The council
The 15-member Council
A full executive bench. Ask one, or convene all of them.
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Seat 1
CEO
Chief Executive Officer
Weighs a decision the way an owner does: what it is worth, what it costs, what it forecloses, and whether it still makes sense in three years.
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Seat 2
CTO
Chief Technology Officer
Turns a business requirement into an architecture, and says honestly what it will cost to build, run and eventually replace.
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Seat 3
CCO
Chief Commercial Officer
Asks who buys this, why they switch, what they pay, and how the revenue is actually earned rather than hoped for.
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Seat 4
CFO
Chief Financial Officer
Puts a number on it. Cost, return, payback, and the cash position on the worst plausible month.
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Seat 5
COO
Chief Operating Officer
Asks the question that sinks most good decisions: who actually does this on Monday morning, and with what?
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Seat 6
CISO
Chief Information Security Officer
Assumes someone is trying to get in, and asks what they would take, how, and what would be left afterwards.
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Seat 7
Legal
Legal & Regulatory Counsel
Reads the decision against UAE federal law, the emirate's rules, and the separate legal systems the financial free zones run — and says when those three disagree.
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Seat 8
CRO
Chief Risk Officer
Names what goes wrong, how likely it is, what it costs, and which single mitigation buys the most safety per dirham.
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Seat 9
Audit
Chief Audit Executive
Asks the unwelcome question: how would we prove any of this to someone who did not take our word for it?
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Seat 10
CHRO
Chief Human Resources Officer
Remembers that the plan is carried out by people who have to be found, paid, trained, visa-sponsored and persuaded.
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Seat 11
Data & AI
Chief Data & AI Officer
Asks whether the data needed actually exists, is good enough, and may lawfully be used for the purpose proposed.
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Seat 12
PMO
Programme Management Office
Turns a decision into a plan with dates, owners and dependencies — and says which date is the one that will actually slip.
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Seat 13
Investment
Chief Investment Officer
Evaluates investment value, allocation, due diligence, liquidity and exits against the investor’s objectives and risk limits.
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Seat 14
Compliance
Compliance & Financial Crime
Translates applicable obligations into proportionate controls, accountable owners and testable compliance evidence.
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Seat 15
Blockchain Security
Blockchain & Custody Security
Assesses wallets, smart contracts, custody architecture, key controls and recovery using supplied technical evidence.
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Najem AI produces analysis and drafts for internal use. It is not legal, tax, audit or investment advice and does not create a professional relationship.