Ashraf has almost 30 years of financial services experience, including 8 years as Head of Treasury in Saxo Bank (2000-2008) where he was responsible for liquidity management, hedging of FX exposures, compliance / AML screening and reporting, short term investments, funding, sweeping and cash pooling, cash management & SWIFT administration.

In 2008 he was Co-founder and Executive director of CFH Markets (later renamed to Finalto), accountable for all operations including back office, risk management, liquidity, payments & cash management, end of day processes & bank relations.

Between 2011 and 2014, Ashraf was COO of the Foreign Exchange business at Marex Spectron with responsibility for business development & strategy, liquidity, execution, designation notices, prime brokerage, clearing, margin management & regulatory issues.

Since 2014, Ashraf has held various Chief Executive roles across financial services and fintech, deepening his specialism in AML, financial crime prevention and regulatory compliance. He holds the CAMS (Certified Anti-Money Laundering Specialist) designation, alongside certifications in SMCR for Senior Managers, GDPR, and Ethics of Artificial Intelligence (London School of Economics).

He is an Affiliate of the Chartered Institute for Securities & Investment (CISI) and the Association of Professional Compliance Consultants (APCC, recognised by the FCA as a trade body), and currently serves on CFA UK's Ethics & Professionalism Committee, focusing on AI governance in financial services.

Youssef brings over 15 years of multi-sector, international operations and strategy experience across Lebanon, Saudi Arabia, the UAE and Qatar, specialising in translating corporate strategy into rigorous execution, managing complex budgets, and leading cross-functional business transformations.

His skills and experience in business administration and customer onboarding have enabled Scandic Management to grow its business and coverage into new jurisdictions. Youssef holds an MBA with distinction in Management and Administration from the Lebanese American University, and is fluently bilingual in English and Arabic.