Anti-Money Laundering AML

The negative economic effects of money laundering and terrorist financing on economic development are difficult to quantify

Yemen, as one of the Middle East and North Africa Region (MENAFATF) members, adheres to Anti-Money Laundering (AML) and Combating Terrorist Financing (CFT) recommendations.

Tadhamon International Islamic Bank (TIIB) duly incorporated and existing under License No. 313 dated 16/07/1996 under the supervision of the Central Bank of Yemen (CBY) which acts in accordance with regulations issued by the Law of Central bank of Yemen No. (21) of 1991 and the presidential Decree No. (36) of 1991.

Our Bank has established internal procedures and policies to detect, combat Money Laundering (ML) and Finance of Terrorism (FT) in accordance with the Yemeni Law no. (1) of 2010 on Anti-Money Laundering (AML) and Combating Financing of Terrorism (CFT) which entered to force on Jan.1^st2010 in Yemen. This law, which came into effect following FATF Recommendations, has been amended by the Law no (17) of 2013 and the statutory duties resulting therefrom have been clarified by the corresponding guidelines issued by the Financial Information Unit (FIU) and Central Bank of Yemen.

Yemeni Banks are required by law to check regularly and document the identity of their customers. We have a written policy in place to meet the requirements imposed, which includes establishing and, ongoing basis, conducting customer due diligence (CDD) and maintaining records in accordance with applicable regulations.

TIIB carries out an on-going Anti-Money Laundering Training and Awareness Programme for appropriate personnel and we conduct an independent audit of the Programme. We have also implemented clear procedures to identify and report suspicious transactions and to confirm the legitimacy of the source and destination of larger transactions before processing them.

It is not part of our business to offer banking services to any bank incorporated in a jurisdiction in which it has no physical presence and which is unaffiliated with a regulated financial group (shell bank). We have a policy to ensure that we do not conduct transactions with or on behalf of shell banks through any of our accounts or products.

We do neither maintain relationships with banks that use payable-through-accounts nor do we keep such accounts in our own books. TIIB has a policy covering relationships with Politically Exposed Persons (PEPs), their family and close associates. Our Anti-Money Laundering Policy and Procedures are applicable to our domestic branches and to our subsidiaries abroad. Our Compliance Department is responsible for the observance of Anti-Money Laundering Requirements.

The mitigation of money laundering risks plays an important role in assisting the Central Bank of Yemen in achieving its objectives of preserving market confidence and promoting and maintaining the efficiency, transparency and integrity of the Yemenis financial sector. Also, it aims to deter criminals from using the products, services and network of  Tadhamon International Islamic Bank  for laundering the proceeds of their crimes.

In this respect, Tadhamon International Islamic Bank (TIIB) has created an independent Compliance Function having a formal status within the bank to give it the appropriate standing, authority and independence. The mission of the Compliance Function is to ensure that the Bank is complying with laws, regulations, rules, internal policies and procedures, and the code of conduct applicable to its banking activities. This typically includes specific areas such as the prevention of money laundering and terrorist financing.

TIIB is committed to fighting money laundering and combating terrorism financing by adopting and maintaining policies, procedures, systems and controls.

Also, we strongly believe that stringent “Know Your Customer” (KYC) measures have particular relevance to safety and due diligence in that they help to protect the Bank’s image by reducing the likelihood of becoming a vehicle for, or a victim of, financial crime and, as a result, suffer reputation damage.

It is responsible for ascertaining that concerned officers are complying with the procedure guide on the implementation of legal and regulatory requirements for fighting money laundering, review periodically the effectiveness of the procedures on fighting money laundering, propose amendments, and report the results of their compliance efforts.

Compliance Officers who reside in the branches have a reporting line to the branch manager but also have a reporting line through to the Compliance Department with regard to their compliance responsibilities. The Branch Compliance Officers are responsible for implementation of AML requirements in the branch, by verifying the completeness and accuracy of information in the context of customers’ identification, by monitoring transactions on accounts particularly cash transactions, transfers, and any other account-related operations, and by investigating and reporting any suspicious case to the Compliance Department.

Updating of Customers' Identification Information/ Due Diligence

TIIB is not only satisfied with customers' identification at the outset of the relationship, but this exercise extends over the lifetime of the relationship to ensure that its customers' identification records remain completely updated with all relevant identification elements and information throughout the business relationship. In this respect, TIIB examines and checks on a regular basis the validity and adequacy of the customer identification data and information it maintains.

In addition to minimizing the risk of a bank’s services being used for illicit activities, collecting and maintaining sufficient information on a customer’s identity allows the early detection and recognition of suspicious transactions/activities and protects the bank from possible fraud and the underlying risks on their financial robustness and reputation.

Training has long been recognized as a key element of an effective anti-money laundering (AML) compliance program, therefore, we believe that well-trained and vigilant staffs remain the first line of defense in monitoring transactions and identifying suspicious activities.

Our training program aims at educating staff on the latest developments in anti-money laundering and terrorist financing including the practical methods and trends used by criminals for this purpose.

Anti-Money Laundering & Terrorism Financing workshop – Phase 2

Sana’a ,Yemen- Central Bank Of Yemen - January 22-24, 2011

Bank Staff Training:

Supporting Docs:

• Bank License.
• TIIB Board of Directors List.
• TIIB Main Shareholders List.
• US Patriot Act Certification.
• TIIB AML Policy.
• AML Training Program 2016.
• Law No. 1/2010 on AML/CFT and its amendments by the Republican Decree No. 17/2013.
• TIIB FATCA/AML/CFT Questionnaire 2016.
• TIIB Standard Questionnaire 2016.
• TIIB Wolfsberg Questionnaire 2016.
• TIIB W-8BEN-E.

Please read these terms and conditions carefully. By accessing this website and any of its pages, you are strictly abided by terms and conditions explained below: 

1. Any information provided by our customers are being protected by the Bank security and secrecy standards
2. Access to Customer's information is not allowed except for Bank authorized staff who received the required training on how to get and deal properly with customer's information
3. We, TIIB, always work on watching our customers' information secrecy. We do not reveal customers' information to a third party unless prior notification to customer, prior agreement with customer or as required by the law.
4. We, TIIB, always strive to keep our customers' data complete, updated and accurate. We keep our customers acknowledged on how to access their accounts information and how to inform the Bank about errors/mistakes which we immediately fix except those prohibited by law.  

1. Bank system enables customer to get several services/products and executing transactions such as transferring money between  bank accounts   
2. For whatever reason, the Bank has the right to reject any registration or access process to Bank systems
3. The Bank is committed to execute all customer's instructions and bank transactions  that are compatible with the Bank work regulations, competent official authorities instructions and  banking customs
4. The Bank records all financial transaction executed by the customer through Internet Banking. The customer is fully responsible to abide all serviceusing commitments whether done with or without his/her knowledge.  After the customer authorization and without referring to him/her, the Bank deducts all financial commitment of using the Bank system via his account or any other accounts. The customer is committed to pay all charges and fees specified by the Bank against taking advantage of such services. These charges and fees could be modified by the Bank from times to another according to the Bank absolute  estimation.
5. The customer acknowledges he/she is personally responsible on using the Bank system according to assessed purposes and uses. The customer is responsible for any financial transactions executed by his/her or any person he/she authorizes to use his/her access information, user's ID and pin code. The customer is responsible to keep his/her personal data save and not revealing them to any person or any Bank employee. The customer acknowledges that his/her pin code is considered as his/her autograph whoever the service user is. The Bank never  affords any damages, losses or compensations resulted by non-compliance of the above mentioned. The customer is responsible on the validity, safety and regularity of all his/her transactions while using Bank services.
6. The customer acknowledges that the Bank, its subsidiaries and staff are not responsible for any damages, loses, financial claims or else resulted by use/misuse of user's ID or pin code. In order the Bank do the necessary, the customer is committed to notify the Bank in writing when he/she recognizes that his/her user's ID or pin code become known to others. The customer is responsible for all transactions and instructions conducted by him/her until receiving the Bank written notification. 
7. The customer is committed to fully keep the secrecy of all his/her data,  information, account transactions and any other data which could be reached, downloaded and stored in a PC or the web. Whether the Bank or customer is affected, the customer is responsible for any unauthorized use/misuse of the above mentioned and all direct or indirect  damages resulted by such use/misuse.
8. The bank has the full right to cancel all services at any time without customer further notification
9. The customer agrees to authorize the Bank to send all correspondence and notifications related to this service through e-mail or fax. The customer is committed to take all possible precautions to keep these correspondence secrecy and be responsible when breaching this commitment
10. The Bank exerts reasonable efforts to ensure providing and functioning Bank system services. The Bank is responsible for conducting and executing such services in accordance to user's instructions sent through the Bank system and actually received by the Bank. The Bank holds no responsibility, afford no damages/losses/compensations resulted by communication devices or lines defects/damages/malfunctions which may affect the accuracy or delivery timing of messages the user may send
11. Data and information delivered to the user by the Bank or any service-providing agent assigned by the Bank are trusted. The Bank provides such unguaranteed data and information exerting possible efforts to ensure user's comfort. Thus the Bank shall not responsible on these data and information accuracy, completion, availability, delivery timing or any other decision may be taken using such data and information. 
12. The Bank shall not be responsible for any security breaches, hacking , computer viruses or problems resulted by data provided by any information provider or user's PC.
13. The Bank has the right to modify these terms and conditions and notifying the customer with such modification(s). 

Over 20 Years
of Success

Vision:

 To Be Your Number One Choice for Banking

Mission:

To provide world class local and international Islamic banking services by TIIB’s unique and professional team through modern and up-to-date programs and technology that meet the demands of the times, while exceeding the expectations of our clients, shareholders, and employees, all in a socially responsible manner.

Strategic Goals:

• Providing the best Islamic finance and investment services and solutions.
• Building and developing a professional and experienced team and using the most advanced systems and technologies.
• Building strategic relationships with our clients and different financial institutions.
• Improving the society and increasing social responsibility in our work.
• Achieving the highest returns for our shareholders and clients. 

Values:

Excellence:

We exceed our client’s expectations, work to develop and enable our employees, run our operations in a standardized and streamlined manner, and add, through our excellence, value to our society.

Commitment:

We commit to dealing in integrity and transparency with our customers, providing justice and equal opportunities for our employees, accomplishing our goals according to Shariah rulings, and increasing awareness of Islamic finance in the society.

Responsibility:

We preserve our clients’ rights, protect and nurture our employees, operate with professionalism, and contribute to sustainably developing our society.

Team Spirit:

We share mutual respect and success with our clients, create teams that perform harmoniously with professionalism and ensure our continuing success, and provide a model that impacts and creates values in our society.

Innovation and Development:

We encourage and support our employees to use and build on their talents to create an environment of innovation that our clients can benefit from, provide inspired solutions, and contribute to foster growth in our society.

Communication:

We strive to build a strong partnership and lasting relationship with our clients with the spirit of one family, make communication a tool for complete coordination to ensure the efficient and smooth flow of our operations, and open our doors to interaction and integration with our society.

Founded
in 1996

The bank runs assets that are estimated by 502 billion YR that is approximately 2.006 billion US dollars. Its fixed capital is 20 billion Rials that is approximately 80 million US dollars.

TIIB  has experience that spans  over 20 years and has more than  700 employees. The bank has continuously worked on developing its services through its specialized staff highly qualified and at the same time maintain the essence of the Islamic values on which it was founded. In other words, the bank plays a key role in bridging the gap between the modern banking requirements and the essential values of Islamic banking legislation.

The bank does its best efforts to be Recognized by all stakeholders  as a remarkable Islamic bank. It Consider a leader in its activities to international financial markets, and above all, contribute effectively to supporting the national economy.

TIIB  is located in Sana'a the capital of the Republic of Yemen, having total of 24 branches spread over most Yemeni governorates, more than 150 ATM machines, and it has the largest customer base as well as having many companies owned by the bank such is Tadhamon Capital in Bahrain www.tadhamoncapital.com  Tadhamon Microfinance www.microtiib.com   and Tadhamon Real estate www.trecye.com   

The Shari'ah Board

Introduction

The experience of banks and Islamic financial institutions is a relatively recent experience. This experience came after more than a century of the emergence of banks around the world with its modern sense following the industrial renaissance of the West. However, this proved a progress which greatly attributes to the ideological integrity on which this movement was founded. With the emergence of Islamic banks in the seventh decade of the last century; the twentieth century, the Shari’ah models have come into life coinciding with the emergence. Shari'ah Supervisory Boards have continued to keep pace with the growth and development of the movement of banks and Islamic financial institutions, and have practiced the role of Fatwa and Shari'ah supervision, with varying banking, legal and jurisprudence environments witnessed by this movement.
As a result of the stability and development of this experience, the need for new structures of Shari'ah Supervisory role emerged at the country, regional and/or international level.
No one can deny the contribution of the Shari'ah Supervisory Board to the stages of establishing these banks and institutions or their contribution to the legitimate establishment and development of their activities and operations in this field. The Shari'ah Supervisory Board’s contribution in this field is highly remarkable and crystal clear.

Establishment:

Since the establishment of the Bank, the General Assembly, which represents all shareholders of the Bank, has chosen a Shari'ah Board with prominent experts who have made a significant contribution to:

• Studying the bank's transactions and activities and issuing the necessary decisions thereon.
• Monitoring the decisions made on all the Bank's internal and external operations.
• Spreading up awareness of the Islamic economy inside and outside the Bank.
• Developing methods and means to implement various tasks.

Objectives:

1. Achieving the Bank's commitment to the Shari'ah rules and principles.
2. Developing Shari’ah approved formulas, contracts, and models, and ensuring that the design of systems, models, records, cards and others has been in accordance with the provisions and principles of Islamic Shari'ah.
3. Enriching the financial transaction jurisprudence by enhancing known formulas, and developing new formulas and products, and developing research in the Islamic economy and Islamic banking.
4. Obliging employees of the Bank and the Islamic financial institutions to abide by the Shari'ah provisions that must be observed within the Islamic banking activity.
5. Reassuring the Bank's clients and others about the legitimacy of the activity carried out by Islamic banks and financial institutions.
6. Assisting in rehabilitation and training of employees, and developing researches in the Islamic economy and Islamic banking.

Board Formation:

• The Fatwa and Shari'ah Supervisory Board (“Board”) shall be appointed by the Extraordinary General Assembly on the recommendation of the Board of Directors. It shall be independent of the Bank’s management, and no other entity at the Bank shall have any authority whatsoever over it.
• The Board consists of the elite of jurists and specialists not less than three members. All members are specialized in the jurisprudence of Islamic transactions and with knowledge of the Shariah provisions in the field of financial and banking transactions.
• The Board shall elect its chairman and may delegate any member to be an executor and secretariat who shall be responsible for following its work and decisions. It shall also choose a Shari'ah Compliance Controller from amongst its members or from other members or scholars with legal specialization and public banking culture in order to follow up the implementation of the Board's decisions and to respond to emergency inquiries.

Roles of the Fatwa and Shari'ah Supervisory Board:

1. Reviewing the Bank's Memorandum of Association and Articles of Association, and requesting to be corrected in accordance with the provisions of the Islamic Sharia.
2. Reviewing and approving contracts, agreements and processes in relation to the Bank's transactions; participating in the modification and development of the mentioned forms as required, as well as the contracts that the Bank intends to enter into, which does not have previously established forms, in order to ensure that such contracts, agreements, and transactions are not prohibited by Shariah.
3. Presenting the Shari'ah judgment that the Board considers in within the Bank’s transactions referred to the Board by the Board of Directors, the Chief Executive Officer or the Shari'ah Compliance Controller.
4. Providing any such consultations to the Board of Directors as it deems fit in any matter relating to the Bank's transactions.
5. Verify that the Bank’s transactions and contracts are consistent with Shari'ah principles, through periodic reports submitted to it by the Shari'ah Compliance Controller on the progress of work and the integrity of the application of fatwas and decisions issued by the Board. In case of defects, the Board shall correct and adjusts the transactions, to make them Shari’ah-compliant. 
6. Representing the Bank in the legal fields at conferences, seminars and participating in Islamic banking meetings, to present the legal opinion when the economic stakeholders require so as much as possible.
7. Ensuring compliance of the Bank’s executive management to present all transactions to the Fatwa and Shari'ah Supervisory Board, through the Shari'ah Compliance Controller.
8. Submitting an annual report to the Board of Directors to be presented at the Board’s meeting in which the Bank’s annual budget shall be reviewed. The report shall provide a summary of cases and views expressed on the Bank’s transactions executed according to the applicable regulations and instructions. The report shall be reviewed with the Bank’s auditors at the Ordinary General Assembly.
9. Supervising the compilation of fatwas issued by the Board, and, being the Shari’ah reference, approving any material to be published. The Bank shall comply with the Board’s decisions in this regard and may not violate any of them, except what is revoked or modified by the Board.
10. Ensuring that profits are distributed and losses are charged in accordance with Shari'ah.
11. Preparing training and awareness programs for employees of Shari'ah rules in the field of investment and banking transactions.
12. Ensuring that the gains made from sources or in ways that contradict the provisions of Islamic Shariah are avoided and disposed of in charity purposes. 
13. Following up newly issued fatwas and publications regarding Islamic banking through participation in conferences and obtaining and benefiting from the various publications, especially those issued by the Supreme Supervisory Authority of the International Federation of Islamic Banks and the Accounting and Auditing Organization for Islamic Financial Institutions.
14. Issuing necessary directives and Shari'ah regulations to guide the Bank's departments, obligating their employees to comply therewith and incorporating them in the work manual approved by the Bank's management.
15. Calling for the General Assembly to convene in the event of the Board’s inability to perform its duties for any reason and lack of interaction with the Board of Directors with it.
16. Holding lectures and seminars to raise awareness of the Shariah fundamentals and aspects regarding banking activities. 
17. Contributing to the preparation of orientation programs of Islamic banks in the mass media, whether audible or visual media.
18. Holding public conferences and seminars to educate various segments of society about Islamic banks and the nature of their work and the characteristics of their activities.

Rules and Instructions of the Shariah Board:

• The entire Bank's sections and departments shall be bound by the decisions of the Shariah Board.
• The executive departments at all levels shall be responsible for implementing the decisions of the Shariah Board and responsible for the application thereof.
• All Bank’s products and services may not be provided to clients until they have been approved by the Shari'ah Board.
• It is prohibited to carry out any action that is contrary to any decision made by the Shari'ah Board.
• Any person who violates any of the decisions of the Sharī'ah Board, violates any existing legal procedure, or submits a product or service without permission from the Sharī'ah Board, shall be punished.
• The Sharī'ah Board shall monitor, control and execute the Bank's business from the Shariah perspective, through the Shari'ah Supervisory Department and whoever the Board deems fit.
• The Shariah Board shall develop formulas and contracts commensurate with Islamic Shari'ah rules and achieve its objectives in all Bank’s transactions, locally and internationally.
• By appropriate means, the Shariah Board shall adopt the role of raising awareness about Islamic banking and investment.
• To ensure the proper implementation of decisions issued by the Sharī'ah Board, the Board shall issue Shariah evidence for the Bank activities and its work procedures.

Meetings of the Board:

The Fatwa and Shari'ah Supervisory Board shall hold between 9 and 12 meetings per year. At these meetings, the following subjects shall be discussed at the Board’s agenda:

1. Approving contracts, banking terms and forms at the form of financial or banking operations and amending them.
2. Responding to inquiries regarding transactions according to the investment forms in force at the bank, as well as banking services; credit, currency trading, etc. 
3. Approving dividends made annually, proposing and developing banking products that are Shariah-compliant, including solutions to some issues related to liquidity, non-performing loans, investment and utilization of frozen funds due to the conditions of the country.
4. Issuing decisions, fatwas, and recommendations aimed at controlling the dealings of the executive management in order to established banking business in accordance with the provisions and rules of Islamic Shariah at all levels of the Bank, supervisory and executive, including the following:

First: General Recommendations:

• The Fatwa and Shari'ah Supervisory Board emphasized the importance of scrutinizing the accuracy of banking transactions and not tolerating any process having documents that bear the name of the client. The client shall be informed of the corrective procedures in advance.
• Profits shall be calculated from the date of arrival of the goods and documents and the client shall be informed of this in conjunction with the Murabaha contract. The Bank shall have the right to amend the profit ratio before the date of the Murabaha contract if it is proved that the client delays and procrastinates in signing the contracts.
• The Board recommended that the executive management shall take the necessary measures regarding the agencies for receiving foreign goods.
• The Board also recommended the need to verify the compliance of all employees with the decisions and recommendations issued by the Board.
• The Board shall issue a range of fatwas and decisions on such inquiries raised by the Bank’s employees. The following is a set of decisions as examples to be cited by the Bank’s employees and clients: 
   

Second:

يصدرعن الهيئة مجموعة من الفتاوى والقرارات على ما يتم رفعه من منسوبي البنك من استفسارات ، وفيما يلي مجموعة من القرارات كعينات للاستشهاد بها من قبل موظفي وعملاء البنك على حد سواء

Members of the Board

The Fatwa and Shari'ah Supervisory Board consists of:

1. Chairman of the Fatwa and Shari'ah Supervisory Board.
2. Members of the Board.
3. Shari'ah Compliance Controller.

The following are information about the Board’s Chairman and members: 
 

Professor / Mohamed Sinan Saif Al Jalal
Chairman of the Fatwa and Shari'ah Supervisory Board

Place and date of birth: Jabal Habashi, Taiz, Yemen, DOB 1960 AD. 

Date of appointment at Sana'a University: 9/11/1989. 

Current Academic Degree: Professor.

Specialization: Principles of Jurisprudence (Usul al-Fiqh)

University: Sana'a University / Faculty of Sharia and Law.

Academic Qualifications: 

1. During his youth, he moved with his father to Madinah and stared his educational journey, and studied under a number of Sheikhs in the Prophet's Mosque, and then enrolled to formal education.
2. He joined the Faculty of Sharia at the Islamic University in Madinah, Saudi Arabia, and obtained his bachelor's degree in 1981 with a grade of “Excellent”, and was ranked first on in class.
3. He enrolled in the graduate studies department at the same University and received a master's degree in jurisprudence (al-Fiqh) in 1985 with a grade of “Excellent” with a recommendation to print his thesis.
4. He received the doctorate from the same University with the rank of "first honor" with the recommendation of printing his thesis in 1988.

Positions and Promotions: 

• On 9/11/1989, appointed a teacher at the Sana'a University / Faculty of Sharia and Law.
• On 21/10/1990, appointed the Head of the Department of Law History at the Faculty of Sharia and Law.
• On 17/9/1992, appointed as the Deputy of the Faculty of Sharia and Law.
• On 1/12/1995, appointed as the Dean of the Faculty of Sharia and Law at Sana'a University. 
• He was re-appointed as the Dean of the Faculty of Sharia and Law on 5/12/1998 until the end of office in 2001.
• On 13/11/2001, appointed as the Head of Principles of Jurisprudence (Usul al-Fiqh) Department at the Faculty of Sharia and Law.
• On 28/11/1994, was promoted to Associate Professor.
• On 15/3/2015, was promoted to a professor.
• He was appointed Chairman of the Academic Committee at the Faculty of Sharia and Law at Sana'a University.
• He was appointed as a member of the Academic Council of Sana'a University in 2015.
• On 15/8/2000, appointed as a member of the Shari'ah Supervisory Board of Tadhamon Islamic International Bank. 
• On 29/4/2003, appointed as a Shariah Compliance Controller to the Tadhamon Islamic International Bank. 
• On 31/3/2001, appointed as a member of the Shari'ah Supervisory Board of Islamic Yemen Insurance Company. 
• On 1/9/2008, appointed as the Chairman of the Fatwa Authority for Takaful Insurance at the United Company. 
•  On 30/12/2010, appointed as a member of the Sharia Supervisory Board of the Islamic Sukuk Unit at the Central Bank of Yemen.
• On 17/2/2003, appointed as a member of the Advisory Board of the Journal of Social Studies, University of Science and Technology. 
• On 10/7/2016, appointed as the Chairman of the Fatwa and Shari'ah Supervisory Board of the Tadhamon Islamic International Bank. 

Educational Contributions:

• Taught the Principles of Jurisprudence (Usul al-Fiqh) at the Faculty of Sharia and Law at Sana'a University.
• Taught the Arabic language for students of the Faculty of Sharia and Law at Sana'a University.
• Taught the Principles of Jurisprudence (Usul al-Fiqh) and Arabic language for students of the Police Academy.
• Taught the Principles of Jurisprudence (Usul al-Fiqh) for master students at the Faculty of Arts, Sana'a University.
• Taught the Principles of Jurisprudence (Usul al-Fiqh) and Arabic language in a number of private colleges and universities.
•  Taught the Principles of Jurisprudence (Usul al-Fiqh) at the Higher Institute of Orientation and Guidance.
• Taught the Principles of Jurisprudence (Usul al-Fiqh) at in the Supreme College of the Holy Quran.
• Supervised a number of students of the Higher Judicial Institute and discussed a number of researches. He also participated in the exams of admission committees at the Institute.
• Supervised a number of undergraduate and postgraduate studies at Sana’a University and a number of national universities.
• Participated in the discussion of a range of scientific theses at the master's and doctoral degree at Sana'a University and national universities.
• Supervised and discussed a number of scientific theses at the University of Aden.
• Participated in the review committee on some researches prepared for publication in the Journal of Rights issued by the Faculty of Law, University of Bahrain.

Publications and Researches: 

• The investigation, studies and research of the “Excess Principles" by Abdul Rahim Al-Asnawi, Master's Thesis - printed and published.
• Controversy in the Principles related to the Terms of Words on Universality, and the position of Shaykh al-Islam Ibn Taymiyyah, Ph.D., gained the recommendation to be printed by the discussion committee.
• Agreed Evidence, printed.
• Evidence in Conflict, printed.
• Grammar and Eloquence, 2 Volumes- printed and published.
• Appreciation: Problematic Word and Issue of Meaning Control, published in the Journal of Legal Research and Studies in Egypt, e.d. 17, December 2013.
• Bridging Excuses between Consideration of Legislative Principles and Methodical Terminology, published in the Journal of Andalusia for Humanities and Social Sciences e.d.4, Vol. 8, October 2014.
• The concept of Unanimity between Determinism of Evidence and the Possibility of Existence, published in the Journal of Sana'a University for Law and Islamic Studies in 2006.
• Principles of Jurisprudence between the Determinism and the Hypothesis and Investigation in the Opinion of Imam Al-Shatbi, published in the Journal of Legal Research and Studies e.d. 17 in 2006.
• Abrogation of Holy Quran in Sunnah, a Fundamentalist View in the light of the Imam Shafi'i, published in the Journal of Andalusia for Humanities and Social Sciences e.d. 2, March 2014.
•  Material Indemnification for Indirect Moral Damage resulting from a Felony or Malicious Complaint, published in the Islamic Jurisprudence Magazine e.d. 31, in 2015.
• Material Indemnification for Indirect Moral Damage resulting from a Felony or Malicious Complaint, published in the Islamic Jurisprudence Magazine e.d. 32, in 2015.
• The jurisprudence of Islamic Transactions, prepared for master students for some employees of Islamic banks at the University of Science and Technology 
• Sponsoring orphans with different religion between the sponsor and sponsored, presented to the scientific symposium within the event of the Seventh Festival of Orphans in Sana’a, 13/10/2009.

Unpublished Research (Prepared for Publication):

• Investment contracts in Islamic Law.
• Legalization of Islamic Banks and Difference between them and Conventional Banks.
• The Philosophy of Islam in Prohibition of Usury.
• Shari’ah Adaptation of Letters of Guarantee.
• Penal Condition on Delay of Fulfillment and Failure of Work Execution.
• Tawarruq and Securitization.
• Financial derivatives, a Legitimate View on Position of Islamic banks and Differences with the Usury Banking in dealing with them.

Conferences and Seminars: 

• Orphan Festival Conference held in Sana'a, 24 Shawwal 1430H, corresponding to 13/10/2009.
• Dallah Al Baraka Seminar, Makkah, 1424H, corresponding to 2003 AD.
• A Seminar at the Islamic Fiqh Academy at its Twenty-second Session held in Rajab 1436H, corresponding to 2015.
• Conference of Islamic Financial Institutions, held in Bahrain in May 2008.

 
Dr. Ghaleb Abdul Kafi Al-Qurashi
Member of Fatwa and Shari'ah Supervisory Board

He was born in 1947 in Shara'b Ar Rawnah District, Taiz Governorate.

He holds a Ph.D. in Shariah Politics, Higher Institute of Law, Imam Muhammad Bin Saud University, 1987AD.

Educational Contributions: 

• Delivered lectures in History of Legislation - Sana'a University.
• Delivered lectures in Interpreters Methods - Sana'a University.
• Delivered lectures in Endowments and Wills - Sana'a University.
• Delivered lectures in Islamic Economics - Sana'a University.
• Delivered lectures in Biography of the Prophet - Sana'a University.
• Delivered lectures in International Relations at the Higher Institute for Orientation and Guidance.
• Delivered lectures in Islamic Culture at the Supreme College of the Holy Quran.
• Delivered lectures in Islamic culture at the Police Academy. 
• Supervised and discussed many doctoral and master's theses.

Most prominent positions held: 

• Minister of Awqaf and Guidance 1993-1997.
• Member of the Advisory Board 1997-2000.
• Member of the Shura Council 2000-2003. 
• Member of the House of Representatives and Chairman of the Committee of Justice and Endowments in the Board 2003 - 2011.
• Member of the Arab Parliament, 2003. 
• Member of Yemen Scholars Association.

Most prominent contributions: 

• Participated in economic conferences in Turkey, Indonesia, and Sudan.
• Participated in many official and non-official conferences in many Arab, Islamic and European countries.

Publications:

• Persistence of Possessors of Constancy. Manuscript Research.
• Farouk's Priorities in Politics. Printed in 1400 AH / 1980 AD, in one volume.
• Farouk's Priorities in Administration and Judiciary. Printed in 1407 AH / 1987, in two volumes. 
• Endowments and Wills between Sharia and Yemeni Law. Printed, studied at Sana'a University and other universities.
• Introduction to the Islamic Economy. Printed. Studied at Sana'a University and other universities.
• Guardianship of Woman in the Shariah Policy Balance. Printed in 1421 AH / 2000 AD.
• Family Planning in Islam.
• Public Freedoms.

Mr. Khalid Mohammed Abdullah Qadi
Shari'ah Compliance Controller and Member at Fatwa and Shari'ah Supervisory Board

He was born in 1969.

One of the founders of Islamic banks in Yemen.

Holds a master's degree in financial markets from the Arab Academy for Banking and Financial Sciences in 2010, and holds a bachelor's degree in Economics with Accounting 1990-1991.

• He enjoys a 27-year experience in Islamic finance and banks.
• Held several leadership positions in the Capital's Secretariat.
• Contributed to the establishment of Saba Islamic Bank and held a number of leading positions therein. 
• Joined the work team at Tadhamon Islamic International Bank in 2002 
• Served as Assistant Director of the Main Branch and then as Director of the Husba Branch and Bayt Baws Branch.
• Served as Director of Local Investment and Finance. Appointed a member at several internal committees at Tadhamon Islamic International Bank
• Provided training on Islamic finance and banking sciences to a number of employees of the banking sector in Yemen. 
• Currently holds the office of the Director of the Shari'ah Supervision Department, Shari'ah Compliance Controller and a member at the Fatwa Committee 

The Excellence Award in Financial Services and Financing International Trade in 2014

Tadhamon International Islamic Bank got the Excellence Award in Financial Services and Financing International Trade in 2014. Commerzbank, a German bank, gives this every year for innovation in this field.

Domestic Retail Bank of the Year - Yemen 

Tadhamon International Islamic Bank got Domestic Retail Bank of the Year - Yemen 2013.

Excellent Partnership in the Year 2013

Tadhamon International Islamic Bank got Excellent Partnership in the Year 2013.

The Excellence Award in Financial Services and Financing International Trade in 2013

Tadhamon International Islamic Bank got the Excellence Award in Financial Services and Financing International Trade in 2013. Commerzbank, a German bank, gives this every year for innovation in this field.

Commerzbank reiterated that this award was given to Tadhamon International Islamic Bank for its ability to find a balance and build an excellent and beneficial relationship with its partners outside the country, as well as its adherence to international standards in combating money laundering and terrorist financing.

This award comes in light of efforts from Tadhamon Bank and its effort to provide a good image of the situation in Yemen by holding meetings with numerous international financial institutions and giving them a summary of the developments and environment in Yemen in general, specifically the banking sector. The goal of these meetings was to remove the negative image that some banking institutions still have of Yemen.

It should be noted that Tadhamon International Islamic Bank has gotten a number of international awards that confirm its excellence and innovation in the different banking activities.

Commerzbank Award 2012

Commerzbank has awarded Tadhamon International Islamic Bank with the STP Award for its

Excellence in the delivery of payments.

Awarded Best domestic technology & operations bank

Tadhamon International Islamic Bank Awarded Best domestic technology & operations bank of the year by the Asian Banking and Finance Retail Banking Awards 2012

We are proud to announce that we won the Yemen Domestic Technology & Operation Bank of the Year, and Yemen Domestic Foreign Exchange Bank of the Year Awards by the Asian Banking and Finance Retail Banking Awards 2012

For several years, Asian Banking and Finance Magazine (ABF) has been recognizing the best performances of various banking and finance institutions around Asia. Judges identify banking and financial service activities, technologies, services and people that significantly enhance the banking and finance sector in Asia.