Emad has been in the Risk and Analytics fields for over 20 years.  He has worked in the financial services, automotive and manufacturing sectors, and he advises companies on business reengineering, strategic partnerships, and product and service innovation.  Prior to joining Qarar, Emad was a consultant in M&A Advisory with The Collins Group, a software entrepreneur, and has held numerous roles with companies such as Nissan and the Canadian Imperial Bank of Commerce.  His experience spans the areas of operational risk and fraud management, credit risk, and marketing and sales channels analytics.