Syed Irfan Ali is a banking sector policy expert and adviser having worked at the State Bank of Pakistan and Financial sector for over three decades. His expertise includes banking and non-banking regulation, payment systems, AML/CFT, financial markets, Climate Risk, mergers and acquisitions, payment systems, Digital Banking and FinTech. He has also played a key role in developing Prudential Regulations, introduction and amendment in key statutes related to banking and supervision, structuring and restructuring of Financial Institutions, assistance to the Government in disinvestment / privatization process of public sector banks, mergers and acquisition, and introduction of thematic inspection concept as a precursor to the risk based supervision are his few achievements during his services to SBP. Mr. Ali has also been associated with various committees and working groups and represented SBP at various domestic and internal forums like the World Bank, IADI, FATF/APG and IMF. He is the key team member of central bank’s historic initiative to financially integrate all Pakistanis across the world, by means of digital banking & FinTech under the flagship Roshan Digital Account (RDA). His career spans over a period of nearly 33years, beginning in 1992. Prior to his proceeding on retirement, Mr. Ali held the position of Executive Director, Financial Inclusion Group, Banking Policy & Regulation Group and Banking Supervision Group at SBP. He has also served as Director General, Financial Monitoring Unit (FMU), MD DPC and President IDBL. He is also prolific speaker and covers a wide range of industry subjects. He has been constantly engaged in speaking both in Pakistan and abroad at various forums and is a professional trainer on broad range of subjects, however AML/CFT branchless banking & FinTech remains his forte.