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Tarek is the senior director at Kreatoc Zest Ltd. He graduated in Accounting and Finance from the University of Lancaster in 1985, and in 1989 joined Fulton Prebon in London where he was responsible for European bond derivative markets. In 1995 Tarek established the firm's Islamic finance department, advising on the structuring of financing for clients in the Middle East, Europe and South-east Asia. Since 1998 he has worked as a product developer, consultant and researcher for a variety of institutional and private clients across the world. Tarek is the author of The Problem With Interest (1997), a work on monetary economics now available in four language editions, and contributing editor of the reference textbook Islamic Banking and Finance: What It Is and What It Could Be (2010). Tarek has lectured professionally in the field of finance for several academic and commercial clients and has promoted his theoretical ideas through a number of ground-breaking financial products. Working with Ansar Finance Group and Lovells law firm in the United Kingdom during 2006, he helped develop the Western world's first commercially implemented debt-free home financing scheme. More recently, he collaborated with a Swiss investment adviser on the design of a sustainable global equity fund under the European UCITS 4 regime. A long-time advocate of monetary reform and commodity money systems, Tarek is the author of the policy paper Monetary Reform in Malaysia (2005) and designer of the London Dirham (2014). He has advised on matters of monetary policy at a political level in several countries and has appeared alongside well-known economic reformers in print publications and documentary films including The Four Horsemen (2011) and Meme Wars (2012). Tarek is an occasional commentator on economic and financial matters for major global media outlets including BBC television and radio.


Shaharuddin has over 17 years of international experience covering markets in Europe, the Middle East and Africa working in investment banking, Islamic finance and private equity. Between 2005 and 2012, he was Regional Head of Compliance for Middle East and Africa for Credit Agricole Corporate and Investment Bank where his responsibilities included establishing and overseeing the risk management, compliance and control programmes across branches and subsidiaries in the GCC countries and Africa. Between 2001 and 2004, Shahar worked for the global Islamic banking and finance standards setting body AAOIFI as Director of Operations. Here he helped to supervise the development and issuance of standards relating to accounting, auditing, governance and ethics. He is the author of AAOIFI’s Financial Accounting Standards on Segment Reporting (FAS 22) and Deferred Payment Sale (FAS 20). In his academic work, Shahar has presented a paper on financial soundness indicators for the IMF and led AAOIFI's CIPA qualification programme. He also taught the post-graduate module in Islamic banking at the Royal University for Women in Bahrain. Shahar started his career in London with a boutique private equity house, investing in small and medium size businesses where he was involved in conducting due diligence, monitoring of investments and arranging exits for a number of investee companies. He graduated in Accounting from the University of East Anglia in the UK, is a fellow of the Association of Chartered Certified Accountants in the UK, and holds Registered Representative status with the Chartered Institute for Securities and Investment in London.


Our associates include a number of shariah scholars and commercial advisors who together have in-depth experience of the academic, regulatory, commercial and legal sides of both secular and Islamic finance. Based in the United Kingdom, the United States, South Africa, Malaysia and Saudi Arabia, all are professionally qualified in their fields of expertise and have worked with us in numerous client assignments over recent years.

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