Saudi Regulatory Expertise & Governance الخبرة التنظيمية والحوكمة السعودية

15+ years directing SAMA-compliant financial infrastructure (قيادة الامتثال للهيئة السعودية للمقاصات). National-scale payment systems engineered to satisfy SAMA CSF, SAMA Cloud Controls, and NCA ECC-1:2018 baselines with 100% operational availability.

• SAMA Compliance & Zero-Downtime Migration (الامتثال للهيئة السعودية للمقاصات): Led zero-downtime migration of Saudi Payments (mada) national payment infrastructure to KAFD Tier-IV Gold data center sustaining 8.9B+ annual transactions (SAR 613.9B in value).
• Operational Resilience (المرونة التشغيلية المؤسسية): Implemented end-to-end operational resilience, SAMA Cybersecurity Framework (إطار الأمن السيبراني للهيئة السعودية للمقاصات), transaction security, and continuous auditing for national payment rails.
• Defense-in-Depth & Zero-Trust (إطار الأمن السيبراني الدفاعي): Zero-Trust architecture, Tier-IV data center redundancy, and high-throughput low-latency payment security perimeters.

Full-stack digital insurance infrastructure built to satisfy stringent statutory supervision (إشراف التكنولوجيا التأمينية), actuarial safety, and real-time regulatory oversight.

• InsurTech Platform Governance (حوكمة منصات التكنولوجيا التأمينية): Architected Rommaana’s end-to-end InsurTech infrastructure under strict IA/SAMA regulatory governance.
• Automated Lifecycle & Carrier APIs (تكامل واجهات برمجة التطبيقات مع شركات التأمين): Automated policy lifecycle, claims data workflows, and secure API integrations with national carriers and registries.
• Statutory Reporting & SoD (التقارير التنظيمية الإلزامية): Enforced strict segregation of duties, audit logging, and automated statutory reporting mechanisms.

Aligned with Communications, Space & Technology Commission requirements (معايير هيئة الاتصالات). High-availability cloud landing zones adhering to CST Class C guidelines with deterministic recovery objectives.

• CST Cloud Computing Regulations (لوائح الحوسبة السحابية لهيئة الاتصالات): Designed hybrid cloud landing zones strictly aligned with CST Class C sovereign hosting and IT licensing.
• Multi-Zone BCP/DR (استمرارية الأعمال والتعافي من الكوارث): Implementation of multi-zone disaster recovery (BCP/DR) with sub-second RPO and minimal RTO across local data centers.
• Sovereign Interconnects (الربط البيني السيادي): Carrier-neutral network architectures, secure interconnects, and local infrastructure peering within the Kingdom.

Full compliance with Personal Data Protection Law (تطبيق نظام حماية البيانات الشخصية). Cryptographic isolation, zero cross-border leakage, and institutionalized privacy-by-design for sensitive citizen and enterprise records.

• In-Kingdom Data Residency (الامتثال لتوطين البيانات في المملكة): Engineered strict in-Kingdom data residency architectures ensuring no cross-border leakage of regulated PII or financial records.
• HSM & Cryptographic Security (التشفير وإدارة المفاتيح السيادية): AES-256 encryption-at-rest, TLS 1.3 in-transit, hardware security module (HSM) key management, and granular RBAC.
• Privacy-by-Design & SDAIA (الخصوصية حسب التصميم وسدايا): Implementation of data retention, consent lifecycle management, and privacy-by-design aligned with SDAIA mandates.

Saudization program optimization (استراتيجية نظام نطاقات) and operational workforce compliance across MHRSD (وزارة الموارد البشرية والتنمية الاجتماعية), Qiwa Platform (منصة قوى المعتمدة), and Absher System (نظام أبشر الحكومي).

• Nitaqat Optimization (الامتثال لنظام نطاقات): Expertise in Saudization program compliance (Nitaqat Compliant / متوافق مع نظام نطاقات), workforce quota modeling, and Tier-Platinum Saudization strategy for technology enterprises.
• Qiwa Platform Integration (تكامل منصة قوى المعتمدة): Certified user and technical manager of Saudi labor market platform workflows (منصة قوى), digital employment contracts, and statutory Saudization reporting.
• Absher & GCC Compliance (نظام أبشر وامتثال مجلس التعاون الخليجي): Direct integration with Absher System (تكامل مع نظام أبشر الحكومي), MHRSD portals (وزارة الموارد البشرية), and broader GCC Compliance (امتثال مجلس التعاون الخليجي).