Executive Management

Andrew John Healy

Chief Executive Officer & Managing Director

Andrew Healy joined the Bank in January 2014. He has over 25 years of banking experience across all sectors, including 10 years at CEO and Board level. Prior to joining Bank of Maldives, he worked for two international banking groups, most recently as Irish CEO and Group Executive Committee member of Scandinavian institution, Danske Bank Group. He has also worked for Royal Bank of Scotland Group in senior roles in the United Kingdom.

Andrew has held a number of respected industry leadership positions including Chairman of the Northern Ireland Banking Association and President of the Institute of Banking in Ireland. He holds a first class Master’s degree in Business and a Bachelor of Science degree in Financial Services as well as a number of other banking and professional qualifications. Andrew is a Fellow of the Institute of Banking in Ireland and a Chartered Member of the UK Institute of Personnel and Development.

Aishath Noordeen

Deputy Chief Executive Officer

Aishath Noordeen joined the Bank in 1982. She became Deputy CEO in 2012 and served as a government appointed Director on the Bank’s Board of Directors from 2008 until 2014.

Aishath has a career spanning over 30 years in the banking industry and has worked in numerous areas of the Bank. She has served as Acting CEO and Managing Director on two separate occasions.

Aishath has represented the Bank in various fora both locally and internationally and is extremely well known among the Maldives’ business community. She was instrumental in establishing the Bank’s award winning international banking business.

Mohamed Shareef

Deputy Chief Executive Officer

Mr. Mohamed Shareef joined the Bank in 1995. Shareef is currently Deputy CEO and Director of Operations.

Prior to his current position, Shareef served as the Bank’s Retail Banking Director where he successfully led the development of the Bank’s business in this sector. He has also held the roles of Operations Director, Chief Operating Officer and Head of Card Centre.

Shareef holds a Master of Business Administration (Finance) degree from University of Manchester, United Kingdom.

Nandana Senevirathne

Finance Director

Nandana Senevirathne joined the Bank as Finance Director in January 2014. He has over 18 years of experience in the financial services sector in banks as well as leasing and insurance companies.

Prior to joining Bank of Maldives, Nandana was the Chief Financial Officer of AIG Insurance Limited, Sri Lanka. During his career, he also worked for four years at KPMG Maldives.

Nandana holds a Bachelor of Science degree in Accountancy and Financial Management from University of Sri Jayawardenapura, Sri Lanka. He is an Associate Member of the Institute of Chartered Accountants of Sri Lanka.

Fathimath Manike

Islamic Banking Director

Fathimath Manike joined the Bank in 1982. She became Islamic Banking Director in 2012.

Fathimath has extensive knowledge and experience in the banking industry, gained through a career spanning over 30 years.

She has previously served the Bank at Assistant General Manager level and has held responsibility for areas such as Development Banking, Human Resources and Operations.

Sahar Waheed

People & Change Director

Sahar Waheed joined the Bank in 2006. She became People & Change Director in 2014.

Sahar has over 10 years of experience in banking and prior to her appointment as People and Change Director, she served as Head of Strategic Planning and Change Management and as Deputy Manager, Credit Department.

Sahar holds a Bachelor of Science degree in Economics and Economic History from the London School of Economics and Political Science, United Kingdom.

Rashfa Jaufar

Credit Director

Ms. Rashfa Jaufar joined the Bank in 2004. She became Credit Director in 2014.

A credit risk management professional, during her tenure Rashfa has fulfilled the roles of Acting Chief Credit Officer, Manager, Credit Department and Head of Credit.

Rashfa holds a Master of Arts in Accountancy – Political Economy from the University of Aberdeen, Scotland.

Adly Ahmed Didi

Technology Director

Adly Ahmed Didi joined the Bank in August 1997.

With over 18 years of experience in the field of Information Technology, Adly started his career in the Bank as Manager, Information Technology. He also served as Head of Information Technology before joining the Bank’s executive committee as Technology Director in 2014.

Adly holds a Bachelor of Engineering from Staffordshire University, United Kingdom.




Aishath Zamra Zahir

Marketing Director

Aishath Zamra Zahir joined the Bank in April 2015.

Prior to joining Bank of Maldives, Zamra worked at Ooredoo Maldives as Head of Marketing Communications where she was responsible for the management and coordination of all communications, advertising and public relations.

Zamra holds a Masters Degree in Public Relations from Bournemouth University, United Kingdom.




Kuldip Paliwal

Director Business

Kuldip Paliwal joined the Bank in January 2016.

With over 17 years of experience in the field of Banking, Kuldip has worked in senior roles in a number of banks in India and Africa.

Prior to joining Bank of Maldives, Kuldip was Head of Corporate & Investment Banking at Exim Bank, Tanzania.

Kuldip holds a Master of Business Economics (Finance) from D.A. University, Indore, India, a Master of Science (Statistics) from University of Allahabad, India and a Bachelor of Science (Statistics & Mathematics) from University of Allahabad, India. He is a Certified Associate of the Indian Institute of Bankers.

Atis Bagchi

Chief Risk Officer

Atis Bagchi joined the Bank in August 2016.

Atis has over 26 years of risk management experience in the banking sector. He has held senior management positions in banks such as HSBC, India, Noor Islamic Bank, UAE and Standard Chartered Bank, UAE and Oman. Prior to joining Bank of Maldives, Atis worked at Barclays Bank, UAE as Director and Regional Head, Internal Controls, Operational Risk and Information Security Risk.

Atis holds a Bachelor of Commerce degree from St. Xavier’s College, India. He is also a Certified Associate of the Indian Institute of Bankers.

Harithirtham Vijayabalan

Chief Internal Auditor

Harithirtham Vijayabalan joined the Bank in May 2016.

Vijayabalan has over 30 years of experience in banking and auditing. Prior to joining Bank of Maldives, he worked at Oman Reinsurance Company, Oman as Head of Internal Audit. He has held senior management positions in organizations such as HSBC Bank, Oman, DCB Bank, India, ICICI OneSource Solutions Ltd, India and Reserve Bank of India.

Vijayabalan holds a Master of Business Administration degree from University of Cochin, India and a Bachelor of Science degree from Madras Christian College, India. He is a Certified Internal Auditor, Certified Information Systems Auditor (CISA), Certified Internal Information System Auditor and a Certified Associate of the Indian Institute of Bankers.

Zulkarnain Bin Taman

Director of BML Islamic

Zulkarnain Bin Taman joined the Bank in January 2017. He is an experienced International Islamic Banking Professional with over 25 years of experience in the field of banking operations and finance.

Prior to joining the Bank, Zulkarnain was the CEO and Managing Director of Amanie Advisors Sdn Bhd, Malaysia.

Zulkarnain holds an Executive Master’s degree in Business Administration from University Teknologi Mara, Malaysia.