Raffy Karamanian is a digital banking (i)ntr(a)preneur & transformation expert with more than 18 years of experience in banking platforms, fintechs, products development, and building new business & operating
models. Raffy is the Head of Digital Banking at Bank Audi where he leads the bank’s digital banking business and operations across alternative and remote banking channels. He has worked across many markets in the MENA region, Turkey and US. He also serves as a member of the bank’s CSR committee. Raffy is an EMBA graduate from IE Business School and holds Business Management Diploma from City University of New York.