centre for Education in Islamic Finance Malaysia (INCEIF).
Dr. Qalib obtained his Ph.D in Islamic Finance from the Kulliyah of Islamic Revealed Knowledge, Department of Fiqh & Usul Fiqh (Islamic Jurisprudence), IIUM, a Master’s Degree in Islamic Banking and Finance from INCEIF and a Bachelor’s Degree in Fiqh and Usul Fiqh from Sharia University, United Arab Emirates.
Mohd Kamal Yasinan
STAFF
Kamal has a total of 26 years of banking operations experience. He started his career as an Internal Audit in a Malaysian bank in 1996 prior to joining the Compliance Department of an Islamic foreign bank in 2008. He continued his career in compliance fraternity since then and has served two (2) other Malaysian banks and two (2) foreign banks in the capacity as Head of Compliance.
Kamal graduated with a Diploma in Accountancy from the University of Technology MARA (UiTM) in 1996 and a Bachelor of Business Administration (Hons) Degree in Finance in 2003. He obtained his Advanced Certification in Anti-Money Laundering and Counter Financing of Terrorism from Asian Institute of Chartered Bankers (AICB) and International Compliance Association (ICA) and Diploma in Anti-Money Laundering (in association with Manchester Business School, The University of Manchester) in 2014.
He also completed the basic technical training by JMR Infotech Middle East Certificate on Oracle Flexcube, Oracle Banking Digital Experience (OBDX), and Oracle Financial Services Analytical Application (OFSAA).
Nuha Najihah
STAFF
Nuha has five years of professional experience in the banking sector, she initially joined the bank as a compliance analyst before transitioning into her current leadership role as department head in 2026. Nuha holds a First Class Bachelor of Science (Hons) Degree in Actuarial Science and Risk Management (2020) awarded by the Islamic Science University of Malaysia (USIM) in 2020.
She played a pivotal role in two major Core Banking initiatives: The Core Banking System Implementation (Oracle Project) in July 2021 and the Safari Core Banking Solutions (CBS) Programme in June 2023. Through these projects, she developed comprehensive project management expertise, specifically in Oracle Financial Services Analytical Applications (OFSAA) system. Her responsibilities included liaising with vendors on compliance system integration and ensuring the bank’s documentation readiness. Additionally, during the Safari CBS project, she participated in a two-week GEMBA session at Djibouti, where she facilitated knowledge transfer and system familiarization for the respective Compliance Team.
Nuha also completed the basic technical training by JMR Infotech Middle East Certificate on Oracle Flexcube, Oracle Banking Digital Experience (OBDX), and Oracle Financial Services Analytical Application (OFSAA). Nuha obtained the International Compliance Association (ICA) Certificate in Anti-Money Laundering (in association with Manchester Business School, The University of Manchester) with Distinction in 2022.
Muhammad Dzulfadzli
STAFF
Dzul joined Waafi Bank in May 2021 as an Analyst in Finance and Corporate, where he received basic technical training from the JMR Infotech Middle East Certificate on Oracle Flexcube, Oracle Banking Digital Experience (OBDX), and Oracle Financial Services Analytical Application (OFSAA). He is a graduate of Sultan Idris Education University, where he obtained a Bachelor of Economics (Islamic Finance) with Honours in 2019. He also obtained a Distinction in the ICA Certificate in Anti-Money Laundering in association with Manchester Business School, The University of Manchester. His core responsibilities include financial reporting, accounting operations, payroll processing, vendor payments, and regulatory reporting to Labuan FSA, ensuring strong governance, transparency, and compliance.
Beyond finance operations, Dzul has been actively involved in major core banking, which included two core banking projects. He was part of the first implementation of Oracle Core Banking at Waafi Bank and later served as Project Management Officer (PMO) for the core banking system migration from Oracle to Safari CBS. He also contributed to the development of the Global WAAFI App and worked closely with the parent bank in Djibouti, collaborating with IT and finance teams to strengthen operational alignment and group collaboration.
After five years of professional experience with Waafi Bank, in January 2026, Dzul was appointed as Head, Corporate. In this role, he oversees corporate governance, financial management, regulatory reporting, procurement and vendor management, and operational coordination while supporting strategic initiatives and intercompany coordination to ensure the bank’s operations remain efficient, compliant, and aligned with business objectives.